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Posts
According To The Data
- 2024 TM Pricing Outlook: Exception Pricing Gains
- A Better Return on Cash Sweeps?
Think of Them as Deposits - A Chatbot-First Approach
Relies on Relationship Data - Add to Deposits? Maybe Better to Deepen the Relationship through Unsecured Lending
- AI Allows Marketers to Shift From Execution to Strategy
- AI Enablement in Banking Means Balancing Innovation and Responsibility
- AI-Powered Personalization Can Help Sustain Marketing Lift
- AI’s Value Prop: A Cheaper Path To Customer Primacy
- Amid a Sea of TM Service Codes, Focus on the Ones that Matter
- Among Wealth Clients, CDs Have Their Limits
- Appetite for Core Customer Growth Accelerates De Novo Investment in Thinly Branched Markets
- Are You Encouraging Healthy
Payments Activity? - ARMs Are Back! Flexible and Affordable
- As Rates Fall, Back Books Will Block Expense Relief
- Banks May Have Turned The Tide On Commercial Outflows
- Betas for This Falling Rate Cycle Will be Different
- Better Wealth Retention Starts With Checking
- Brokerage Cash Sweeps:
No Longer Just the Leftovers - Cash Sweeps Likely to Continue to Benefit from Declining Rates
- Caution: Wealth CD Maturities Ahead
- CD Growth Still Strong, But Trend Line Has Gone Flat
- CD Money in Motion Continues to Decline
- CDs Are Increasingly Looked to for Both Offense and Defense
- Chatbots Showing Signs Of Becoming Main Banking Engagement Tool
- Commercial Deposit Alert: Four Ways To Prepare For Falling Rates
- Commercial Profitability Hinges on Getting Deposit and Fee Pricing Right
- Commercial: Falling Rates Won’t Stop Deposit Flow To IB
- Competition for Deposits Has Slowed Branch Closings, For Now
- Consumer Deposits: Greater Uncertainty Means Slower Growth
- Consumer-Deposit Alert: Money In Motion Is In Decline
- CPAs Continue To Soar
- Creating Better Friction For P2P Payments
- Curinos’ Flow of Funds Dashboard Shows Commercial Balances are Eroding
- DAF Levels Are Down. What Can Be Done?
- Decision Intelligence: The Deposit Growth Gap Isn’t A Marketing Problem
- Defining Personalization Is The First Step Toward Greater Adoption
- Deposit Balances Rebound as Post-Covid “Revenge Spending” Dissipates
- Deposit Update: Nominal Growth In 2024 If Fed Can Cut
- Despite Lower Rates, Competition for Commercial IB Deposits Remains Intense
- Digital Low-Fund Alerts Can
Lead to Better Retention - Earnings Credit Rates Are Finally Moving Up
- Exception Pricing: In Wealth, More The Rule Than The Exception
- Expectations for 2026: CDs Remain Here to Stay
- Falling CD Rates? Whew! Well, Maybe Not.
- Falling Refi Rates Are Driving Demand and Elevated Application Pull-Through
- Fed’s First Big Cut Means (Surprise!) a Big Gain for CDs
- FHA Rates Are Attracting Higher-Quality Borrowers
- Fintechs Continue to Lead in New Banking Relationships – 3 Key Implications
- First-Time Homebuyers Are Reshaping The Market
- FIs Redefine What Banking
Means to the Affluent - For CD Renewals, Job 1 Is “Don’t Overpay”
- Generative AI for Executives: Instant Insight, Zero Noise
- Good News for Home Equity: Strong Growth Expected in 2026
- Good News: Strong Home Equity Growth Ahead in 2025 (Moderate Gains in 2026)
- Growing Deposits Is Getting More Expensive Across The Board
- Growing Pains for Customer Relationships
- Growth of Government-Insured Mortgages
- H1 2025 Consumer Deposit Growth in Review: Downshifted & Dispersed
- High Volumes of CDs Will
Continue to Mature in 2025 - High-Rate CD Attrition May Be Signaling What’s to Come
- Home Equity Is Positioned For A Rebound
- Home Equity’s Next Chapter: Resilient Growth and a Race Toward Efficiency
- Home Equity’s Trend Toward Digital Will Only Get Stronger
- Home Lending: Don’t Discount the Buydown
- How Does Branch Consolidation Affect Your Results?
- ID Scan Prefill Cuts Onboarding
Friction by 15 Points - In Gaining Primary Relationships,
Bank Types Vary Considerably - In Their Digital Experiences, Nextgen Users Want Both Aesthetics And Practicality
- In Unsecured Lending, Speed Can Mean Higher Profits
- Innovators Push Funding Of New Digital Accounts
- Last Year’s High-Rate CDs Are Coming Home To Roost
- Lending Affordability Strategy?
You Can’t Afford Not to Have One. - LMI Lending: Considerations For Success
- Looking to Retain More Wealth Deposits? Focus on Checking
- Lower Rates Are Prompting Changes
To Mortgage Servicing - Managing Mortgage Lending Cycles
- Managing Wealth Beta Requires the Right Analytics
- Marketing’s Role in Turning Dormancy to Primacy: Lift Checking Utilization Message CTR by 450%
- Mass Affluent: Big Opportunity, But At A Cost
- More M&A on the Horizon?
Here’s How to Moderate Potential Damage - Mortgage Lending: Is Today’s Emphasis on Credit Quality Overlooking Opportunity?
- Network Optimization: How Many Banks are Winning
- New Primary Relationships At Fintechs Are Surging
- New-to-Bank Checking: Quantity At Odds With Quality
- Payments: What The Continuing Migration To Digital May Mean
- Personalization: Larger Banks Report Struggling To Get Their Data Right
- Preempting Conforming Home Loan Limits Can Boost Year-End Volume
- Price Is Driving Changing Dynamics In Portfolio Lending
- Profitable Commercial Growth Can Hinge On The Right Client Mix
- Promotional Offers Are Spurring HELOC Utilization
- Q1 ‘24 Mortgage Trends Signal Continuing Resilience
- Q4 Mortgage Volume: Weak Overall, Worse For Banks And CUs
- Rates and Economic Outlook
Spurring HELOC Growth - Rates Are Falling, And CDs Are Already Leading The Way
- Regional Pricing: With the Game Changing, Time to Leverage WAMP
- Rising Excess ECR Poses Another Risk To NIB Deposits
- SBA Lending Halted as Government Shutdown Continues
- Slow & Steady: Fewer Banks Following the Fed’s Lead on Rates
- Small Business Lending: Warning Signs of Credit Tightening?
- Small Business: Attractive for Deposits, but Getting More Competitive
- Successful De Novo Branching
Calls for the Right Ingredients - Sweeps Can No Longer
Be Swept Under The Rug - Targeting Affluent Consumers? You’re Not Alone
- The $900M Question: Have You Been Attracting New Dollars This Year?
- The Affluent Strategy Arms Race: Why Not Everyone Can Win
- The Best Way To Boost Commercial Profits: Own The TM Relationship
- The Fintech Winter Has Given Way to Emergent Growth
- The Key To Digital Retention? Early Funding
- The Lock-in Effect Spells Opportunity for Home Equity Lending
- The Opportunity Banks Are Overlooking Isn’t Affluent — It’s Mass Market
- The Outlook for Home Equity Lending: Cautious Optimism
- The Right Commercial DDA Strategy Starts with the Right Line of Sight
- The State of Wealth Deposits, Then and Now
- There’s High Repricing Risk In Those Low-Rate Balances
- TM Fees: How High Can They Go?
- TM Investment: Running Fast But Standing Still
- To Make Small Business Profitable, Look at the Entire Relationship
- To Maximize CD Retention at the Right Price, Look to Segmentation
- Too Many Tellers Or Too Few Transactions? The Answer Is “Yes.”
- Treasury Management Rides Pricing to Strongest Growth Since 2021
- UK Digital Banking:
Today, It’s Got To Be About Engagement - UK: The Best Switching Offer Needs to Balance Volume and Value
- Want More Small Businesses? Be More Distinctive
- Want Small Business Deposits? Focus On Primacy
- Wealth Balances: The Higher You Climb,
the Harder You Fall? - Wealth Clients Were Late To The CD Party And Will Likely Leave Early
- Wealth Deposits: A Return to Normalcy after a Whipsaw 2023
- Wealth Deposits: Published Rates Remain Disconnected from Reality
- Wealth Savings: A Cautionary Lesson From The Last Time Rates Fell
- Weighted Average Pricing Can Mean Greater Mortgage-Market Precision
- What If You Could Increase
Bill Pay Activation by 64%? - When it Comes to Commercial Balances,
Think Small - Which Customer is About to Leave?
Check the Relationship - Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point
- With CD Rates Falling, High-Yield Savings Accounts Are the Big Winners
- With Deposit Growth Flat, Retention is Your Hidden Profit Center
- With Rates Set To Fall, So Too
Will Treasury Management Pricing
CECL
Curinos Perspectives
- 2024 Curinos CMO Summit
- 2024 Home Equity Summit – Key Takeaways
- 5 Takeaways from “Expanding into New Markets”
- A New Kind of CRM:
Using Data to Optimize In-Branch Activities - A Relationship with a Small Business
Calls for Commitment - Attribution is Broken. Today, Marketers Need to Look to Customer Decisioning.
- Cash Sweeps: What Broker-Dealers Need to Consider
- Caution, CD Bubble Ahead: 3 Ways AI-enabled Marketing Can Help
- Commercial Banking: How to Capitalize on this Year’s Growth Opportunity-5 Takeaways
- Curinos 2025 Commercial & Wealth Summit – 7 Takeaways
- Curinos 2025 Home Equity Summit – 7 Takeaways
- Curinos Perspective:
Curinos at CBA LIVE 2025 – 7 Takeaways - Curinos Perspective:
Strategic Retail Planning – 5 Takeaways - Curinos Perspective: 5 Takeaways – AI’s Edge For Personalization
- Curinos Perspective: 5 Takeaways – Untapped Potential In Your Network
- Curinos Perspective: 5 Takeaways from “2024 Outlook: Three Things Home Equity Lenders Should Know Now”
- Curinos Perspective: 5 Takeaways From “Unlocking Digital Success”
- Curinos Perspective: 5 Takeaways On Strategies For Realizing HELOC Balance Growth
- Curinos Perspective: 5 Takeaways On Using Analytics To Create An Effective Deposit Strategy
- Curinos Perspective: 7 Takeaways – Digital Origination And Onboarding
- Curinos Perspective: 7 Takeaways from “The Year Ahead: Planning For Success In 2024”
- Curinos Perspective: 7 Takeaways From CBA LIVE 2024
- Curinos Perspective: AB Small Biz Banking 2023 Conference – 5 Takeaways
- Curinos Perspective: As Expected, the Fed Cuts Another 25 bp
- Curinos Perspective: As Fed Hikes Again, Rate and Behavior Begin to Thaw
- Curinos Perspective: Bank of Canada Hikes Rates. Will a Deposit Scramble Be Next?
- Curinos Perspective: Benchmark Digital Onboarding To Gain In Customer Acquisition
- Curinos Perspective: BoE Hikes Rates, But Will Banks Follow?
- Curinos Perspective: Can In-App Payments Be Made More Secure From Fraud?
- Curinos Perspective: Churn, Betas Heat Up As Rates Move Higher
- Curinos Perspective: Competitive Forces Are Driving Different Decisions About Networks
- Curinos Perspective: Deposit WAL – A Key Measure To Gauge Interest Rate Risk
- Curinos Perspective: Does Free Banking Have A Future?
- Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives
- Curinos Perspective: Fed Cuts Another 25 bp, but FOMC Members See Wide Range of Paths Ahead
- Curinos Perspective: Fed Hikes Again – Implications For A Potential Plateau
- Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer
- Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue
- Curinos Perspective: Fed Keeps Rates Steady, But Get Ready for Them to Rise
- Curinos Perspective: Fed Keeps Up The Fight Against Inflation Amid Banking Sector Uncertainty
- Curinos Perspective: Fed Pauses, But What Lies Ahead Is Less Clear
- Curinos Perspective: Fed Plateau Possibly On The Horizon – What To Know
- Curinos Perspective: Fed’s Battle with Inflation Moves to a New Phase
- Curinos Perspective: FIs Have Two Options Under CFPB’s Overdraft Proposal
- Curinos Perspective: Five Key Takeaways From Curinos’ Retail Deposit Optimizer Client Forum
- Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer
- Curinos Perspective: How Deposit Optimization Can Drive Profitability
- Curinos Perspective: How High Will We Go?
- Curinos Perspective: How To Grow Deposits With Wealth Clients
- Curinos Perspective: How To Win In Small Business – 5 Takeaways
- Curinos Perspective: Impact of Falling Rates on Consumer Lending – 5 Takeaways
- Curinos Perspective: Key Considerations Amid Industry Disruption
- Curinos Perspective: Key Takeaways From “A Lender’s Guide: Informed Margin Management”
- Curinos Perspective: Latest Fed Hikes Comes As Rates, Behavior Start to Shift
- Curinos Perspective: Liftoff! Fed Raises Rates
- Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways
- Curinos Perspective: Optimizing The Network In A High-Rate Environment – 5 Takeaways
- Curinos Perspective: Personalization – Channel Preferences Change Based On Context And Stage Of Journey
- Curinos Perspective: Precision Pricing In Small Business Lending
- Curinos Perspective: Reducing Consumer Deposit Interest Expense – 5 Takeaways
- Curinos Perspective: Takeaways from Curinos’ Retail Deposit Optimizer Forum
- Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications
- Curinos Perspective: The 4 Most Crucial Drivers of Growth in 2025 – 5 Takeaways
- Curinos Perspective: The Fed Cranks Up the Dial
- Curinos Perspective: The Fed Goes Big
- Curinos Perspective: The Fed is Back in
Action—3 Cuts Now Expected This Year - Curinos Perspective: The FOMC has Given Notice: Time to Prepare for Falling Rates
- Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau
- Curinos Perspective: Top Takeaways – Creating A Winning Deposit Strategy in 2024
- Curinos Perspective: Top Takeaways – Curinos Small Business Webinar
- Curinos Perspective: Using Deposit Optimizer Basics To Optimize Deposits in Any Rate Environment – 5 Takeaways
- Curinos Perspective: What Other Banks Can Learn From Chase’s Branch Expansion
- Curinos’ 2025 Retail Deposit Optimizer Forum—5 Takeaways
- Customer-Centered Banking: AI as the New Operating Model
- Finding a Lane and Shifting into the Growth Gear
- Greater Profitability In 2025 And Beyond:
5 Challenges and 5 Responses - Growing Profitably When the Market Won’t Sit Still – 7 Takeaways
- Home Equity Lending
2015 vs. 2025—5 Takeaways - Home Equity Lending:
Data and Insights – 5 Takeaways - How to Lower Rates Without Losing Deposits:
5 Keys to Market Success - Let’s Find LTV Growth! – 5 Takeaways
- Real-Time Interaction Management:
Bank Marketing’s New Imperative - Retail Deposits: How to Lower Rates Without Losing Deposits—5 Takeaways
- Stablecoin: The Next Big Thing,
or a Hammer in Search of a Nail? - The Evolution of Marketing Decision Making: From Gut Instinct to AI Intelligence
- The Stages of AI Maturity in Banking and the Fork in the Road—From Pilots to Performance
- Three Demographic Shifts That Will Change Banking, and Society
- UK Car and Home Insurance: A Market in Flux
- UK Small Business: Is Retail Banking’s Latest Darling Showing Signs of Infidelity?
- Where Should Enrollment Sit in Onboarding?
- You Get What You Measure: 5 Takeaways
Curinos Review
- 2024: The Year Of The Liquidity Manager
- A Challenging “New Normal” Ahead for Retail Deposits
- A Look At Home Equity
- A Message For The C-Suite
- Actionable Decision Intelligence in Banking: 3 Need-to-Know Accelerating Trends in AI
- Activating Customer Engagement in Banking’s Era of Resonance
- Advanced Deposit Pricing Is Critical For Smaller Institutions
- Advanced Features Help Drive Mobile Engagement
- As Small Business Potential Increases, Banks Emphasize Maturity in Their Delivery
- Attract the Affluent? It Takes More than Rate
- Bank M&A: Forget Much Of What You Think You Know
- Bank Securities Portfolios: A Growing Threat To Financial Results
- Breaking Down Barriers To Reach A Wider Set Of Customers
- Buckle Up: This Cycle Isn’t for the Faint of Heart
- Buy Now, Pay Later: Opportunity or Headache?
- Capturing The Next Generation Means Engaging Them Now
- Charting a Course to Profitable Balance Sheet Growth
- Commercial Deposits On The Front Line Of The Profitability Squeeze
- Commercial Primacy Comes into Focus as Higher Rates Loom
- Commercial: How To Deal With Declining NIB Deposits
- Competition Drives Overdraft Overhaul
- Core Deposits Needed: Build Branches Or Close Them?
- Corporates To Banks: Help Us With Forecasting
- Credit Union M&A Requires Intensive Deposit Due Diligence
- Curinos Review
- Curinos Review Fall 2022
- Curinos Review Fall 2023
- Curinos Review Fall 2025
- Curinos Review Spring 2022
- Curinos Review Spring 2023
- Curinos Review Spring 2024
- Curinos Review Spring 2025
- Curinos Review Summer 2022
- Curinos Review Summer 2023
- Curinos Review Summer 2024
- Curinos Review Summer 2025
- Curinos Review Winter 2021
- Curinos Review Winter 2022
- Curinos Review Winter 2024
- Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential
- Déjà Vu or Start of a Normal Rate Cycle? Cutting Through Noise to Act Fast
- Deposit Behavior Can Predict HELOC Utilization
- Deposit Download
- Deposits In ’24: It’s Gonna Cost You
- Fee Changes Require New Approach To Serving Mass Market
- Financial-Services Marketers Face Unique Hurdles in Adopting AI-Driven Automation
- Five Ways to Benefit from a Home Equity Comeback
- Five Ways to Pump Up ROI with AI Marketing Technology
- For Profitable Growth in Commercial, Focus on Mix
- Four Things That Need To Be In Every Marketer’s Strategic Plan
- From Journeys to Intelligence: Why the Future of Bank Marketing Depends on Learning Systems
- Funds Transfer Pricing Is Becoming More Customer-Centric
- Getting Ready for a Comeback in Home Equity
- Has The Fintech Shake-Out Begun?
- Hello To 2023!
- Higher Rates Push Banks To Draft A CD Maturity Playbook
- Home Equity is on the Move
- Home Lending: How To Best Position For A Bounce-Back
- Home-Lending Update: How To Strive Till ’25
- How to Acquire (and Retain) Good Retail Customers in Digital Channels
- How To Bring An Open Mind To Open Banking
- How To Build Banking Relationships Through Personalization? Ditch The Retail Playbook
- How To Capture Episodic Rate Shoppers
- How To Create A Green Future
- How to Improve Productivity at the Branch
- How to Manage A Recession – Or Worse
- How to Manage Customer Churn
- How To Manage Deposits If No Fed Rate Cuts Until Next Year
- How to Manage Wealth Customers As Rates Rise
- How to Support Small Business Lending in a Time of Economic Uncertainty
- How UK Banks Look to Charm the Affluent
- Invest A Small Amount In Non-Interest Expense, Save Big On Interest Expense
- Is Your Acquisition Journey Throwing Away Good Leads?
- Is Your Bank Ready for Higher Rates?
- It May Be Time To Reassess Your Thin Network
- Letter To Lenders: Don’t Overlook Unsecured Lending
- Making the Most of M&A
- Marketing (Digital And Mail-Based) Is Making Its Mark
- Marketing Can Power More Than Just Retail
- Mass Market Vs. Mass Affluent: A Data-Driven Primer
- Mass Market: How To Make Up For Flagging Economics
- More Mortgage Malaise, Higher Hopes For Home Equity
- More Than Ever, Deposits Are Key To Profitability
- Open for Business: How to Benefit from Open Banking Around the World
- Optimizing The Branch Network: From Divesting To Investing
- Peak Uncertainty Requires Peak Readiness. How Prepared Is Your Deposits Strategy?
- Pick Your Spot in Treasury Management
- Preserve Margins By Managing Expenses
- Prime Your Bank for Primary Retail Deposit Customers
- Product Innovation is Key Driver for 2022
- Profits Are Challenged. Cultivating Relationships Can Help.
- Raising Meaningful Deposits In 2024: Buy Or Build?
- Rate Revival
- Real Ways AI is Boosting Return on Marketing Investment
- Realizing The Promise Of Generative AI
- Retail Banks Aim To Pump Up Digital Account-Opening
- Section 1071 For Small Business Lending: Are You Ready?
- Shopper Survey Findings Reveal that Banks Need to Adapt
- Shorter Deposit Life: Another Wrinkle for Treasury
- Small Businesses Offer A Clear Profitability Upside For Banks
- The (Multi-)Trillion Dollar Question: Will Stablecoin Decimate the Deposit Market?
- The Abundant Opportunities To Serve Canada’s Small Businesses
- The Big Opportunities in Serving Small Business
- The Challenge Of Managing Net Interest Margins
- The Changing Economics Of Mass-Market Banking
- The Digital Transition
- The Digital Transition in Commercial Banking
- The Evolution of Business Banking
- The Importance of Deposit Due Diligence As Rates Start to Rise
- The Long-term Appeal of Short-term Liquidity
- The Moat You Thought You Had? It’s Been Breached
- The Need for Speed
- The New Growth Paradigm
in Commercial Banking - The Six Opportunities As Rates Rise
- The Surge Recedes: Where U.S. Deposit Levels May Be Headed From Here
- Thinking Beyond Rate To Get And Keep Wealth Deposits
- TM Services: Driving Value in Any Rate Cycle
- Treasury Needs More And Better Data To Manage Falling Rates
- U.K. Consumers To Investment Providers: Don’t Make It So Hard
- Universal Bankers: Necessary but Insufficient, at Least So Far
- Unsecured Segment Drives Surge in Small-Business Loans
- Want Meaningful Customer Growth?
Fire Up the Activation Engine - Wealth Customers Won’t Wait Around
- Wealth Deposits: Instability Grows. What Does The Future Hold?
- Wealth: How To Prepare For A Digital-First Future
- What’s Next in the Home Equity Comeback?
- Why You Should Invest in Your Branch Workforce
- Your Branch Network: After a Time of Reaping, It May Now Be a Time to Sow
Events
Experience Counts
- Bots Take Over And Commercial Banks Go Niche
- Card Controls, Robo Advisors And Carbon Trackers
- Credit Card Providers Looking To Cryptos
- Credit Card Providers Must Speak To Gen Z
- Crisis Support: Providers Look To Mitigate Cost-Of-Living Pains
- Downturn Prompts Digital Investment Upgrades
- Product discovery: Does your bank offer too much?
- Providers Must Put A Positive Spin On Savings
- Providers Revamp In-App Internal Transfers
- Savings Providers Should Look To Play To Strengths
- Spend Categorization And Account Deletion Requirement
- UK’s Consumer Duty Goes Live As FIs Reaffirm Integrity Of User Needs
- Wallets, Credit Card Integrations And Optimizing Small Business Banking
Insights
- 1071 For Small Business Lending: Are You Ready?
- 2023 Curinos CMO Summit
- 2024 Curinos CMO Summit
- 2024 Deposit Growth May Not Meet Expectations
- 2024 Home Equity Summit – Key Takeaways
- 2024 Outlook: Three Things Home Equity Lenders Should Know Now
- 2024 TM Pricing Outlook: Exception Pricing Gains
- 2024: The Year Of The Liquidity Manager
- 5 Strategies For Reducing Consumer Deposit Interest Expense
- 5 Takeaways from “Expanding into New Markets”
- A Better Return on Cash Sweeps?
Think of Them as Deposits - A Challenging “New Normal” Ahead for Retail Deposits
- A Chatbot-First Approach
Relies on Relationship Data - A Fed Plateau Won’t Provide Deposit Relief, But Personalized Customer Level Treatments Can
- A Lender’s Guide To Informed Margin Management
- A Look At Home Equity
- A Message For The C-Suite
- A New Kind of CRM:
Using Data to Optimize In-Branch Activities - A Preview Of The Coming CD Renewal Surge
- A Relationship with a Small Business
Calls for Commitment - A Winning Strategy For “Win-Back” Campaigns
- According To The Data
- Actionable Decision Intelligence in Banking: 3 Need-to-Know Accelerating Trends in AI
- Activating Customer Engagement in Banking’s Era of Resonance
- Add to Deposits? Maybe Better to Deepen the Relationship through Unsecured Lending
- Advanced Deposit Pricing Is Critical For Smaller Institutions
- Advanced Features Help Drive Mobile Engagement
- AI Allows Marketers to Shift From Execution to Strategy
- AI Enablement in Banking Means Balancing Innovation and Responsibility
- AI helps banks drive engagement
- AI-Powered Personalization Can Help Sustain Marketing Lift
- AI’s Value Prop: A Cheaper Path To Customer Primacy
- Amid a Sea of TM Service Codes, Focus on the Ones that Matter
- Amid Turmoil, Reassurance is Crucial
- Among Wealth Clients, CDs Have Their Limits
- An Update: Competition Drives Overdraft Disruption
- Appetite for Core Customer Growth Accelerates De Novo Investment in Thinly Branched Markets
- Are You Encouraging Healthy
Payments Activity? - Are You Revolut-ionary About Savings?
- Are Your Propensity Models Compromised By Outlier Leakage?
- ARMs Are Back! Flexible and Affordable
- As CDs Come To Term, What Are You Doing About Flight Risks?
- As Rates Fall, Back Books Will Block Expense Relief
- As Small Business Potential Increases, Banks Emphasize Maturity in Their Delivery
- Attract the Affluent? It Takes More than Rate
- Attribution is Broken. Today, Marketers Need to Look to Customer Decisioning.
- Balance Headwinds Continue
- Bank M&A: Forget Much Of What You Think You Know
- Bank Securities Portfolios: A Growing Threat To Financial Results
- Banking in 2026: Growing Profitably When the Market Won’t Sit Still
- Banks Add Tools and Support to Help Customers Cope
- Banks Boost Subscription-Management Services
- Banks May Have Turned The Tide On Commercial Outflows
- Banks Raise Rates In Effort To Reduce Churn
- Betas for This Falling Rate Cycle Will be Different
- Better Wealth Retention Starts With Checking
- Boost Branch Performance? Make It Opportunity-Based.
- Boost Your Fee Income? Look to Digital Payments.
- Bots Take Over And Commercial Banks Go Niche
- Branch Count Continues Downward, But At A Slower Pace
- Breaking Down Barriers To Reach A Wider Set Of Customers
- Bringing AI to the Onboarding Process
- Brokerage Cash Sweeps:
No Longer Just the Leftovers - Buckle Up: This Cycle Isn’t for the Faint of Heart
- Building Your Onboarding Experience with Dynamic Creative Optimization
- Business Payments, Now Mostly Through Cards, Are Going Virtual
- Buy Now, Pay Later: Opportunity or Headache?
- Canadian Consumer Banking Behaviour | Branch Usage Stable, but Low
- Capturing The Next Generation Means Engaging Them Now
- Card Controls, Robo Advisors And Carbon Trackers
- Cash Sweeps Likely to Continue to Benefit from Declining Rates
- Cash Sweeps: What Broker-Dealers Need to Consider
- Caution, CD Bubble Ahead: 3 Ways AI-enabled Marketing Can Help
- Caution: Consumer CD Renewal Bubbles Ahead
- Caution: Wealth CD Maturities Ahead
- CBA LIVE 2022 Presentations
- CBA LIVE 2023 Presentations
- CBA LIVE 2024 Presentations
- CBA LIVE 2025 Presentations
- CBA Webinar – The Customer Deepening Imperative
- CD Growth Still Strong, But Trend Line Has Gone Flat
- CD Money in Motion Continues to Decline
- CD Renewals: Managing The Coming Expense Wave
- CDs Are Increasingly Looked to for Both Offense and Defense
- CECL Central
- Centralized Workstations Set To Grow In 2023
- Challenge for 2024: Protecting Profitability Amid Low Margins
- Channel Preferences Depend On Context And Stage Of Journey
- Charting a Course to Profitable Balance Sheet Growth
- Chatbots Showing Signs Of Becoming Main Banking Engagement Tool
- Clear Routes To Action Can Drive CD Renewals To Digital
- Commercial Balance Levels Stabilize, But Betas Continue To Rise
- Commercial Banking: How to Capitalize on this Year’s Growth Opportunity-5 Takeaways
- Commercial CDA Executive Summary
- Commercial Deposit Alert: Four Ways To Prepare For Falling Rates
- Commercial Deposit Balances Stabilized In The Third Quarter
- Commercial Deposits On The Front Line Of The Profitability Squeeze
- Commercial Deposits: Market Disruption Means Heated Competition
- Commercial Liquidity Shows A Fast And Furious Start To 2023
- Commercial Primacy Comes into Focus as Higher Rates Loom
- Commercial Profitability Hinges on Getting Deposit and Fee Pricing Right
- Commercial: Falling Rates Won’t Stop Deposit Flow To IB
- Commercial: How To Deal With Declining NIB Deposits
- Commercializing digital: Helping customers reach their goals
- Competition Drives Overdraft Disruption
- Competition Drives Overdraft Overhaul
- Competition for Deposits Has Slowed Branch Closings, For Now
- Consumer Credit & Access to Cash Webinar
- Consumer Deposits: Greater Uncertainty Means Slower Growth
- Consumer Lending in Transition: The Impact of Falling Rates
- Consumer-Deposit Alert: Money In Motion Is In Decline
- Content Library Best Practices For Personalized Marketing
- Contextual Engagement Requires Better Use of Data and AI
- Core Deposits Needed: Build Branches Or Close Them?
- Corporates To Banks: Help Us With Forecasting
- CPAs Continue To Soar
- Cracking the Code on Digital Empathy
- Creating A Winning Deposit Strategy In 2024
- Creating Better Friction For P2P Payments
- Creating the Banker of the Future
- Credit Card Providers Looking To Cryptos
- Credit Card Providers Must Speak To Gen Z
- Credit Cards: 8 Best Mobile App Features
- Credit Cards: 8 Onboarding Features you can Adopt, with Examples from Leading Providers
- Credit Union M&A Requires Intensive Deposit Due Diligence
- Credit Unions at the Crossroads in 2022
- Credit Unions of the Future
- Crisis Support: Providers Look To Mitigate Cost-Of-Living Pains
- Curinos 2025 Commercial & Wealth Summit – 7 Takeaways
- Curinos 2025 Home Equity Summit – 7 Takeaways
- Curinos 360: The Lending Roundup Presentation
- Curinos 360: The Lending Roundup Webinar
- Curinos Banking Playbook: How to Navigate a Rising Rate Environment
- Curinos Perspective
- Curinos Perspective:
Curinos at CBA LIVE 2025 – 7 Takeaways - Curinos Perspective:
Strategic Retail Planning – 5 Takeaways - Curinos Perspective: 5 Takeaways – AI’s Edge For Personalization
- Curinos Perspective: 5 Takeaways – Untapped Potential In Your Network
- Curinos Perspective: 5 Takeaways from “2024 Outlook: Three Things Home Equity Lenders Should Know Now”
- Curinos Perspective: 5 Takeaways From “Unlocking Digital Success”
- Curinos Perspective: 5 Takeaways On Strategies For Realizing HELOC Balance Growth
- Curinos Perspective: 5 Takeaways On Using Analytics To Create An Effective Deposit Strategy
- Curinos Perspective: 7 Takeaways – Digital Origination And Onboarding
- Curinos Perspective: 7 Takeaways from “The Year Ahead: Planning For Success In 2024”
- Curinos Perspective: 7 Takeaways From CBA LIVE 2024
- Curinos Perspective: AB Small Biz Banking 2023 Conference – 5 Takeaways
- Curinos Perspective: As Expected, the Fed Cuts Another 25 bp
- Curinos Perspective: As Fed Hikes Again, Rate and Behavior Begin to Thaw
- Curinos Perspective: Bank of Canada Hikes Rates. Will a Deposit Scramble Be Next?
- Curinos Perspective: Benchmark Digital Onboarding To Gain In Customer Acquisition
- Curinos Perspective: BoE Hikes Rates, But Will Banks Follow?
- Curinos Perspective: Can In-App Payments Be Made More Secure From Fraud?
- Curinos Perspective: Churn, Betas Heat Up As Rates Move Higher
- Curinos Perspective: Competitive Forces Are Driving Different Decisions About Networks
- Curinos Perspective: Deposit WAL – A Key Measure To Gauge Interest Rate Risk
- Curinos Perspective: Does Free Banking Have A Future?
- Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives
- Curinos Perspective: Fed Cuts Another 25 bp, but FOMC Members See Wide Range of Paths Ahead
- Curinos Perspective: Fed Hikes Again – Implications For A Potential Plateau
- Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer
- Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue
- Curinos Perspective: Fed Keeps Rates Steady, But Get Ready for Them to Rise
- Curinos Perspective: Fed Keeps Up The Fight Against Inflation Amid Banking Sector Uncertainty
- Curinos Perspective: Fed Pauses, But What Lies Ahead Is Less Clear
- Curinos Perspective: Fed Plateau Possibly On The Horizon – What To Know
- Curinos Perspective: Fed’s Battle with Inflation Moves to a New Phase
- Curinos Perspective: FIs Have Two Options Under CFPB’s Overdraft Proposal
- Curinos Perspective: Five Key Takeaways From Curinos’ Retail Deposit Optimizer Client Forum
- Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer
- Curinos Perspective: How Deposit Optimization Can Drive Profitability
- Curinos Perspective: How High Will We Go?
- Curinos Perspective: How To Grow Deposits With Wealth Clients
- Curinos Perspective: How To Win In Small Business – 5 Takeaways
- Curinos Perspective: Impact of Falling Rates on Consumer Lending – 5 Takeaways
- Curinos Perspective: Key Considerations Amid Industry Disruption
- Curinos Perspective: Key Takeaways From “A Lender’s Guide: Informed Margin Management”
- Curinos Perspective: Latest Fed Hikes Comes As Rates, Behavior Start to Shift
- Curinos Perspective: Liftoff! Fed Raises Rates
- Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways
- Curinos Perspective: Optimizing The Network In A High-Rate Environment – 5 Takeaways
- Curinos Perspective: Personalization – Channel Preferences Change Based On Context And Stage Of Journey
- Curinos Perspective: Precision Pricing In Small Business Lending
- Curinos Perspective: Reducing Consumer Deposit Interest Expense – 5 Takeaways
- Curinos Perspective: Takeaways from Curinos’ Retail Deposit Optimizer Forum
- Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications
- Curinos Perspective: The 4 Most Crucial Drivers of Growth in 2025 – 5 Takeaways
- Curinos Perspective: The Fed Cranks Up the Dial
- Curinos Perspective: The Fed Goes Big
- Curinos Perspective: The Fed is Back in
Action—3 Cuts Now Expected This Year - Curinos Perspective: The FOMC has Given Notice: Time to Prepare for Falling Rates
- Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau
- Curinos Perspective: Top Takeaways – Creating A Winning Deposit Strategy in 2024
- Curinos Perspective: Top Takeaways – Curinos Small Business Webinar
- Curinos Perspective: Using Deposit Optimizer Basics To Optimize Deposits in Any Rate Environment – 5 Takeaways
- Curinos Perspective: What Other Banks Can Learn From Chase’s Branch Expansion
- Curinos Retail Deposit Optimizer Client Forum
- Curinos Review
- Curinos Review Fall 2022
- Curinos Review Fall 2023
- Curinos Review Fall 2025
- Curinos Review Spring 2022
- Curinos Review Spring 2023
- Curinos Review Spring 2024
- Curinos Review Spring 2025
- Curinos Review Summer 2022
- Curinos Review Summer 2023
- Curinos Review Summer 2024
- Curinos Review Summer 2025
- Curinos Review Winter 2021
- Curinos Review Winter 2022
- Curinos Review Winter 2024
- Curinos’ 2022 Banking Outlook: Re-Examining Conventional Wisdom to Meet Customer Expectations
- Curinos’ 2025 Retail Deposit Optimizer Forum—5 Takeaways
- Curinos’ Flow of Funds Dashboard Shows Commercial Balances are Eroding
- Customer Needs Will Be Critical As Deposit Betas Accelerate
- Customer Segmentation – The Key To Deposit Pricing
- Customer-Centered Banking: AI as the New Operating Model
- DAF Levels Are Down. What Can Be Done?
- Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential
- Dating the Right Customers: Driving Profitable Demand Deposit Acquisition Growth
- Decision Intelligence: The Deposit Growth Gap Isn’t A Marketing Problem
- Defining Personalization Is The First Step Toward Greater Adoption
- Déjà Vu or Start of a Normal Rate Cycle? Cutting Through Noise to Act Fast
- Deposit & Payments Forum – An Economic Outlook For Deposits
- Deposit Acquisition Costs: Finding The Right Balance For Success
- Deposit Balances Rebound as Post-Covid “Revenge Spending” Dissipates
- Deposit Behavior Can Predict HELOC Utilization
- Deposit Costs: Finding The Right Balance For Small Business Success
- Deposit Download
- Deposit Growth & Retention Strategies In A Flat And Falling Rate Environment
- Deposit Rate Report Overview
- Deposit Rate Sample Report
- Deposit Update: Nominal Growth In 2024 If Fed Can Cut
- Deposits & Payments: Deposit Whiplash
- Deposits In ’24: It’s Gonna Cost You
- Despite Lower Rates, Competition for Commercial IB Deposits Remains Intense
- Digital Channels Forum – Growing Shift in Digital Acquisitions & Onboarding
- Digital Delivery, Analytics Are Transforming Financial Advice
- Digital Insights For Community Institutions: Navigating 2024 And Beyond
- Digital Low-Fund Alerts Can
Lead to Better Retention - Digital Trends – What Canada Can Learn From The U.K.
- Digital Wallets: For Many, Becoming The Preferred Way To Spend
- Do you have Aspirations of increasing revenue, while saving the planet?
- Downturn Prompts Digital Investment Upgrades
- Driving Customer Growth Through Strategic Retail Planning
- Earnings Credit Rates Are Finally Moving Up
- ECR Balances Have Been A Boon So Far, But Keeping Them Is Getting Harder
- Effective Margin Management: Check Your Pricing Competitiveness
- Elevate Digital Onboarding? Remove ID And Verification Frictions.
- Email Marketing from the Frontlines
- Emerging Solutions in Home Equity – Title, Settlement and Closing
- Empower Marketing Incentives With AI
- Ensuring Travel Card Reward Schemes remain relevant during the pandemic
- Evolving Entrants in the Home Equity Market
- Exception Pricing: In Wealth, More The Rule Than The Exception
- Expanding into New Markets: Strategies for Growth and Optimization
- Expectations for 2026: CDs Remain Here to Stay
- Experience Counts
- Falling CD Rates? Whew! Well, Maybe Not.
- Falling Refi Rates Are Driving Demand and Elevated Application Pull-Through
- FBX of Informa Financial Intelligence and Novantas Announce Name of New Business
- FCA to overturn 90-day Open Banking quagmire
- Fed’s First Big Cut Means (Surprise!) a Big Gain for CDs
- Federal Reserve Set To Join Parade Of Real-Time Payments Providers
- Fee Changes Require New Approach To Serving Mass Market
- FHA Rates Are Attracting Higher-Quality Borrowers
- Financial-Services Marketers Face Unique Hurdles in Adopting AI-Driven Automation
- Finding a Lane and Shifting into the Growth Gear
- Fintechs Continue to Lead in New Banking Relationships – 3 Key Implications
- First-Time Homebuyers Are Reshaping The Market
- FIs Redefine What Banking
Means to the Affluent - Five Key Takeaways from Curinos’ CMO Summit
- Five Takeaways From Bank Earnings Season
- Five Ways to Benefit from a Home Equity Comeback
- Five Ways to Pump Up ROI with AI Marketing Technology
- For CD Renewals, Job 1 Is “Don’t Overpay”
- For Mortgage Portfolio Lending, A Barbell Effect Is In “Overdrive”
- For Profitable Growth in Commercial, Focus on Mix
- Forecasting Deposit Growth: Combining Macro With Your Bank’s Behaviors
- Four Key Issues Facing Chief Marketing Officers This Planning Season
- Four Things That Need To Be In Every Marketer’s Strategic Plan
- From Journeys to Intelligence: Why the Future of Bank Marketing Depends on Learning Systems
- Funds Transfer Pricing Is Becoming More Customer-Centric
- General Insurance Pricing Practices
- Generative AI for Executives: Instant Insight, Zero Noise
- Getting Ready for a Comeback in Home Equity
- Good News for Home Equity: Strong Growth Expected in 2026
- Good News: Strong Home Equity Growth Ahead in 2025 (Moderate Gains in 2026)
- Greater Profitability In 2025 And Beyond:
5 Challenges and 5 Responses - Greater Profitability in 2025 and Beyond: Ingredients for Success
- Grow Funding? Look To Your Differences By Market.
- Growing Deposits Is Getting More Expensive Across The Board
- Growing Pains for Customer Relationships
- Growing Profitably When the Market Won’t Sit Still – 7 Takeaways
- Growth of Government-Insured Mortgages
- H1 2025 Consumer Deposit Growth in Review: Downshifted & Dispersed
- Harnessing The 4 Most Crucial Drivers Of Growth In 2025
- Has The Fintech Shake-Out Begun?
- Hello To 2023!
- HELOC Balance Growth Can Be Achieved! Is Your Growth Strategy Working?
- High Deposit Costs Highlight Need To Optimize Pricing
- High Volumes of CDs Will
Continue to Mature in 2025 - High-Rate CD Attrition May Be Signaling What’s to Come
- Higher Rates Push Banks To Draft A CD Maturity Playbook
- Higher Rates Reinforce Value Of Treasury Management Fundamentals
- Higher-For-Longer Rates Complicate Once-Easy Decisions On Branch Closures
- Home Equity – On the Move in 2022
- Home Equity is on the Move
- Home Equity Is Positioned For A Rebound
- Home Equity Lending
2015 vs. 2025—5 Takeaways - Home Equity Lending in Focus: Data-Driven Strategies for Modern Markets
- Home Equity Lending:
Data and Insights – 5 Takeaways - Home Equity Lending: 2015 vs. 2025 – A Decade of Evolution, Déjà Vu or Stagnation?
- Home Equity’s Next Chapter: Resilient Growth and a Race Toward Efficiency
- Home Equity’s Trend Toward Digital Will Only Get Stronger
- Home Lending: Don’t Discount the Buydown
- Home Lending: How To Best Position For A Bounce-Back
- Home-Lending Update: How To Strive Till ’25
- Housing Values Soar. So Do Property Taxes.
- How Agile Deposit Promotions Will Help You Navigate Market Uncertainty Webinar
- How Are Consumers Responding to Higher Interest Rates?
- How Corporate Treasurers Use Money Market Funds, And How Banks Can Respond
- How Credit Unions Can Meet Their Deposit Targets
- How Does Branch Consolidation Affect Your Results?
- How Essential Analytics Can Drive An Effective Deposit Strategy
- How Low Can You Grow? Raising Deposits Shouldn’t Break the Bank…or CU
- How Optimized Checking Account Origination Can Create Relationship Primacy
- How to Acquire (and Retain) Good Retail Customers in Digital Channels
- How To Bring An Open Mind To Open Banking
- How To Build Banking Relationships Through Personalization? Ditch The Retail Playbook
- How To Capture Episodic Rate Shoppers
- How To Create A Green Future
- How to Improve Productivity at the Branch
- How to Lower Rates Without Losing Deposits:
5 Keys to Market Success - How to Manage A Recession – Or Worse
- How to Manage Customer Churn
- How To Manage Deposits If No Fed Rate Cuts Until Next Year
- How to Manage Wealth Customers As Rates Rise
- How to Maximize Lifetime Value and Shorten Payback
- How to Optimize Down-Pricing in a Falling Rate Environment
- How to Support Small Business Lending in a Time of Economic Uncertainty
- How to Transform Your Home Loan Product Solutions
- How to Win in Small Business
- How UK Banks Look to Charm the Affluent
- How’s Your Omnichannel Strategy?
- ID Scan Prefill Cuts Onboarding
Friction by 15 Points - Improve Checking Customer Acquisition
with a Data-Driven Approach - In Gaining Primary Relationships,
Bank Types Vary Considerably - In Their Digital Experiences, Nextgen Users Want Both Aesthetics And Practicality
- In Unsecured Lending, Speed Can Mean Higher Profits
- Influencing Interest Expense In The Banking Sector
- Innovators Push Funding Of New Digital Accounts
- Integrated data: Digital investment challengers advance financial planning services
- Introducing the Overdraft Q&A Series
- Invest A Small Amount In Non-Interest Expense, Save Big On Interest Expense
- Is Your Acquisition Journey Throwing Away Good Leads?
- Is Your Bank Ready for Higher Rates?
- It May Be Time To Reassess Your Thin Network
- It’s Go Time for Commercial Banking: Are you ready?
- Keys to Success for Effective Personalization
- Last Year’s High-Rate CDs Are Coming Home To Roost
- Lending Affordability Strategy?
You Can’t Afford Not to Have One. - Lending Inflection Point: Are Lenders Poised for a Resurgence of the Home Equity Market?
- Let’s Find LTV Growth! – 5 Takeaways
- Letter To Lenders: Don’t Overlook Unsecured Lending
- LMI Lending: Considerations For Success
- Looking to Retain More Wealth Deposits? Focus on Checking
- Lower Rates Are Prompting Changes
To Mortgage Servicing - Making Relationship Data Actionable to Grow Revenue for Small Business Sales Managers
- Making the Most of M&A
- Managing Mortgage Lending Cycles
- Managing Wealth Beta Requires the Right Analytics
- Market Disruption Heats Up Competition For Commercial Deposits
- Marketers Feel Cost Squeeze With Soft Landing Ahead
- Marketers Must Speak In Many Tones
- Marketing (Digital And Mail-Based) Is Making Its Mark
- Marketing Can Power More Than Just Retail
- Marketing Matters
- Marketing Plans 2024: Pricing, Costs And Relationships
- Marketing Should Lead Your Bank’s Personalization Efforts
- Marketing’s Role in Turning Dormancy to Primacy: Lift Checking Utilization Message CTR by 450%
- Mass Affluent: Big Opportunity, But At A Cost
- Mass Market Vs. Mass Affluent: A Data-Driven Primer
- Mass Market: How To Make Up For Flagging Economics
- Maximizing Treasury Management Fee Revenue In 2023 (And Beyond)
- MBCA CFO Conference
- Measure Your Way to More Primary Customers
- Memo To Marketers: Treat Your Budget Like An Investment Fund
- More M&A on the Horizon?
Here’s How to Moderate Potential Damage - More Mortgage Malaise, Higher Hopes For Home Equity
- More Than Ever, Deposits Are Key To Profitability
- Mortgage Hot Topics by Curinos
- Mortgage Lending: Is Today’s Emphasis on Credit Quality Overlooking Opportunity?
- Mortgage Servicing Rights: What Lenders Need to Know Now
- Mortgage Upheaval Prompts Some Buyers To Pounce
- Mortgage Volumes Fall And Margins Tighten As Rates Tick Up
- Mortgages: The 5 Digital Ingredients for a better pre-qualification journey
- Navigating Rising Rates: Q&A session
- Network Optimization In A High-Rate Environment
- Network Optimization: How Many Banks are Winning
- Network Optimization: Moving from a Hatchet to a Scalpel Webinar
- New Primary Relationships At Fintechs Are Surging
- New U.S. Shopper Survey: Digital Delivery Is Top Consumer Preference
- New-to-Bank Checking: Quantity At Odds With Quality
- November MBS Rally Is Helpful, But Not Enough
- Now May Be The Time For A Brand Refresh
- Onboarding wars: Retail banks aim to refine account opening processes
- Open for Business: How to Benefit from Open Banking Around the World
- Opportunity Lost: Retail Sales Underperformance
- Optimizing The Branch Network: From Divesting To Investing
- Overcoming Potential Obstacles To Commercial Onboarding
- Overdraft Innovations Speed Disruption of Checking
- Overdraft Q&A Series: Do I need to take action now?
- Overdraft Q&A Series: How does regulatory pressure impact banks and credit unions?
- Overdraft Q&A Series: What is the industry climate?
- Overdraft Q&A Series: What should banks and credit unions do in the face of regulatory pressure?
- Payments: What The Continuing Migration To Digital May Mean
- Peak Uncertainty Requires Peak Readiness. How Prepared Is Your Deposits Strategy?
- Personalization: Larger Banks Report Struggling To Get Their Data Right
- Personalization: Making The Shift From Volume To Value
- Pick Your Spot in Treasury Management
- Pillars of digital banking: Automation to personalize marketing
- Pillars of digital banking: Real-time payments stir innovation
- Preempting Conforming Home Loan Limits Can Boost Year-End Volume
- Prepare Now for Rising Rates Webinar
- Preserve Margins By Managing Expenses
- Pressure On Net TM Fees Is Mounting
- Price Is Driving Changing Dynamics In Portfolio Lending
- Pricing Is Driving TM Fee Growth, But We See Headwinds Ahead
- Prime Your Bank for Primary Retail Deposit Customers
- Priorities For Funds Transfer Pricing In Fast Times
- Prioritizing Personalization
- Product discovery: Does your bank offer too much?
- Product Fee Overview
- Product Fee Sample Report
- Product Innovation is Key Driver for 2022
- Profile: Webster Bank’s Purcell on helping customers look around corners
- Profitable Commercial Growth Can Hinge On The Right Client Mix
- Profits Are Challenged. Cultivating Relationships Can Help.
- Promotional Offers Are Spurring HELOC Utilization
- Prospects for progress in unsecured lending applications
- Providers Must Put A Positive Spin On Savings
- Providers Revamp In-App Internal Transfers
- Providers Tighten Security Amid Increased Fraud
- Proving (and Improving) your Institution’s Marketing ROI
- PSCU Member Forum Underscores the Accelerating Need to Innovate
- Q1 ‘24 Mortgage Trends Signal Continuing Resilience
- Q4 Mortgage Volume: Weak Overall, Worse For Banks And CUs
- Race to Quality: Rethinking Digital Onboarding
- Raising Meaningful Deposits In 2024: Buy Or Build?
- Rate Revival
- Rates and Economic Outlook
Spurring HELOC Growth - Rates Are Falling, And CDs Are Already Leading The Way
- Real Ways AI is Boosting Return on Marketing Investment
- Real-Time Interaction Management:
Bank Marketing’s New Imperative - Reality Sets In For Loan-To-Deposit Ratios
- Realizing The Promise Of Generative AI
- Regional Pricing: With the Game Changing, Time to Leverage WAMP
- Reimagining Branches: How to Adapt Your Goal Setting to a New Reality
- Retail Banks Aim To Pump Up Digital Account-Opening
- Retail Deposits: How to Lower Rates Without Losing Deposits—5 Takeaways
- Retail Deposits: More Aggressive Pricing Is Widening The Rate Gap Between Banks
- Retail Deposits: Stable, But More Competition Possible
- Revisiting Network Optimization As Economic Tides Shift
- Rising Excess ECR Poses Another Risk To NIB Deposits
- Rising Rates Are Transforming Commercial Deposit Economics
- Rising Rates: How to Navigate Deposit Runoff, Churn and Increasing Betas
- Rutger Responds
- Savings Marketing Spend – Trends And Analysis
- Savings Providers Should Look To Play To Strengths
- SBA Lending Halted as Government Shutdown Continues
- Seamless & Personalized: The AI Edge For Omnichannel Customer Engagement
- Section 1071 For Small Business Lending: Are You Ready?
- Seeds Of Disruption Lurk
- Shopper Survey Findings Reveal that Banks Need to Adapt
- Shorter Deposit Life: Another Wrinkle for Treasury
- Should Consumers Set Limits on Contactless Transactions?
- Slow & Steady: Fewer Banks Following the Fed’s Lead on Rates
- Small Business Banking: Are you Winning or Losing?
- Small Business Could Mean Big Opportunity
- Small Business Lending: Warning Signs of Credit Tightening?
- Small Business Loan Demand Remains Strong, Lenders Become More Efficient
- Small Business Market Update
- Small Business Market Update
- Small Business Needs Big Banking
- Small Business Needs Big Banking Webinar
- Small Business: Attractive for Deposits, but Getting More Competitive
- Small Businesses Offer A Clear Profitability Upside For Banks
- Spend Categorization And Account Deletion Requirement
- Stablecoin: The Next Big Thing,
or a Hammer in Search of a Nail? - Strategic Planning Masterclass for Data and Analytics
- Strategic Planning Masterclass for Marketing and Operations
- Strategic Planning Masterclass for Marketing Leaders
- Successful De Novo Branching
Calls for the Right Ingredients - Supermarket Banks: Opportunity for Some, Retreat for Others
- Sweeps Can No Longer
Be Swept Under The Rug - Target Regularity To Boost Customer Lifetime Value
- Targeting Affluent Consumers? You’re Not Alone
- The (Multi-)Trillion Dollar Question: Will Stablecoin Decimate the Deposit Market?
- The $900M Question: Have You Been Attracting New Dollars This Year?
- The Abundant Opportunities To Serve Canada’s Small Businesses
- The Affluent Strategy Arms Race: Why Not Everyone Can Win
- The BankTrends Bulletin: Volume I
- The Best Way To Boost Commercial Profits: Own The TM Relationship
- The Big Opportunities in Serving Small Business
- The CD Takes On New Life As Rates Rise
- The CECL Debate: SCALE Vs. WARM
- The Challenge Of Managing Net Interest Margins
- The Changing Economics Of Mass-Market Banking
- The Chrisman Commentary – Daily Mortgage News
- The Deposit Dilemma: Getting It Right In The Near Term
- The Deposit Dilemma: Investing For The Long Term
- The Digital Transition
- The Digital Transition in Commercial Banking
- The Evolution of Business Banking
- The Evolution of Marketing Decision Making: From Gut Instinct to AI Intelligence
- The Fintech Winter Has Given Way to Emergent Growth
- The Future is Here for Commercial and Small Business Transformation | What Leaders Need to Know in 2026
- The Graduation Effect: How to Unlock Long-Term Value from Today’s Customers
- The Importance Of Acting On Price Elasticity
- The Importance of Deposit Due Diligence As Rates Start to Rise
- The Increasing Criticality Of Agility
- The Key To Digital Retention? Early Funding
- The Lock-in Effect Spells Opportunity for Home Equity Lending
- The Long-term Appeal of Short-term Liquidity
- The Moat You Thought You Had? It’s Been Breached
- The Need For A Deposit Playbook
- The Need for Speed
- The New Growth Paradigm
in Commercial Banking - The Opportunity Banks Are Overlooking Isn’t Affluent — It’s Mass Market
- The Outlook for Home Equity Lending: Cautious Optimism
- The Right Commercial DDA Strategy Starts with the Right Line of Sight
- The Six Opportunities As Rates Rise
- The Stages of AI Maturity in Banking and the Fork in the Road—From Pilots to Performance
- The State of Wealth Deposits, Then and Now
- The Surge Recedes: Where U.S. Deposit Levels May Be Headed From Here
- The Year Ahead: How to Tackle the Challenges of 2023
- The Year Ahead: Planning For Success In 2024
- There’s High Repricing Risk In Those Low-Rate Balances
- Thinking Beyond Rate To Get And Keep Wealth Deposits
- This Month In Commercial Banking | Boost Competitiveness Amid Uncertainty
- This Month in Commercial Banking: Getting Ready
- This Month in Commercial Banking: How to Find (and Provide) Value When Rates Rise
- This Month in Commercial Banking: Managing the Business as Rates Rise
- This Month in Commercial Banking: Meeting Client Needs
- This Month in Commercial Banking: Primacy and Other Topics for 2022
- This Month in Commercial Banking: Rates, Deposits and APIs
- This Month in Commercial Banking: Rates, Digital Investment and Pricing
- This Month in Commercial Banking: Rising Rates and Headwinds?
- This Month in Commercial Banking: Staying Ahead
- This Month in Commercial Banking: Staying Focused As Rates Rise
- This Month in Commercial Banking: The Final Countdown
- This Month in Commercial Banking: The Latest on Rates, Pricing and More…
- This Month in Retail Banking | New Products, New Uncertainty
- This Month in Retail Banking: Customers Drive Industry Changes
- This Month in Retail Banking: Customers Wake Up
- This Month in Retail Banking: Fintech Shake-Up, Rates and Overdraft
- This Month in Retail Banking: Keeping Up with the World Around Us
- This Month in Retail Banking: Mixed Messages for Retail
- This Month in Retail Banking: Navigating Today’s Challenges
- This Month in Retail Banking: Setting a New Tone
- This Month in Retail Banking: Speeding Through the Year
- This Month in Retail Banking: Spending, Shopping and More
- This Month in Retail Banking: Supermarket Retreat, Mortgage
- This Month in Retail Banking: The Juggling Act
- This Month in Retail Banking: Thinking About 2023
- This Quarter in Canadian Banking: Branch Sales Recover From Pandemic, But Productivity Doesn’t
- This Quarter in Canadian Banking: Challenging Times
- This Quarter in Canadian Banking: Challenging Times
- Three Demographic Shifts That Will Change Banking, and Society
- Tips for a Successful Personalization Journey
- TM Fees: How High Can They Go?
- TM Investment: Running Fast But Standing Still
- TM Services: Driving Value in Any Rate Cycle
- To Gauge A Consumer’s Channel Preference, Consider The Entire Portfolio
- To Limit Deposit Costs, Look To Small Business
- To Make Small Business Profitable, Look at the Entire Relationship
- To Maximize CD Retention at the Right Price, Look to Segmentation
- Too Many Tellers Or Too Few Transactions? The Answer Is “Yes.”
- Treasury Analyzer
- Treasury Management Fees Post Modest Growth On Headwinds From Declines In Deposit Administration Fees (DAF)
- Treasury Management Pricing Events: Banks Remain Assertive
- Treasury Management Rides Pricing to Strongest Growth Since 2021
- Treasury Needs More And Better Data To Manage Falling Rates
- U.K. Consumers To Investment Providers: Don’t Make It So Hard
- UK Car and Home Insurance: A Market in Flux
- UK Digital Banking:
Today, It’s Got To Be About Engagement - UK Digital Insights Report
- UK Small Business: Is Retail Banking’s Latest Darling Showing Signs of Infidelity?
- UK: The Best Switching Offer Needs to Balance Volume and Value
- UK: Why Open Banking is Critical to Customer Growth in Direct-to-Consumer Investing
- UK’s Consumer Duty Goes Live As FIs Reaffirm Integrity Of User Needs
- Understanding And Managing Card Payment Costs
- Understanding Deposit Value in a Turbulent Rate and Macroeconomic Environment
- Universal Bankers: Necessary but Insufficient, at Least So Far
- Unleashing Growth Potential
in 2025 (we hope!) - Unlocking Digital Success: Insights from Community Financial Leaders
- Unsecured Segment Drives Surge in Small-Business Loans
- Untapped Potential In Your Branch Network
- Up for Debate: Home Equity vs. Unsecured Lending
- Using AI To Deepen Your Relationships
- Wallets, Credit Card Integrations And Optimizing Small Business Banking
- Want Meaningful Customer Growth?
Fire Up the Activation Engine - Want More Small Businesses? Be More Distinctive
- Want Small Business Deposits? Focus On Primacy
- Wealth Balances: The Higher You Climb,
the Harder You Fall? - Wealth Clients Were Late To The CD Party And Will Likely Leave Early
- Wealth Customers Won’t Wait Around
- Wealth Deposits: A Return to Normalcy after a Whipsaw 2023
- Wealth Deposits: Instability Grows. What Does The Future Hold?
- Wealth Deposits: Published Rates Remain Disconnected from Reality
- Wealth Savings: A Cautionary Lesson From The Last Time Rates Fell
- Wealth: How To Prepare For A Digital-First Future
- Weighted Average Pricing Can Mean Greater Mortgage-Market Precision
- What If You Could Increase
Bill Pay Activation by 64%? - What’s Next in the Home Equity Comeback?
- What’s the “Biz” in Small Business? Webinar
- When it Comes to Commercial Balances,
Think Small - Where Have All The Branch Closures Gone?
- Where Should Enrollment Sit in Onboarding?
- Which Customer is About to Leave?
Check the Relationship - Why Direct Deposit Indicators Can Mislead The Primacy Pursuit
- Why The U.K.’s Next Rising Rate Cycle Will Be Different
- Why You Should Invest in Your Branch Workforce
- Will 2022 Be A Year of Innovative Short-Term Liquidity Products?
- Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point
- Winter is around the corner, but CECL is getting WARMer
- With CD Rates Falling, High-Yield Savings Accounts Are the Big Winners
- With Deposit Growth Flat, Retention is Your Hidden Profit Center
- With Rates Set To Fall, So Too
Will Treasury Management Pricing - You Get What You Measure – Adjusting Prospecting KPIs for Success in the New Consumer Deposit Market
- You Get What You Measure: 5 Takeaways
- Your Branch Network: After a Time of Reaping, It May Now Be a Time to Sow
- Zelle® Usage Drives Customer Engagement
Mortgage Hot Topics
Overdraft Series
- An Update: Competition Drives Overdraft Disruption
- Introducing the Overdraft Q&A Series
- Overdraft Q&A Series: Do I need to take action now?
- Overdraft Q&A Series: How does regulatory pressure impact banks and credit unions?
- Overdraft Q&A Series: What is the industry climate?
- Overdraft Q&A Series: What should banks and credit unions do in the face of regulatory pressure?
Prioritizing Personalization
- Are Your Propensity Models Compromised By Outlier Leakage?
- Building Your Onboarding Experience with Dynamic Creative Optimization
- Content Library Best Practices For Personalized Marketing
- Cracking the Code on Digital Empathy
- Email Marketing from the Frontlines
- Empower Marketing Incentives With AI
- Keys to Success for Effective Personalization
- Race to Quality: Rethinking Digital Onboarding
- Tips for a Successful Personalization Journey
Reports
- Commercial CDA Executive Summary
- Competition Drives Overdraft Disruption
- General Insurance Pricing Practices
- MBCA CFO Conference
- Overdraft Innovations Speed Disruption of Checking
- Treasury Analyzer
- Understanding Deposit Value in a Turbulent Rate and Macroeconomic Environment
- Zelle® Usage Drives Customer Engagement
Sample Reports
This Month In Commercial Banking
- Balance Headwinds Continue
- Boost Your Fee Income? Look to Digital Payments.
- Business Payments, Now Mostly Through Cards, Are Going Virtual
- Centralized Workstations Set To Grow In 2023
- Challenge for 2024: Protecting Profitability Amid Low Margins
- Commercial Balance Levels Stabilize, But Betas Continue To Rise
- Commercial Deposit Balances Stabilized In The Third Quarter
- Commercial Deposits: Market Disruption Means Heated Competition
- Commercial Liquidity Shows A Fast And Furious Start To 2023
- ECR Balances Have Been A Boon So Far, But Keeping Them Is Getting Harder
- Federal Reserve Set To Join Parade Of Real-Time Payments Providers
- Higher Rates Reinforce Value Of Treasury Management Fundamentals
- How Corporate Treasurers Use Money Market Funds, And How Banks Can Respond
- Market Disruption Heats Up Competition For Commercial Deposits
- Maximizing Treasury Management Fee Revenue In 2023 (And Beyond)
- Overcoming Potential Obstacles To Commercial Onboarding
- Pressure On Net TM Fees Is Mounting
- Pricing Is Driving TM Fee Growth, But We See Headwinds Ahead
- Providers Tighten Security Amid Increased Fraud
- Rising Rates Are Transforming Commercial Deposit Economics
- This Month In Commercial Banking | Boost Competitiveness Amid Uncertainty
- This Month in Commercial Banking: Getting Ready
- This Month in Commercial Banking: How to Find (and Provide) Value When Rates Rise
- This Month in Commercial Banking: Managing the Business as Rates Rise
- This Month in Commercial Banking: Meeting Client Needs
- This Month in Commercial Banking: Primacy and Other Topics for 2022
- This Month in Commercial Banking: Rates, Deposits and APIs
- This Month in Commercial Banking: Rates, Digital Investment and Pricing
- This Month in Commercial Banking: Rising Rates and Headwinds?
- This Month in Commercial Banking: Staying Ahead
- This Month in Commercial Banking: Staying Focused As Rates Rise
- This Month in Commercial Banking: The Final Countdown
- This Month in Commercial Banking: The Latest on Rates, Pricing and More…
- Treasury Management Fees Post Modest Growth On Headwinds From Declines In Deposit Administration Fees (DAF)
- Treasury Management Pricing Events: Banks Remain Assertive
- Understanding And Managing Card Payment Costs
This Month In Retail Banking
- 2024 Deposit Growth May Not Meet Expectations
- A Preview Of The Coming CD Renewal Surge
- A Winning Strategy For “Win-Back” Campaigns
- Amid Turmoil, Reassurance is Crucial
- Banks Add Tools and Support to Help Customers Cope
- Banks Raise Rates In Effort To Reduce Churn
- Boost Branch Performance? Make It Opportunity-Based.
- Branch Count Continues Downward, But At A Slower Pace
- Caution: Consumer CD Renewal Bubbles Ahead
- Clear Routes To Action Can Drive CD Renewals To Digital
- Deposit Acquisition Costs: Finding The Right Balance For Success
- Deposit Costs: Finding The Right Balance For Small Business Success
- Digital Wallets: For Many, Becoming The Preferred Way To Spend
- Elevate Digital Onboarding? Remove ID And Verification Frictions.
- Five Takeaways From Bank Earnings Season
- For Mortgage Portfolio Lending, A Barbell Effect Is In “Overdrive”
- Grow Funding? Look To Your Differences By Market.
- Higher-For-Longer Rates Complicate Once-Easy Decisions On Branch Closures
- Housing Values Soar. So Do Property Taxes.
- How’s Your Omnichannel Strategy?
- Memo To Marketers: Treat Your Budget Like An Investment Fund
- Mortgage Servicing Rights: What Lenders Need to Know Now
- Mortgage Upheaval Prompts Some Buyers To Pounce
- New U.S. Shopper Survey: Digital Delivery Is Top Consumer Preference
- November MBS Rally Is Helpful, But Not Enough
- Now May Be The Time For A Brand Refresh
- Reality Sets In For Loan-To-Deposit Ratios
- Retail Deposits: More Aggressive Pricing Is Widening The Rate Gap Between Banks
- Retail Deposits: Stable, But More Competition Possible
- Revisiting Network Optimization As Economic Tides Shift
- Small Business Could Mean Big Opportunity
- Small Business Loan Demand Remains Strong, Lenders Become More Efficient
- The CD Takes On New Life As Rates Rise
- This Month in Retail Banking | New Products, New Uncertainty
- This Month in Retail Banking: Customers Drive Industry Changes
- This Month in Retail Banking: Customers Wake Up
- This Month in Retail Banking: Fintech Shake-Up, Rates and Overdraft
- This Month in Retail Banking: Keeping Up with the World Around Us
- This Month in Retail Banking: Mixed Messages for Retail
- This Month in Retail Banking: Navigating Today’s Challenges
- This Month in Retail Banking: Setting a New Tone
- This Month in Retail Banking: Speeding Through the Year
- This Month in Retail Banking: Spending, Shopping and More
- This Month in Retail Banking: Supermarket Retreat, Mortgage
- This Month in Retail Banking: The Juggling Act
- This Month in Retail Banking: Thinking About 2023
- To Gauge A Consumer’s Channel Preference, Consider The Entire Portfolio
- Where Have All The Branch Closures Gone?
This Quarter In Canadian Banking
- Customer Needs Will Be Critical As Deposit Betas Accelerate
- Digital Delivery, Analytics Are Transforming Financial Advice
- Digital Trends – What Canada Can Learn From The U.K.
- Seeds Of Disruption Lurk
- This Quarter in Canadian Banking: Branch Sales Recover From Pandemic, But Productivity Doesn’t
- This Quarter in Canadian Banking: Challenging Times
- This Quarter in Canadian Banking: Challenging Times
Webinars
- 1071 For Small Business Lending: Are You Ready?
- 2024 Outlook: Three Things Home Equity Lenders Should Know Now
- 5 Strategies For Reducing Consumer Deposit Interest Expense
- A Lender’s Guide To Informed Margin Management
- Banking in 2026: Growing Profitably When the Market Won’t Sit Still
- CBA Webinar – The Customer Deepening Imperative
- Consumer Credit & Access to Cash Webinar
- Consumer Lending in Transition: The Impact of Falling Rates
- Creating A Winning Deposit Strategy In 2024
- Curinos 360: The Lending Roundup Presentation
- Curinos 360: The Lending Roundup Webinar
- Curinos Banking Playbook: How to Navigate a Rising Rate Environment
- Dating the Right Customers: Driving Profitable Demand Deposit Acquisition Growth
- Deposit Growth & Retention Strategies In A Flat And Falling Rate Environment
- Digital Insights For Community Institutions: Navigating 2024 And Beyond
- Driving Customer Growth Through Strategic Retail Planning
- Effective Margin Management: Check Your Pricing Competitiveness
- Emerging Solutions in Home Equity – Title, Settlement and Closing
- Expanding into New Markets: Strategies for Growth and Optimization
- Greater Profitability in 2025 and Beyond: Ingredients for Success
- Harnessing The 4 Most Crucial Drivers Of Growth In 2025
- HELOC Balance Growth Can Be Achieved! Is Your Growth Strategy Working?
- Home Equity – On the Move in 2022
- Home Equity Lending in Focus: Data-Driven Strategies for Modern Markets
- Home Equity Lending: 2015 vs. 2025 – A Decade of Evolution, Déjà Vu or Stagnation?
- How Agile Deposit Promotions Will Help You Navigate Market Uncertainty Webinar
- How Are Consumers Responding to Higher Interest Rates?
- How Essential Analytics Can Drive An Effective Deposit Strategy
- How Low Can You Grow? Raising Deposits Shouldn’t Break the Bank…or CU
- How Optimized Checking Account Origination Can Create Relationship Primacy
- How to Maximize Lifetime Value and Shorten Payback
- How to Optimize Down-Pricing in a Falling Rate Environment
- How to Transform Your Home Loan Product Solutions
- How to Win in Small Business
- It’s Go Time for Commercial Banking: Are you ready?
- Navigating Rising Rates: Q&A session
- Network Optimization In A High-Rate Environment
- Network Optimization: Moving from a Hatchet to a Scalpel Webinar
- Opportunity Lost: Retail Sales Underperformance
- Prepare Now for Rising Rates Webinar
- Proving (and Improving) your Institution’s Marketing ROI
- Reimagining Branches: How to Adapt Your Goal Setting to a New Reality
- Rising Rates: How to Navigate Deposit Runoff, Churn and Increasing Betas
- Seamless & Personalized: The AI Edge For Omnichannel Customer Engagement
- Small Business Banking: Are you Winning or Losing?
- Small Business Needs Big Banking Webinar
- The Future is Here for Commercial and Small Business Transformation | What Leaders Need to Know in 2026
- The Graduation Effect: How to Unlock Long-Term Value from Today’s Customers
- The Year Ahead: How to Tackle the Challenges of 2023
- The Year Ahead: Planning For Success In 2024
- Unlocking Digital Success: Insights from Community Financial Leaders
- Untapped Potential In Your Branch Network
- What’s the “Biz” in Small Business? Webinar
- You Get What You Measure – Adjusting Prospecting KPIs for Success in the New Consumer Deposit Market
Let’s turn insight into impact.
Connect with Curinos to see how our AI-first platform helps you accelerate impact, drive profits and grow with purpose.
