Insights

AI’s Value Prop: A Cheaper Path To Customer Primacy

The various product lines at banks are in constant competition for customer attention. But uncoordinated messaging comes with a high cost: Curinos analysis shows that the typical FI leaves $70 per customer on the table because relationship nurturing is poorly orchestrated across channels.

READ TIME: 1 MIN

June 6, 2024

Curinos Perspectives // Insights

Curinos Perspective: How Deposit Optimization Can Drive Profitability

Managing deposits was long an afterthought thanks to years of near-zero interest rates followed by a pandemic-fueled surge in volume. Now it’s front-of-mind as the most impactful strategy for resisting margin compression and preserving profitability.

READ TIME: 4 MINS

June 4, 2024

According To The Data // Insights

DAF Levels Are Down. What Can Be Done?

As commercial deposits shift away from DDA, the loss of deposit administration fees (DAF) is a key impact. DAF are the largest single charge in treasury management, totaling more than 15% of fees at most TM banks.

READ TIME: 1 MIN

June 4, 2024

According To The Data // Insights

Defining Personalization Is The First Step Toward Greater Adoption

There’s a lot of talk about personalization in banking these days and a lot less action. In Curinos’ new Personalization Benchmarking Study, most of the responding FIs say less than 25% of their marketing is personalized.

READ TIME: 1 MIN

May 30, 2024

According To The Data // Insights

For CD Renewals, Job 1 Is “Don’t Overpay”

Of the $1.5 trillion in CDs at branch banks, 90% will mature in the next 12 months – 10% of them this month alone and that monthly percentages will climb even higher later this summer.

READ TIME: 2 MINS

May 28, 2024

According To The Data // Insights

The Best Way To Boost Commercial Profits: Own The TM Relationship

With rates expected to stay higher for longer, balance rotation from non-interest-bearing (NIB) to interest-bearing products is keeping pressure on bank interest expense and net interest margin.

READ TIME: 1 MIN

May 23, 2024

According To The Data // Insights

Targeting Affluent Consumers? You’re Not Alone

With the cost of acquisition rising and fee revenue falling, the payback period for consumer banking customers has extended from 18 months to four years.

READ TIME: 1 MIN

May 21, 2024

According To The Data // Insights

TM Fees: How High Can They Go?

Data from the Curinos TM Fee Analyzer indicate that treasury management (TM) fees grew only 2.1% last year, with pricing growth exceeding volume growth in six of the top eight product families.

READ TIME: 1 MIN

May 16, 2024

According To The Data // Insights

Q1 ‘24 Mortgage Trends Signal Continuing Resilience

Interest-rate-lock mortgage commitments in the first quarter grew by 27% Q/Q, according to Curinos’ LendersBenchmark Analyzer.

READ TIME: 1 MIN

May 14, 2024

Curinos Perspectives // Insights

Curinos Perspective: 5 Takeaways – AI’s Edge For Personalization

From “Seamless & Personalized: The AI Edge For Omnichannel Customer Engagement,” a Curinos webinar presented in conjunction with Consumer Bankers Association on May 7, 2024, featuring Sarah Welch, managing director, and Olly Downs, chief data scientist.

READ TIME: 4 MINS

May 13, 2024

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