Grow Funding? Look To Your Differences By Market.
In too many cases, financial institutions are reacting to the continuing compression of net interest margin (NIM) by reducing operating expenses.
READ TIME: 2 MINS
August 22, 2023
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Elevate Digital Onboarding? Remove ID And Verification Frictions.
Among the hurdles to a smooth account opening process are identity verification and information input. More banks are finding creative ways to streamline in order to reduce drop-off.
READ TIME: 2 MINS
August 14, 2023
Housing Values Soar. So Do Property Taxes.
Even despite the Fed’s best efforts to slow the economy, home prices in major metropolitan areas continue to rise, steeply.
READ TIME: 2 MINS
July 31, 2023
Commercial Deposits: Market Disruption Means Heated Competition
Even though the Fed sat out hiking rates during the June meeting, commercial customer behaviors didn’t miss a beat.
READ TIME: 4 MINS
July 27, 2023
Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer
After a brief, one-meeting pause in June, the Fed’s Federal Open Market Committee (FOMC) raised the Federal Funds rate by .25% to a target range of 5.25% to 5.5%.
READ TIME: 8 MINS
July 26, 2023
Caution: Consumer CD Renewal Bubbles Ahead
As the result of close to a year of strong inflows into CDs, the banking industry will soon be facing significant CD renewal bubbles that could begin as early as this September.
READ TIME: 3 MINS
July 20, 2023
Memo To Marketers: Treat Your Budget Like An Investment Fund
In today’s digital-first world, seeding awareness and consideration is increasingly the purview of marketing rather than the physical networks.
READ TIME: 5 MINS
July 18, 2023
Where Have All The Branch Closures Gone?
Here’s a trend that many industry observers may find surprising: Even after accelerated closures during the pandemic, branch office closings for the past year are 29% below the five-year pre-pandemic average.
READ TIME: 3 MINS
July 13, 2023
Curinos Review Summer 2023
Welcome to the Summer 2023 issue of the Curinos Review. The liquidity crisis may have abated somewhat, but with net interest margins continuing to compress and loan volume and risk appetite both subdued, the attention now turns to profitability.
READ TIME: 5 MINS
June 28, 2023