CurinosReviewFall2023

Curinos Review Summer 2024

With 2024 half over, planning for 2025 has begun. That’s why we’ve titled this issue of the Curinos Review How to Plan for Success in 2025 and have dedicated each article to ways to anticipate and plan for what’s to come next year.

READ TIME: 4 MINS

June 27, 2024

Curinos Review // Insights

Curinos Review Spring 2024

Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.

READ TIME: 4 MINS

March 18, 2024

Curinos Review // Insights

Curinos Review Winter 2024

Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.

READ TIME: 3 MINS

January 10, 2024

Curinos Review // Insights

The Moat You Thought You Had? It’s Been Breached

Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.

READ TIME: 6 MINS

September 21, 2023

Curinos Review // Insights

Higher Rates Push Banks To Draft A CD Maturity Playbook

In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Small Businesses Offer A Clear Profitability Upside For Banks

On average, financial institutions spend about half as much to acquire small business deposits than consumer deposits. And small businesses that have a lending relationship with a bank keep far higher deposit balances than those without the lending connection.

READ TIME: 5 MINS

September 21, 2023

Curinos Review // Insights

More Than Ever, Deposits Are Key To Profitability

The winners in this challenging environment will manage near-term deposit costs to minimize back-book repricing and limit exception pricing. In the longer term, institutions need to consider marketing as an investment in new-customer growth.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential

Today’s high interest rates are taking too much of the blame for depressed home sales.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Breaking Down Barriers To Reach A Wider Set Of Customers

An estimated 45 million U.S. consumers are credit invisible, have thin credit files or lack a recent credit history.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.

READ TIME: 3 MINS

September 21, 2023

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CurinosReviewFall2023

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