Are You Encouraging Healthy
Payments Activity?
One of the key pillars of profitability for retail banks is to ensure that customers are regularly making payments across digital services.
READ TIME: 1 MIN
February 25, 2025
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digitalbankinganalyzer
Curinos Perspective: As Expected, the Fed Cuts Another 25 bp
As was widely expected in the markets, the FOMC cut the target range for the Federal Fund rate by 25 basis points to a range of 4.5% to 4.75%.
READ TIME: 4 MINS
November 7, 2024
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 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
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 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
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 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
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