Insights

Efficient Customer Acquisition Isn’t a Marketing Problem — 5 Takeaways

From The Future is Here for Commercial and Small Business Transformation, a webinar presented by Curinos on March 5, 2026, that featured Margarita Vacanti, SVP, Commercial Banking and managing directors Peter Serene and Bob Warnock.

READ TIME: 4 MINS

March 27, 2026

Curinos Perspectives // Insights

Marketing, Pricing and Incentives: The New Economics Driving Acquisition

The economics of acquisition are fundamentally changing. Rising competition and soaring marketing costs are chasing relationships that have become less valuable from wallet fragmentation, retrenchment on fees and, potentially, interchange legislation and settlement.

READ TIME: 5 MINS

March 26, 2026

Insights // Webinars

Home Equity Speed Matters: Turning Time Into Opportunity

Join us for the Home Equity Speed Matters: Turning Time Into Opportunity webinar, where we will examine how home equity cycle times are emerging as a critical source of competitive risk and opportunity for lenders.

READ TIME: 1 MIN

March 26, 2026

Insights // Webinars

Why Efficient Acquisition Is No Longer a Marketing Problem

Customer acquisition has never been more expensive – or more critical – to sustainable growth. Yet many banks still optimize channels and campaigns in silos, with limited visibility into long-term customer value and balance sheet impact.

READ TIME: 1 MIN

March 25, 2026

Curinos Review // Insights

The 1% Problem in Bank Acquisition – A Case Study

The uncomfortable truth is that only about 1% of prospects will contribute to meaningful deposit growth. Targeting without the right decision support could miss them and focus instead on those who may look good initially but whose value will deflate over time. A recent campaign to the mass affluent had it both ways: more funded accounts and higher balances, using one indicator for higher response and another for sustainable customer value.

READ TIME: 6 MINS

March 23, 2026

Curinos Review // Insights

Curinos Review Spring 2026

The Spring issue of the Curinos Review is built around a simple belief: the next source of durable advantage in banking will not be a model, a channel or a product. It will be decision intelligence.

READ TIME: 5 MINS

March 23, 2026

Curinos Review // Insights

Decision Intelligence is Not Agentic AI – and Any Confusion Will Cost Banks Billions

Agentic AI automates known workflows using LLM-based reasoning and delivers value through speed and labor reduction. Decision intelligence determines the optimal strategy under uncertainty using reinforcement learning that tests real decisions against real outcomes. Most banks are investing heavily in agentic AI while underinvesting in the decision layer that governs what those agents execute.

READ TIME: 11 MINS

March 23, 2026

Curinos Review // Insights

Every Deal is a Deposit Retention Strategy

Since 2018 the average bank deal above $5 billion has seen 11% in consumer deposit attrition, with the bottom quartile losing more than 17%. That kind of forfeiture can be existential. Early missteps in the deal trigger outflows that are difficult to reverse and expensive to replace. Acquiring institutions need to execute two missions simultaneously: protect the inherited franchise and articulate a compelling forward-looking value proposition.

READ TIME: 7 MINS

March 23, 2026

Curinos Review // Insights

Everyone Wants to be a Bank. How to Compete?

The moats that have protected traditional banks are evaporating thanks to digitization and greater regulatory openness to granting charters to disruptors. The intensified competition comes at a time when growth is constricted by low population growth and profitability is squeezed by skyrocketing acquisition costs. To defend their franchise, banks need to engage decision intelligence to augment the human touch in delivering the right products and services to the right customers at the right time.

READ TIME: 9 MINS

March 23, 2026

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