CRQ126

The 1% Problem in Bank Acquisition – A Case Study

The uncomfortable truth is that only about 1% of prospects will contribute to meaningful deposit growth. Targeting without the right decision support could miss them and focus instead on those who may look good initially but whose value will deflate over time. A recent campaign to the mass affluent had it both ways: more funded accounts and higher balances, using one indicator for higher response and another for sustainable customer value.

READ TIME: 6 MINS

March 23, 2026

Curinos Review // Insights

Decision Intelligence is Not Agentic AI – and Any Confusion Will Cost Banks Billions

Agentic AI automates known workflows using LLM-based reasoning and delivers value through speed and labor reduction. Decision intelligence determines the optimal strategy under uncertainty using reinforcement learning that tests real decisions against real outcomes. Most banks are investing heavily in agentic AI while underinvesting in the decision layer that governs what those agents execute.

READ TIME: 11 MINS

March 23, 2026

Curinos Review // Insights

Every Deal is a Deposit Retention Strategy

Since 2018 the average bank deal above $5 billion has seen 11% in consumer deposit attrition, with the bottom quartile losing more than 17%. That kind of forfeiture can be existential. Early missteps in the deal trigger outflows that are difficult to reverse and expensive to replace. Acquiring institutions need to execute two missions simultaneously: protect the inherited franchise and articulate a compelling forward-looking value proposition.

READ TIME: 7 MINS

March 23, 2026

Curinos Review // Insights

Everyone Wants to be a Bank. How to Compete?

The moats that have protected traditional banks are evaporating thanks to digitization and greater regulatory openness to granting charters to disruptors. The intensified competition comes at a time when growth is constricted by low population growth and profitability is squeezed by skyrocketing acquisition costs. To defend their franchise, banks need to engage decision intelligence to augment the human touch in delivering the right products and services to the right customers at the right time.

READ TIME: 9 MINS

March 23, 2026

Curinos Review // Insights

Credit is the New Front Door

Prospective home lending borrowers are increasingly judging lenders on the quality of the application-to-funding experience and measuring it against what they’re getting from non banks and fintechs. To close the gap, traditional lenders need to take a hard look at siloed business lines, conflicting channel strategies and inconsistent borrower experiences. They may also want to take a page from the non-bank playbook: lead with lending to gain and solidify the relationship rather than treating it as merely cross-sell.

READ TIME: 7 MINS

March 23, 2026

Curinos Review // Insights

The Small Business Operating System

To attract and retain small business clients, offering them deposits alone isn’t a durable strategy—both sides of the balance sheet need to be managed in tandem. And banks serving small businesses will increasingly need to advance their digital experience beyond application and funding to include immediate preapproved product offers—or be left behind by digital disruptors that do.

READ TIME: 7 MINS

March 23, 2026

Curinos Review // Insights

The End of Deposit Inertia?

For decades, deposit inertia was one of banking's most reliable and least discussed competitive advantages. But that advantage is eroding. Digital experiences have lowered switching friction. Disruptors are poaching deposits before traditional providers are aware of what’s happening. Stablecoins and emerging payment rails may threaten the funding physics banks have relied on for generations . And agentic AI may provide the possibility of shopping for customers on their behalf.

READ TIME: 11 MINS

March 23, 2026

Categories

Want to go further?

Our Solutions

Who We Help

Our Company

Subscribe

Follow Us

Comparative Analytics

Optimization Platforms

Intelligent Data

Need to contact a specific team?

Financial Institutions

Need to contact a specific team?

Curinos Review

According To The Data

Curinos Perspectives

Need to contact a specific team?

Need to contact a specific team?

Need to contact a specific team?

Let's start a conversation...