Curinos

When funding costs, customer demand and rate conditions shift faster than planning cycles, what do successful financial institutions do differently? Hear from Curinos experts Olly Downs, Brandon Larson, Sarah Welch and Peter Serene as they share how leading financial institutions should be balancing profitability, customer quality and strategic agility through data-driven decisioning. Join us on December 2 at 2 PM ET for our live webinar, moderated by CEO Sid Singh, as we walk you through how to plan for 2026 scenarios. Register here: https://hubs.li/Q03TvxTG0 #BankingStrategy #DepositGrowth #CurinosWebinar #FinancialServices

Living Our Values: Luca Cazzanti PhD, Vice President of Data and AI at Curinos, brings his passion for both data and soccer to the field. Growing up in Italy, Luca played soccer anywhere he could and after moving to the U.S., he continued competing through high school and in adult leagues. Today, he coaches the freshman athletes at Ingraham High School, helps lead Emerald City FC, and manages AI-powered cameras that track stats and highlight player performance — blending his love of the sport with his expertise in data science. For Cazzanti, the most rewarding part isn’t the analytics or even the matches — it’s building relationships with players, families, community, watching young athletes develop, and applying a coach’s mindset on and off the field. From strategy to stats, he’s a powerful example of how teamwork and data-driven insight go hand in hand. For more information about life at Curinos: https://hubs.li/Q03T1P7S0

Universal bankers. If they’re armed with the right technology, the concept might prove to be irresistible. But so far results are uneven. FIs are using universal bankers less for sales and service than for sales or service. Many universal bankers may have the ability to do both roles but are expert in neither. And, tellingly, there’s yet to be any conclusive evidence that they’ve improved branch-level productivity. Still, as Andrew Hovet posits in this quarter’s Curinos Review, with AI-fueled decision intelligence continuing at its rapid pace, the concept may prove viable sooner than we think. Read Andrew’s article in Curinos Review: https://hubs.li/Q03R-XvR0

In this edition of the Curinos Broadcast: - Fall Edition of the Curinos Review - Register for our End of Year Webinar - Read more about our collaboration with White Clay - And more...

Curinos is pleased to announce a new collaboration with White Clay! We'll be embedding our market-leading data into White Clay's pricing and profitability tools.

Is application friction getting in the way of perfectly good leads? Curinos has quantified the degree of friction across the entire customer acquisition journey and correlated it to higher or lower funnel retention. Its Digital Acquisition Benchmark produces a Journey Effort Score, and it’s demonstrated that a lower score has resulted in twice the rate of both approvals and funding than a higher score. And with more than 75% of digital applications coming through mobile, providers need to adapt journeying accordingly or risk lower scores. That’s according to Curinos’ Suraya Randawa, who also says that how customers fund their account matters. A sufficient range of funding options can drive higher levels of initial funding, the key to primacy. Read Suraya’s article in the latest issue of Curinos Review: https://hubs.li/Q03R-S7W0

Rate uncertainty. Deposit competition. Shifting customer behavior. In our end-of-year webinar, Curinos experts will share their 2026 outlook – what signals financial institutions should watch for, and how to translate them into smarter planning and pricing decisions. Don’t miss this forward-looking session on December 2 at 2 PM ET, moderated by CEO Sid Singh with insights from the Curinos team. Register here: https://hubs.li/Q03SC7810 #DepositGrowth #CurinosWebinar #FinancialServices

If a material share of payments volumes migrate from fiat to tokenize – a big if, to be sure, but plausible – businesses and individuals could end up holding meaningfully large wallets of stablecoins. According to Peter Serene in this issue of the Curinos Review, this scenario would transform deposits because funds would likely leave granular low-cost, checking accounts and be concentrated in large expensive collateral pools held by the largest banks. And while a portion of these would be held in cash, a greater share would probably be held in US Treasuries. Read Peter’s article in Curinos Review: https://hubs.li/Q03R-Xt00

Persistently high mortgage rates. Unprecedented amounts of equity accrued by homeowners who are staying put. It’s a recipe for continued resilience in home equity lending that should continue into next year. But according to Curinos’ Ken Flaherty, price softening in some parts of the country, particularly the Southeast, is giving some homeowners second thoughts about borrowing. And he cautions that banks need to improve their cycle times to better compete with upstart fintechs. Still, with line sizes hitting new records and balances and utilization on the up, he sees a 4% growth to the category in 2026. Read more: https://hubs.li/Q03SBW3m0 Speak to the author: https://hubs.li/Q03SC0Rr0

By the end of 2026, enterprise software products will likely exhibit conversational interfaces by default. According to Curinos’ Olly Downs and Luca Cazzanti PhD in the latest issue of Curinos Review, this will allow graphics, text, tabular data and animations to automatically populate financial models, progress reports and presentations. Such a development is one of three need-to-know accelerating trends identified by the authors that actionable decision intelligence is bringing to banking. Read Olly and Luca’s article in the latest issue of Curinos Review: https://hubs.li/Q03R-S4P0