Insights Archives - Page 3 of 47

Curinos Review Spring 2024

Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.

READ TIME: 4 MINS

March 18, 2024

Curinos Review // Insights

Home-Lending Update: How To Strive Till ’25

Residential real estate lenders across the country are all too happy to put 2023 behind them while also hoping to retire the “Survive till '25” mantra as they look forward to healthier top- and bottom-line growth this year.

READ TIME: 6 MINS

March 18, 2024

Curinos Review // Insights

Fee Changes Require New Approach To Serving Mass Market

It appears that the steady unwinding of retail banking fees will continue to take its toll on bank and credit union profitability.

READ TIME: 7 MINS

March 18, 2024

Curinos Review // Insights

Treasury Needs More And Better Data To Manage Falling Rates

As rates drop and profit compresses, we urge banks to embrace asset/liability management (ALM), funds transfer pricing (FTP) and the analytic intelligence of deposit behavior.

READ TIME: 7 MINS

March 18, 2024

Curinos Review // Insights

Mass Market Vs. Mass Affluent: A Data-Driven Primer

Curinos’ latest U.S. Banking Shopper Survey offers insights on how to best meet the needs of the mass market and mass affluent customers by informing the most effective strategies for acquisition and optimal experiences to unlock primacy and improve profitability.

READ TIME: 5 MINS

March 18, 2024

Curinos Review // Insights

Bank M&A: Forget Much Of What You Think You Know

After a recent lull, banking deals are expected to pick up this year thanks to anticipated rate reductions, higher stock values and healthier balance sheets.

READ TIME: 8 MINS

March 18, 2024

Insights // Webinars

HELOC Balance Growth Can Be Achieved! Is Your Growth Strategy Working?

HELOC originations struggled to gain traction for many banks and credit unions in 2023, putting more emphasis on growing portfolio balances through their existing book of business.

READ TIME: 1 MIN

March 14, 2024

According To The Data // Insights

As Rates Fall, Back Books Will Block Expense Relief

Relatively low-priced commercial back books present headwinds to meeting pass-through targets for falling-rate betas. Lowering rates on their balances would risk attrition, and replacing them could get expensive.

READ TIME: 1 MIN

March 14, 2024

Curinos Perspectives // Insights

Curinos Perspective: 5 Takeaways On Using Analytics To Create An Effective Deposit Strategy

From “How Essential Analytics Can Drive Effective Deposit Strategy”, a Curinos webinar presented in conjunction with the Consumer Bankers Association (CBA). The webinar featured Adam Stockton, head of retail deposits and lending; Agusta Patton, director of Client Solutions; Ravi Subbaraya, director of consumer deposits; and Brad Resnick, director.

READ TIME: 5 MINS

March 12, 2024

According To The Data // Insights

Last Year’s High-Rate CDs Are Coming Home To Roost

Financial institutions will need to sustain high CD rates to retain balances, especially because deposit betas are likely to lag any downward actions by the Fed.

READ TIME: 1 MIN

March 12, 2024

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