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
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profitibilityoptimizer
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 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
Deposit Costs: Finding The Right Balance For Small Business Success
Last week’s installment of This Month In Retail Banking focused on acquiring the right balance of checking deposits and rate-based products to optimize deposit growth in today’s challenging market. This week we continue the conversation by making a case for focusing on the small business segment.
READ TIME: 3 MINS
August 31, 2023
Deposit Acquisition Costs: Finding The Right Balance For Success
In striking a balance between checking acquisition and rate-based deposit acquisition, banks have often tilted toward checking because it leads to low-cost deposits, deeper relationships and the purchase of additional products.
READ TIME: 2 MINS
August 24, 2023
Grow Funding? Look To Your Differences By Market.
In too many cases, financial institutions are reacting to the continuing compression of net interest margin (NIM) by reducing operating expenses.
READ TIME: 2 MINS
August 22, 2023
Elevate Digital Onboarding? Remove ID And Verification Frictions.
Among the hurdles to a smooth account opening process are identity verification and information input. More banks are finding creative ways to streamline in order to reduce drop-off.
READ TIME: 2 MINS
August 14, 2023
Housing Values Soar. So Do Property Taxes.
Even despite the Fed’s best efforts to slow the economy, home prices in major metropolitan areas continue to rise, steeply.
READ TIME: 2 MINS
July 31, 2023
Caution: Consumer CD Renewal Bubbles Ahead
As the result of close to a year of strong inflows into CDs, the banking industry will soon be facing significant CD renewal bubbles that could begin as early as this September.
READ TIME: 3 MINS
July 20, 2023