Curinos

Regional pricing is on the increase. Time to call in WAMP. Competition for a shrinking total addressable market is intensifying and lenders are becoming more sophisticated in their localized pricing strategies. In this environment Weighted Average Market Price (WAMP) is essential. It provides a more accurate reflection of the loans executed in the market, and it minimizes the influence of market anecdotes or hearsay. Read more from Curinos senior vice president of retail lending Richard Martin: https://hubs.li/Q02Z5t8c0 #mortgages #mortgagelending #mortgageloans #homelending #WAMP #regionalpricing #refis #homebuying #Curinos #homeequitylending #HE lending

This falling rate cycle, portfolio betas will be lower and slower. That’s because financial institutions did a better job of managing portfolio rates on the way up, so now they have less room to bring them down aggressively. That means pressure will persist on portfolio rates, and betas will be lower. Chalk it up to continuing high demand for the high-rate CDs as well as acquisition and remix up to much higher rates versus portfolio. Read more from Curinos SVP of consumer and small business deposits Ravi Subbaraya: https://hubs.li/Q02YVJVk0 #deposittrends #depositacquisition #depositrates #depositbetas #fallingrates #portfoliorates #Curinos #interestrates #depositgrowth #retailbanking

Join Curinos experts on Tuesday, Dec. 3 for a year-end webinar centered on what’re likely to be the most consequential and influential factors for banking performance in 2025: - The direction of rates - Changing consumer behavior - Personalization and accelerating AI - Regulatory changes and possible restructuring Learn more and register here: https://hubs.li/Q02Xx8zS0 Have a question you’d like answered during the webinar? Comment below or enter it here: https://hubs.li/Q02Xx8MT0

In just two weeks, we're heading to the premier conference for branch and retail banking innovators: Future Branches Austin 2024! Get in touch with Steven Frook, Rohin Chittilapilly or Corey Williams before the event to schedule time to learn about how Curinos' powerful AI-driven solutions optimize and enhance customer and member engagement.

Branches pose a dilemma for most banks and credit unions — but as the most dependable source of long-lasting customers and deposits, they are and will continue to be powerful levers for driving growth. Last week, Curinos and Adrenaline shared proven, effective strategies for leveraging branch networks to drive growth through optimized retail planning and network expansion. Get the top takeaways: https://hubs.li/Q02YKJnM0

Last week, Curinos and Adrenaline partnered to share data-driven strategies banks and credit unions can use to leverage their branch networks to drive stronger, more efficient customer growth. Did you miss it? Don't worry — you can catch a recording of the webinar in its entirety here: https://hubs.li/Q02YxHlR0

We are looking for a talented and passionate Senior Full Stack Engineer to join our Amplero Platform Engineering team. This is an exciting opportunity to play a key role in building and scaling our next generation platform that drives innovation and growth, while also providing valuable mentorship to junior engineers. As part of this dynamic team, you will collaborate closely with cross functional groups throughout the company. Learn more and apply: https://hubs.li/Q02Yp__R0

Catch up with the latest edition of the Curinos Broadcast! The Broadcast is our biweekly wrap-up of industry trend coverage, exclusive insights, upcoming event information and more. This edition includes analysis of: - Expert analysis of last week's rate cut from the Fed - A breakdown of the increase in government-insured mortgage volume - How high-rate CD Attrition may be signaling what's to come - And more!

New for Retail Banker International: Curinos' head of omnichannel experience Suraya Randawa analyzes the value chatbots are providing to financial institutions and their customers through improved interactions, targeted recommendations and more: https://hubs.li/Q02YhmP30

ICYMI: Curinos' chief data officer Olly Downs spoke with The Financial Brand's ?? Jim Marous about how banks, credit unions and other financial institutions can leverage AI to deliver more sophisticated, mutually beneficial customer experiences. Learn more: https://hubs.li/Q02Yh9-r0