digitalbankinganalyzer

The Fintech Winter Has Given Way to Emergent Growth

The year 2023 may be considered the fintech winter, when the list of failed start-ups lengthened as banks pulled out of BaaS, venture capital funding dried up and promising new markets such as buy-now pay-later (BNPL) saw consolidation across the board.

READ TIME: 1 MIN

October 15, 2024

Curinos Perspectives // Insights

Curinos Perspective: The Fed Goes Big

The FOMC cut the Federal Funds target rate by a decisive 50 basis points to a new range of 4.75% to 5%.

READ TIME: 6 MINS

September 18, 2024

According To The Data // Insights

Lower Rates Are Prompting Changes
To Mortgage Servicing

Since the start of 2023, nearly 40% of mortgages have locked in to rates of more than 6%. Now, with the prospect of lower rates on the horizon, the mortgage industry is increasingly shifting to refinancing – for the first time in several years.

READ TIME: 1 MIN

August 29, 2024

Curinos Perspectives // Insights

Curinos Perspective: The FOMC has Given Notice: Time to Prepare for Falling Rates

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%, but Chair Powell tipped his hand that the data suggest a rate cut will be on the table for the September meeting. This will be welcome news for banks that have been waiting for relief on rising funding costs and exposures to rate-sensitive asset classes.

READ TIME: 3 MINS

July 31, 2024

According To The Data // Insights

Chatbots Showing Signs Of Becoming Main Banking Engagement Tool

Significant investment and advances in technology like generative AI indicate that U.S. banks are looking to build chatbots as their primary means of customer engagement.

READ TIME: 2 MINS

July 30, 2024

Curinos Perspectives // Insights

Curinos Perspective: Benchmark Digital Onboarding To Gain In Customer Acquisition

Financial institutions need to observe and act on competitive intelligence with account-opening capabilities critical to growth.

READ TIME: 5 MINS

July 3, 2024

Curinos Review // Insights

How To Bring An Open Mind To Open Banking

Opposition to the Consumer Financial Protection Bureau’s proposed rules to formalize open banking in the U.S. may seem like a natural reaction and in some ways legitimate.

READ TIME: 6 MINS

June 27, 2024

Curinos Review // Insights

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 Perspectives // Insights

Curinos Perspective: How To Grow Deposits With Wealth Clients

After 18 months of cash runoff in the Wealth deposit space, we turned a corner in the second half of 2023 – since bottoming out last May, the industry has experienced net deposit balance growth of more than 11%.

READ TIME: 4 MINS

May 6, 2024

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