retaildepanalyzer

Curinos Review Spring 2026

The Spring issue of the Curinos Review is built around a simple belief: the next source of durable advantage in banking will not be a model, a channel or a product. It will be decision intelligence.

READ TIME: 5 MINS

March 23, 2026

Curinos Review // Insights

The End of Deposit Inertia?

For decades, deposit inertia was one of banking's most reliable and least discussed competitive advantages. But that advantage is eroding. Digital experiences have lowered switching friction. Disruptors are poaching deposits before traditional providers are aware of what’s happening. Stablecoins and emerging payment rails may threaten the funding physics banks have relied on for generations . And agentic AI may provide the possibility of shopping for customers on their behalf.

READ TIME: 11 MINS

March 23, 2026

According To The Data // Insights

Direct Banks Are Not Immune to a CD Slowdown

During periods of high interest rates, direct bank growth has often been buoyed by strong CD growth. That’s because the more competitive rates direct banks offer on CDs have been able to attract rate-seeking customers from traditional FIs.

READ TIME: 1 MIN

March 17, 2026

According To The Data // Insights

Add to Deposits? Maybe Better to Deepen the Relationship through Unsecured Lending

As deposit growth continues to be a primary challenge in 2026, FIs may need to look beyond the liability side of the balance sheet for relief.

READ TIME: 1 MIN

February 24, 2026

According To The Data // Insights

Growing Pains for Customer Relationships

Growing consumer banking balances turned out to be easier than growing customers in 2025, against the backdrop of falling rates and overall lower money in motion.

READ TIME: 1 MIN

February 12, 2026

According To The Data // Insights

Commercial Profitability Hinges on Getting Deposit and Fee Pricing Right

In the latest Curinos Quarterly Commercial Executive Summary, banks were asked about the market outlook for 2026. Over half said they expected increased competition for commercial deposits, the remainder said they expect the same, and none said that they anticipate less.

READ TIME: 1 MIN

February 10, 2026

According To The Data // Insights

With Deposit Growth Flat, Retention is Your Hidden Profit Center

This is the second in a series of reports on the current state of consumer banking and how decision intelligence is quickly and dramatically altering the industry as we enter the first full year of AI-native banking.

READ TIME: 1 MIN

January 22, 2026

According To The Data // Insights

CDs Are Increasingly Looked to for Both Offense and Defense

The Federal Reserve made three rate cuts in the last four months of both 2024 and 2025 – a total of 100 bp and 75 bp, respectively.

READ TIME: 1 MIN

January 15, 2026

Curinos Perspectives // Insights

Caution, CD Bubble Ahead: 3 Ways AI-enabled Marketing Can Help

Curinos’ Consumer Deposit Analyzer shows that more than 20% of bank balances on average are in CDs.

READ TIME: 2 MINS

January 13, 2026

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