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Insights // This Month In Retail Banking

November MBS Rally Is Helpful, But Not Enough

From November 10 to December 6, mortgage-backed security prices rallied by 255 bp as a result of several factors that were consistent with a shift in both Federal Reserve and market outlooks. But has the run-up been enough to favorably affect origination volume? The short answer is no.

READ TIME: 2 MINS

December 14, 2023

Insights // This Month In Retail Banking

A Preview Of The Coming CD Renewal Surge

Early returns from the looming tidal wave of CD renewals show that retention is holding up. But it’s still early, and deposit rates are likely to remain elevated. So a well-honed CD-renewal strategy in 2024 will be more important than at any time in the last 15 years.

READ TIME: 2 MINS

November 20, 2023

Insights // This Month In Retail Banking

Now May Be The Time For A Brand Refresh

In today’s highly competitive digital environment, maintaining brand equity to engage today’s customers and digital natives is becoming increasingly important, and challenging. That’s why several of them have recently taken on a whole new brand identity.

READ TIME: 1 MIN

November 15, 2023

Insights // This Month In Retail Banking

Branch Count Continues Downward, But At A Slower Pace

After two years of COVID-accelerated branch closures, financial institutions have now slowed the pace of consolidations, but the shuttering of in-store branches continues to accelerate. Meanwhile, super-regional and regional banks have been disproportionate in driving the overall reduction in branch counts.

READ TIME: 2 MINS

November 8, 2023

Insights // This Month In Retail Banking

To Gauge A Consumer’s Channel Preference, Consider The Entire Portfolio

When it comes to communication preferences by channel, consumers vary widely, but not necessarily by demographics. Much more predictive are the content of the communication and where the individual is on the marketing journey. Marketers need the tools and analytics to discover which combination of these variables will most likely succeed at each stage of a campaign.

READ TIME: 2 MINS

November 6, 2023

Insights // This Month In Retail Banking

2024 Deposit Growth May Not Meet Expectations

Well over half of banking professionals say their institution will grow deposits by 1% or more in 2024. But fully 84% of these same respondents said the industry would stay flat or lose deposits. We applaud the self-confidence, but the math could be against it, so we counsel caution.

READ TIME: 2 MINS

October 20, 2023

Insights // This Month In Retail Banking

Clear Routes To Action Can Drive CD Renewals To Digital

With nearly 10% of U.S. retail deposits renewing by the end of Q1 ’24, engaging customers and members through the most accessible channel – digital – will be critical to CD renewal and retention.

READ TIME: 2 MINS

October 12, 2023

Insights // This Month In Retail Banking

For Mortgage Portfolio Lending, A Barbell Effect Is In “Overdrive”

Because rates for portfolio loans have increased relative to those sold into the secondary market, portfolio lenders are targeting borrowers at opposite ends of the spectrum: low-to-moderate income on one, high wealth on the other.

READ TIME: 3 MINS

October 10, 2023

Insights // This Month In Retail Banking

Higher-For-Longer Rates Complicate Once-Easy Decisions On Branch Closures

As we enter a period of higher-for-longer interest rates, compressed NIM and slower loan growth, financial institutions will inevitably turn to managing expenses as they work to stay in the black.

READ TIME: 2 MINS

October 3, 2023

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