Insights

Lower Rates Are Prompting Changes
To Mortgage Servicing

Since the start of 2023, nearly 40% of mortgages have locked in to rates of more than 6%. Now, with the prospect of lower rates on the horizon, the mortgage industry is increasingly shifting to refinancing – for the first time in several years.

READ TIME: 1 MIN

August 29, 2024

Curinos Perspectives // Insights

Greater Profitability In 2025 And Beyond:
5 Challenges and 5 Responses

From “Greater Profitability in 2025 and Beyond: Ingredients for Success,” a Curinos webinar on August 22, 2024, presented in conjunction with Consumer Bankers Association and featuring Curinos executive vice president Pete Gilchrist and Curinos senior vice president Olivia Lui.

READ TIME: 5 MINS

August 27, 2024

According To The Data // Insights

With Rates Set To Fall, So Too
Will Treasury Management Pricing

Curinos data indicate that banks have maintained or extended their robust 5.4% treasury-management (TM) price increases that they put in place in January 2024, even despite flat and even declining volumes.

READ TIME: 2 MINS

August 27, 2024

Insights // Webinars

Greater Profitability in 2025 and Beyond: Ingredients for Success

The financial needs of consumers and businesses are evolving faster than ever. That makes it essential for financial institutions to reimagine and transform their strategies for acquiring customers and deepening relationships. And that, in turn, means rethinking their operating models from soup to nuts. Our webinar will boil it down to the most essential ingredients they’ll need as they prepare their budgets and strategies for 2025.

READ TIME: 1 MIN

August 22, 2024

According To The Data // Insights

Sweeps Can No Longer
Be Swept Under The Rug

Cash sweeps are the portion of uninvested cash that is automatically transferred into what is intended to be a higher interest-earning FDIC-insured deposit account at the close of each business day.

READ TIME: 2 MINS

August 22, 2024

According To The Data // Insights

Weighted Average Pricing Can Mean Greater Mortgage-Market Precision

To control capacity, influence market share and allocate margin, mortgage pricing strategy is integral to any successful lending operation.

READ TIME: 1 MIN

August 20, 2024

According To The Data // Insights

Consumer-Deposit Alert: Money In Motion Is In Decline

After a high volume of money in motion and churn in 2023, CD and savings promotional rates have begun declining in recent months.

READ TIME: 1 MIN

August 15, 2024

According To The Data // Insights

New-to-Bank Checking: Quantity At Odds With Quality

For traditional banks, many mass market customers who don’t have a full relationship with them are simply unprofitable. That’s in large measure because fee income is in decline as competitive and regulatory pressures tighten.

READ TIME: 1 MIN

August 13, 2024

According To The Data // Insights

TM Investment: Running Fast But Standing Still

Going into 2023, participants in Curinos’ Commercial Analyzer reported increasing their digital investments – more than half of them by 10% – which reflects a multi-year focus on upgrading the commercial digital experience.

READ TIME: 1 MIN

August 8, 2024

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