Curinos Perspective: Top Takeaways – Curinos Small Business Webinar
For financial institutions, winning in small business comes down to five key imperatives...
READ TIME: 3 MINS
September 25, 2023
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Insights
Empower Marketing Incentives With AI
As competition for deposits increases, getting incentives right is a core component in unlocking enhanced customer lifetime value. Here are nine best practices for managing incentives.
READ TIME: 5 MINS
September 25, 2023
Creating A Winning Deposit Strategy In 2024
U.S. financial institution deposits are down more than $650 billion over the past 12 months and net interest margins have rapidly narrowed. This challenge to profitability stands to intensify in the coming months as an escalating volume of low-rate CDs reach maturity.
READ TIME: 1 MIN
September 21, 2023
Curinos (F)insights: Are Some Banks Misjudging The Deposit Repricing Cycle?
Peter Serene, head of commercial, and Adam Stockton, head of retail deposits, explain why they believe some institutions may have an overly optimistic outlook about when deposit prices will reach their peak.
READ TIME: 13 MINS
September 21, 2023
The Moat You Thought You Had? It’s Been Breached
Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.
READ TIME: 6 MINS
September 21, 2023
Higher Rates Push Banks To Draft A CD Maturity Playbook
In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.
READ TIME: 7 MINS
September 21, 2023
Small Businesses Offer A Clear Profitability Upside For Banks
On average, financial institutions spend about half as much to acquire small business deposits than consumer deposits. And small businesses that have a lending relationship with a bank keep far higher deposit balances than those without the lending connection.
READ TIME: 5 MINS
September 21, 2023
More Than Ever, Deposits Are Key To Profitability
The winners in this challenging environment will manage near-term deposit costs to minimize back-book repricing and limit exception pricing. In the longer term, institutions need to consider marketing as an investment in new-customer growth.
READ TIME: 7 MINS
September 21, 2023
Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential
Today’s high interest rates are taking too much of the blame for depressed home sales.
READ TIME: 7 MINS
September 21, 2023