retaildepositoptimizer

Automating the Messy Middle: The Operational Frontier of Banking AI

Every bank has a “messy middle”: the manual processes between strategy and execution—campaign setup, reporting, targeting, exception handling, file transfers, budgeting, and more.

READ TIME: 1 MIN

May 5, 2026

Curinos Review // Insights

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

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

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

Curinos Review // Insights

Curinos Review Fall 2025

Banking is being rewired before our eyes. Artificial intelligence, decision intelligence and the redefinition of customer value are transforming how financial institutions grow, compete and serve. What once felt theoretical is now operational reality—and the pace of change has never been faster.

READ TIME: 4 MINS

November 5, 2025

Curinos Review // Insights

Déjà Vu or Start of a Normal Rate Cycle? Cutting Through Noise to Act Fast

The falling rate cycle that started a year ago has had starts and stops and started again with this September and October rate cuts. Return to normalcy has been delayed due to the macro impact of trade and immigration policies, and 2026 deposit growth could vary widely.

READ TIME: 9 MINS

November 5, 2025

Curinos Review // Insights

Peak Uncertainty Requires Peak Readiness. How Prepared Is Your Deposits Strategy?

Following a decade of slow predictable growth at unattractive rates, retail deposit growth since 2020 has been extremely volatile and hypercompetitive.

READ TIME: 6 MINS

July 1, 2025

Curinos Review // Insights

Curinos Review Summer 2025

We’re entering the strategic planning season for 2026 amid elevated uncertainty, and as tempting as it may be, among the least useful approaches to planning is to be too reticent. At Curinos, we think this is a time to plan for and take decisive action, which is why we’ve titled our Summer issue of Curinos Review Heightened Uncertainty Calls for Transformational Thinking.

READ TIME: 4 MINS

July 1, 2025

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