Insights

Greater Profitability in 2025 and Beyond: Ingredients for Success

The financial needs of consumers and businesses are evolving faster than ever. That makes it essential for financial institutions to reimagine and transform their strategies for acquiring customers and deepening relationships. And that, in turn, means rethinking their operating models from soup to nuts. Our webinar will boil it down to the most essential ingredients they’ll need as they prepare their budgets and strategies for 2025.

READ TIME: 1 MIN

August 22, 2024

According To The Data // Insights

Sweeps Can No Longer
Be Swept Under The Rug

Cash sweeps are the portion of uninvested cash that is automatically transferred into what is intended to be a higher interest-earning FDIC-insured deposit account at the close of each business day.

READ TIME: 2 MINS

August 22, 2024

According To The Data // Insights

Weighted Average Pricing Can Mean Greater Mortgage-Market Precision

To control capacity, influence market share and allocate margin, mortgage pricing strategy is integral to any successful lending operation.

READ TIME: 1 MIN

August 20, 2024

According To The Data // Insights

Consumer-Deposit Alert: Money In Motion Is In Decline

After a high volume of money in motion and churn in 2023, CD and savings promotional rates have begun declining in recent months.

READ TIME: 1 MIN

August 15, 2024

According To The Data // Insights

New-to-Bank Checking: Quantity At Odds With Quality

For traditional banks, many mass market customers who don’t have a full relationship with them are simply unprofitable. That’s in large measure because fee income is in decline as competitive and regulatory pressures tighten.

READ TIME: 1 MIN

August 13, 2024

According To The Data // Insights

TM Investment: Running Fast But Standing Still

Going into 2023, participants in Curinos’ Commercial Analyzer reported increasing their digital investments – more than half of them by 10% – which reflects a multi-year focus on upgrading the commercial digital experience.

READ TIME: 1 MIN

August 8, 2024

According To The Data // Insights

Managing Mortgage Lending Cycles

Because it’s cyclical, the mortgage lending business can be unforgiving. As rates fall, volumes and profit margins increase as lenders rush to ramp up operational capacity to meet the demand.

READ TIME: 1 MIN

August 6, 2024

Curinos Perspectives // Insights

Curinos Perspective: The FOMC has Given Notice: Time to Prepare for Falling Rates

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%, but Chair Powell tipped his hand that the data suggest a rate cut will be on the table for the September meeting. This will be welcome news for banks that have been waiting for relief on rising funding costs and exposures to rate-sensitive asset classes.

READ TIME: 3 MINS

July 31, 2024

According To The Data // Insights

Chatbots Showing Signs Of Becoming Main Banking Engagement Tool

Significant investment and advances in technology like generative AI indicate that U.S. banks are looking to build chatbots as their primary means of customer engagement.

READ TIME: 2 MINS

July 30, 2024

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