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Creating Better Friction For P2P Payments

Today’s consumers demand a fast and smooth digital experience – no surprise there. But as retail checking providers try to gain traction in the increasingly competitive P2P space, their customers say they’d welcome a little more friction in exchange for a lot more security.

READ TIME: 1 MIN

April 18, 2024

According To The Data // Insights

First-Time Homebuyers Are Reshaping The Market

Rates and housing values are at multi-year highs, so there probably aren’t many first-time homebuyers (FTHB) entering the market, right? Not so.

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April 16, 2024

According To The Data // Insights

Commercial: Falling Rates Won’t Stop Deposit Flow To IB

Migration from non-interest-bearing (NIB) commercial deposits to interest-bearing (IB) continues. It’s no mystery: The market rate for IB is about 400 bp, nearly five times what NIB deposits earn.

READ TIME: 1 MIN

April 11, 2024

According To The Data // Insights

How Does Branch Consolidation Affect Your Results?

Most regional banks have reduced their branch networks over the last three years, but there’s been significant divergence in their results, according to Curinos’ BranchScape.

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April 9, 2024

According To The Data // Insights

2024 TM Pricing Outlook: Exception Pricing Gains

With continued net interest income pressures and competition for deposits, treasury management (TM) pricing is one of the quickest levers to pull to drive fee revenues and protect balances at risk of remixing to interest-bearing options.

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April 4, 2024

According To The Data // Insights

Falling CD Rates? Whew! Well, Maybe Not.

Even with higher rates, CD retention rates have been about 85%. That’s the good news.

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April 2, 2024

According To The Data // Insights

As Rates Fall, Back Books Will Block Expense Relief

Relatively low-priced commercial back books present headwinds to meeting pass-through targets for falling-rate betas. Lowering rates on their balances would risk attrition, and replacing them could get expensive.

READ TIME: 1 MIN

March 14, 2024

According To The Data // Insights

Last Year’s High-Rate CDs Are Coming Home To Roost

Financial institutions will need to sustain high CD rates to retain balances, especially because deposit betas are likely to lag any downward actions by the Fed.

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March 12, 2024

According To The Data // Insights

Innovators Push Funding Of New Digital Accounts

To gain primacy, leading financial providers target the funding journey in account opening, including adding direct deposit.

READ TIME: 1 MIN

March 7, 2024

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