Category: Insights

The Moat You Thought You Had? It’s Been Breached

Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.
READ TIME: 6 MINS

September 21, 2023

Higher Rates Push Banks To Draft A CD Maturity Playbook

In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.
READ TIME: 7 MINS

September 21, 2023

Small Businesses Offer A Clear Profitability Upside For Banks

On average, financial institutions spend about half as much to acquire small business deposits than consumer deposits. And small businesses that have a lending relationship with a bank keep far higher deposit balances than those without the lending connection.
READ TIME: 5 MINS

September 21, 2023

More Than Ever, Deposits Are Key To Profitability

The winners in this challenging environment will manage near-term deposit costs to minimize back-book repricing and limit exception pricing. In the longer term, institutions need to consider marketing as an investment in new-customer growth.
READ TIME: 7 MINS

September 21, 2023

Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential

Today’s high interest rates are taking too much of the blame for depressed home sales.
READ TIME: 7 MINS

September 21, 2023

Breaking Down Barriers To Reach A Wider Set Of Customers

An estimated 45 million U.S. consumers are credit invisible, have thin credit files or lack a recent credit history.
READ TIME: 7 MINS

September 21, 2023

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS

September 21, 2023

Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau

We see complacency among many bankers who feel that a Fed plateau will ease pressures on deposit betas. Prior cycles show that betas keep climbing even after the Fed Funds rate peaks, and significant back books in both commercial and consumer are yet to reprice.
READ TIME: 6 MINS

September 20, 2023

1071 For Small Business Lending: Are You Ready?

Sept 20 | 2023
READ TIME: 1 MIN

September 20, 2023

As CDs Come To Term, What Are You Doing About Flight Risks?

With a material volume of CDs maturing at the turn of the year bank marketers must be ready to react to customer-level flight risks.
READ TIME: 4 MINS

September 19, 2023

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