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retaildepositoptimizer

For CD Renewals, Job 1 Is “Don’t Overpay”

Of the $1.5 trillion in CDs at branch banks, 90% will mature in the next 12 months – 10% of them this month alone and that monthly percentages will climb even higher later this summer.
READ TIME: 2 MINS

May 28, 2024

Creating Better Friction For P2P Payments

Today’s consumers demand a fast and smooth digital experience – no surprise there. But as retail checking providers try to gain traction in the increasingly competitive P2P space, their customers say they’d welcome a little more friction in exchange for a lot more security.
READ TIME: 1 MIN

April 18, 2024

Thinking Beyond Rate To Get And Keep Wealth Deposits

With the Federal Reserve unlikely to reduce short-term interest rates before summer, banks experiencing significant runoff of wealth deposits and cash sweeps have several options available beyond broad hikes in deposit rates to stop the bleeding and potentially regain share of wallet with their wealthiest clients.
READ TIME: 7 MINS

March 18, 2024

Curinos Review Spring 2024

Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.
READ TIME: 4 MINS

March 18, 2024

Fee Changes Require New Approach To Serving Mass Market

It appears that the steady unwinding of retail banking fees will continue to take its toll on bank and credit union profitability.
READ TIME: 7 MINS

March 18, 2024

Mass Market Vs. Mass Affluent: A Data-Driven Primer

Curinos’ latest U.S. Banking Shopper Survey offers insights on how to best meet the needs of the mass market and mass affluent customers by informing the most effective strategies for acquisition and optimal experiences to unlock primacy and improve profitability.
READ TIME: 5 MINS

March 18, 2024

Bank M&A: Forget Much Of What You Think You Know

After a recent lull, banking deals are expected to pick up this year thanks to anticipated rate reductions, higher stock values and healthier balance sheets.
READ TIME: 8 MINS

March 18, 2024

Curinos Review Winter 2024

Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.
READ TIME: 3 MINS

January 10, 2024

Raising Meaningful Deposits In 2024: Buy Or Build?

For financial institutions looking to grow deposits significantly, a key question becomes whether buying them via acquiring another institution would be more advantageous than building them organically.
READ TIME: 9 MINS

January 10, 2024

Deposits In ’24: It’s Gonna Cost You

2024 will be a great year to grow deposits for any institutions ready to spend big. For many or even most banks and credit unions, more modest goals may make more sense.
READ TIME: 8 MINS

January 10, 2024

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Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

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CurinosAP@curinos.com

Media Inquiries:
Curinos@cognitomedia.com

Need to contact a specific team?

Sales Inquiries:
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CurinosAP@curinos.com

Media Inquiries:
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