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

Curinos Review // Insights

Credit is the New Front Door

Prospective home lending borrowers are increasingly judging lenders on the quality of the application-to-funding experience and measuring it against what they’re getting from non banks and fintechs. To close the gap, traditional lenders need to take a hard look at siloed business lines, conflicting channel strategies and inconsistent borrower experiences. They may also want to take a page from the non-bank playbook: lead with lending to gain and solidify the relationship rather than treating it as merely cross-sell.

READ TIME: 7 MINS

March 23, 2026

Curinos Review // Insights

The Small Business Operating System

To attract and retain small business clients, offering them deposits alone isn’t a durable strategy—both sides of the balance sheet need to be managed in tandem. And banks serving small businesses will increasingly need to advance their digital experience beyond application and funding to include immediate preapproved product offers—or be left behind by digital disruptors that do.

READ TIME: 7 MINS

March 23, 2026

Curinos Review // Insights

The End of Deposit Inertia?

For decades, deposit inertia was one of banking's most reliable and least discussed competitive advantages. But that advantage is eroding. Digital experiences have lowered switching friction. Disruptors are poaching deposits before traditional providers are aware of what’s happening. Stablecoins and emerging payment rails may threaten the funding physics banks have relied on for generations . And agentic AI may provide the possibility of shopping for customers on their behalf.

READ TIME: 11 MINS

March 23, 2026

According To The Data // Insights

Adjustable Rate Mortgages a Niche Product? Not Anymore

Adjustable rate mortgages (ARMs) are becoming increasingly attractive, and this time it’s not a replay of 2004–2007, when articulating the credit risk was far different than it is today.

READ TIME: 2 MINS

March 19, 2026

According To The Data // Insights

Direct Banks Are Not Immune to a CD Slowdown

During periods of high interest rates, direct bank growth has often been buoyed by strong CD growth. That’s because the more competitive rates direct banks offer on CDs have been able to attract rate-seeking customers from traditional FIs.

READ TIME: 1 MIN

March 17, 2026

Curinos Perspectives // Insights

Commercial and Small Business Transformation — 7 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 11, 2026

Insights // Webinars

The Future is Here for Commercial and Small Business Transformation | What Leaders Need to Know in 2026

The commercial and small business banking landscapes are shifting fast. Competitive pressure in middle market lending isn’t letting up.

READ TIME: 1 MIN

March 5, 2026

According To The Data // Insights

Decision Intelligence: The Deposit Growth Gap Isn’t A Marketing Problem

Most banks respond to deposit growth pressure the same way: more campaigns, better creative, sharper targeting. But the gap isn't in the marketing. It's in the decision-making underneath it.

READ TIME: 1 MIN

March 5, 2026

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