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New-to-Bank Checking: Quantity At Odds With Quality

For traditional banks, many mass market customers who don’t have a full relationship with them are simply unprofitable. That’s in large measure because fee income is in decline as competitive and regulatory pressures tighten.
READ TIME: 1 MIN

August 13, 2024

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 Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%. As previously communicated, the Fed has tapered quantitative tightening by $35B, lowering the redemption cap from $95 billion per month to $60 billion per month.
READ TIME: 9 MINS

June 13, 2024

Targeting Affluent Consumers? You’re Not Alone

With the cost of acquisition rising and fee revenue falling, the payback period for consumer banking customers has extended from 18 months to four years.
READ TIME: 1 MIN

May 21, 2024

TM Fees: How High Can They Go?

Data from the Curinos TM Fee Analyzer indicate that treasury management (TM) fees grew only 2.1% last year, with pricing growth exceeding volume growth in six of the top eight product families.
READ TIME: 1 MIN

May 16, 2024

Rising Excess ECR Poses Another Risk To NIB Deposits

Earnings credit rate DDA balances, already diminished, could be at further risk given high rates that continue to make interest-bearing alternatives attractive.
READ TIME: 1 MIN

May 9, 2024

Too Many Tellers Or Too Few Transactions? The Answer Is “Yes.”

The pandemic did a number on branch transactions, and we have the numbers to prove it.
READ TIME: 1 MIN

May 7, 2024

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 Perspective: What Other Banks Can Learn From Chase’s Branch Expansion

Much has been said and written recently regarding The Wall Street Journal’s article about Chase’s investment program in branches. We at Curinos wanted to offer our thoughts as well, with particular emphasis on the implications for regional and community banks across the country.
READ TIME: 4 MINS

February 22, 2024

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Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

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CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
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CurinosAP@curinos.com

Media Inquiries:
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