retaildepanalyzer

Core Deposits Needed: Build Branches Or Close Them?

In the face of rising expense pressure and the continued need for low-cost deposits in a ‘higher-for-longer’ rate environment, all banking institutions in 2024 will struggle with the question of what to do with their branch networks.

READ TIME: 6 MINS

January 10, 2024

Curinos Review // Insights

More Mortgage Malaise, Higher Hopes For Home Equity

Curinos expects many of today’s mortgage market challenges – affordability, inventory, lack of demand – to persist in 2024, with a material recovery not likely until 2025.

READ TIME: 5 MINS

January 10, 2024

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

Curinos Perspectives // Insights

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.

READ TIME: 4 MINS

December 13, 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

Curinos Perspectives // Insights

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.

READ TIME: 6 MINS

November 1, 2023

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