Small Business

Your trusted partner in the small business space, providing clients with a 360-degree view to enable optimal decision-making across the balance sheet.

The importance of small business

In today’s challenging market environment, focus on a comprehensive small business strategy across deposits, lending and delivery is critical for success. Small business customers provide a low-cost source of deposits to increase cash reserves at more profitable margins, which are proven to be strengthened with a coinciding lending relationship. To effectively capture these relationships, financial institutions must provide a customized omni-channel experience to best suit business needs.   

Use our proprietary data and insights to partner with your financial institution to make data-driven decisions to expertly optimize your small business portfolio.   

Accelerate Growth
Identify target segments & align value proposition & products with client needs.
Maximize Share Of Wallet
Achieve primacy through capturing the operating account.
Improve Operating Expense
Refine operating model to manage cost-to-serve (and sell).
Optimize Retention
Manage pricing to attract/retain rate-sensitive deposits w/out eroding cost-of-funds.
Risk Mitigation Strategy
Adhere to 1071 legislation & achieve primacy while managing risk.

Small Business Imperatives For Success

Banks are increasingly competing with non-bank providers for small business products and services, with most competitors being digitally-led​.

 

Attitudes of business owners are shifting away from branch-based value propositions.

 

Client attitudinal segments have unique servicing preferences and unmet needs that institutions should consider when designing offerings.

 

Product packages need to be more comprehensive and targeted to client segment needs, including payments and even lending​.

 

On March 30th, the Consumer Financial Protection Bureau (CFPB) issued its final rule to amend Regulation B to implement changes made to the Equal Credit Opportunity Act (ECOA) via section 1071 of the Dodd-Frank Act.

Curinos has the tools and expertise needed to identify potential 1071 impacts to your financial institution prior to rule implementation so that you can make the business decisions needed to more equitably serve your small business lending clients now!

When you become a participant in LendersBenchmark Analyzer (LBA) for Small Business Lending, our anonymized “give to get” consortium, Curinos can analyze your input data compared to your peers in the market – and overlay domestic U.S. minority demographic information – to identify key areas of focus.

Example: How does lender pricing align with that of peers in minority-concentrated areas?1 

1Example contains fictitious data and is used for illustrative purposes only.

Small Business Solutions

Digital Banking Analyzer

Enhance your user experience in today’s digital first world.

LendersBenchmark Analyzer For Small Business Lending

Maximize your small business lending performance.

Small Business Deposit Analyzer

Unparalleled insights into deposit performance, helping financial institutions identify growth opportunities and optimize their bottom line.

Small Business Deposit Pricing And Fee Data

Industry leading deposit solutions that enable effective pricing decisions to positively impact your portfolio.

Small Business Lending Pricing And Fee Data

Comprehensive insight into lenders relative pricing position.

Case Studies

IBERIABANK discusses how product and treasury
leverage PriceTek to collaborate on deposit decisions

Collaboration with KeyBank on next generation deposit optimization solution

What Our Clients Are Saying

Our Insights

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.

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Marketing@curinos.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Marketing@curinos.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Marketing@curinos.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Marketing@curinos.com

Let's start a conversation...

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