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Curinos Perspective: Does Free Banking Have A Future?

Much has been said and written recently regarding The Wall Street Journal’s article about Chase’s investment program in branches. We at Curinos wanted to offer our thoughts as well, with particular emphasis on the implications for regional and community banks across the country.
READ TIME: 4 MINS

July 10, 2024

LMI Lending: Considerations For Success

Lending in low- to moderate-income (LMI) areas and households is a cornerstone to successfully complying with the Community Reinvestment Act (CRA). One often-overlooked component of LMI is making sure lending products and credit guidelines fit the needs of borrower profiles.
READ TIME: 1 MIN

July 9, 2024

Curinos Perspective: Competitive Forces Are Driving Different Decisions About Networks

Economic news, almost daily, indicates the higher-for-longer rate cycle will persist and, with it, continuing competition for deposits, elevated cost of funds and compressed margins. As a result, financial institutions are under pressure not only to reduce expenses but also to grow core customers and the low-cost deposits that come with them.
READ TIME: 5 MINS

July 8, 2024

Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways

From “Deposit Growth & Retention in a Falling Rate Environment,” a webinar presented by Curinos on June 26, 2024, that featured Adam Stockton, head of retail deposits and lending, and Agusta Patton, managing director of Client Solutions.
READ TIME: 6 MINS

July 3, 2024

Curinos Perspective: Benchmark Digital Onboarding To Gain In Customer Acquisition

Financial institutions need to observe and act on competitive intelligence with account-opening capabilities critical to growth.
READ TIME: 5 MINS

July 3, 2024

The Key To Digital Retention? Early Funding

As all financial institutions have experienced, the retention and quality of digitally originated relationships significantly lag those originated in the branch.
READ TIME: 1 MIN

July 2, 2024

Curinos Perspective: Takeaways from Curinos’ Retail Deposit Optimizer Forum

Curinos was pleased to welcome senior retail banking leaders from deposits product, pricing, finance and balance sheet management from more than 15 financial institutions to its Retail Optimizer Forum for 2024 in Dallas/Fort Worth, June 11 and 12. Guests, representing Curinos’ current customer institutions, got an in-depth look at Curinos data, platforms and insight capabilities and engaged with Curinos deposits-industry experts, and each other, on how to think about and plan for the complex problems facing retail financial institutions at this time of great economic uncertainty.
READ TIME: 7 MINS

July 1, 2024

Home Lending: How To Best Position For A Bounce-Back

It’s hardly news that residential lending is currently hamstrung by high interest rates and diminished supply.
READ TIME: 5 MINS

June 27, 2024

How To Manage Deposits If No Fed Rate Cuts Until Next Year

As recent as early 2024, the idea that rate cuts would be postponed until 2025 would have been a banking CFO’s worst nightmare.
READ TIME: 5 MINS

June 27, 2024

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