Insights

In Their Digital Experiences, Nextgen Users Want Both Aesthetics And Practicality

Curinos’ latest U.S. Shopper Survey asked recent checking account switchers and those considering switching what makes an online or mobile banking app useful.

READ TIME: 2 MINS

June 18, 2024

Curinos Perspectives // Insights

Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%. As previously communicated, the Fed has tapered quantitative tightening by $35B, lowering the redemption cap from $95 billion per month to $60 billion per month.

READ TIME: 9 MINS

June 13, 2024

According To The Data // Insights

Deposit Update: Nominal Growth In 2024 If Fed Can Cut

Earlier this year, Curinos estimated that retail deposits would be flat for branch banks in 2024, so many were no doubt encouraged to see 1Q deposit volumes up 1.5%.

READ TIME: 1 MIN

June 13, 2024

According To The Data // Insights

Price Is Driving Changing Dynamics In Portfolio Lending

Mortgage lenders generally seek to make as many loans as they can profitably sell into the secondary market, but for the loans banks and credit unions choose to retain in portfolio,

READ TIME: 1 MIN

June 11, 2024

According To The Data // 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

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