Insights

Mass Affluent: Big Opportunity, But At A Cost

Mass affluent customers are desirable. They have steady incomes and larger deposits, and they can be cross-sold into other profitable services such as lending and wealth management. But in today’s high rate environment, these more sophisticated clients are also demanding significantly more on rate than their mass market counterparts, so holding on to them is more costly than in the past.

READ TIME: 1 MIN

July 16, 2024

According To The Data // Insights

Personalization: Larger Banks Report Struggling To Get Their Data Right

Some larger banking institutions are struggling to get their data in order as competitive pressure mounts to evolve past batch-and-blast communications and into the realm of personalized marketing communications.

READ TIME: 1 MIN

July 11, 2024

Curinos Perspectives // Insights

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

According To The Data // Insights

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 Perspectives // Insights

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 Perspectives // Insights

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 Perspectives // Insights

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

According To The Data // Insights

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 Perspectives // Insights

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

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