Curinos

A big thank you to everyone who joined our Chief Technology, Product & AI Officer, Olly Downs, at the Agentic AI Super Session at CBA LIVE. It was a well-attended session, with strong engagement and thoughtful discussion throughout. Olly, alongside Evan Baker - Chief Risk Officer at Capital One - Auto, and Kelvin Chen - Head of Policy at Consumer Bankers Association, shared valuable perspectives on the evolving role of AI, offering insights that were both informative and inspiring. We appreciate everyone who took the time to attend and contribute to the conversation. To learn more, please contact us: sales@curinos.com

Thank you to everyone who joined us at The Pool Club last night following the first day of CBA LIVE. It was a pleasure to host such a great group and connect in a more relaxed setting. We hope you enjoyed the food and live music throughout the evening. We truly appreciated the opportunity to meet and speak with so many of you, and we look forward to continuing the conversations over the coming days.

In home equity lending, speed matters! That’s the message from Curinos’ recent webinar on the topic. But traditional banks are losing ground. Fintechs are closing HE loans and lines faster and, as a result, producing higher pull-through, greater initial draw rates and stronger balance growth. The simple fact is that borrowers who need money now are the ones who close, draw and maintain higher balances. To catch up, banks will need to apply technology to collect data earlier and reduce the bottlenecks and friction. Here are five takeaways from the webinar: https://hubs.li/Q048XTGH0

Deposit strategies are under pressure. This morning’s packed room made it clear that banking leaders are looking for answers. Deposit Dynamics & Economic Outlook brought together retail banking leaders seeking clarity in a complex market. Ravi Subbaraya, Adam Stockton, and Bob Warnock IV shared a candid perspective on how banks can win in the face of continued unpredictability. Missed the session? Continue the conversation at Booth #201. Connect with our experts, explore our latest insights, and pick up some exclusive Curinos swag. San Diego Hilton Bayfront | March 30 – April 1 #CBALIVE2026 #Deposits #RetailBanking #DecisionIntelligence #CurinosInsights

The Curinos team is at CBA LIVE 2026 and ready to connect. Stop by Booth #201 to talk with our experts and see live demos of decision intelligence in action. Learn how banks are optimizing deposits, growing lending, and navigating today’s challenging economic environment with confidence. If you’re attending, we’d love to meet you. Connect with our team, explore our latest insights, and pick up some exclusive Curinos So-Cal swag. 📅 March 30 – April 1 San Diego Hilton Bayfront #CBALIVE2026 #RetailBanking #Deposits #DecisionIntelligence #Curinos

Deposit inertia has been one of banking's most reliable and least discussed competitive advantages for decades. Customers stayed put not because they were delighted but because they were either indifferent or leaving seemed hard. But thanks to digital experiences that lower friction and disruptors poaching before traditional FIs are aware of what’s happening, that advantage is eroding. And agentic AI shopping will likely only make things worse. Institutions with a connected operating model that embeds intelligence across a variety of decisions will be best positioned to defend themselves. Read more in the Spring issue of the Curinos Review: https://hubs.li/Q048Fbmf0

Curinos will be taking the stage at CBA LIVE 2026 to share insights on three of the most critical growth levers in retail banking today: deposits, home equity, and AI. Join our experts as they discuss the trends, strategies, and decisions shaping performance across the industry. Monday, March 30 | 8:00am – 9:00am Deposit Dynamics & Economic Outlook Speakers: Adam Stockton - Managing Director, Retail Advisory | Ravi Subbaraya – SVP, Retail Deposits | Bob Warnock IV - Managing Director, Client Advisory Monday, March 30 | 10:20am – 11:00am Unlocking Home Equity Demand: Product Strategies That Deliver Speakers: Richard Martin - SVP, Retail Lending | Ken Flaherty - Senior Manager, Retail Lending | Sarah Welch - Managing Director Monday, March 30 | 4:20pm – 5:10pm Agentic AI Super Session Speakers: Olly Downs - Chief Technology, Product & AI Officer Make Curinos part of your CBA LIVE agenda, learn more here: https://hubs.li/Q048ryWt0 Want to connect during the event? Email: sales@curinos.com #CBALIVE #RetailBanking #Deposits #HomeEquity #DecisionIntelligence

Acquisition is about much more than marketing. It’s shaped by decisions across product, pricing, distribution, risk and digital experience. That’s why winning banks are reframing acquisition as a coordinated, enterprise-wide strategy anchored in customer value rather than channel metrics. Here are 5 key takeaways from Curinos’ recent webinar “Efficient Customer Acquisition Isn’t a Marketing Problem.” https://hubs.li/Q048CnYj0

In this edition, our Spring issue of The Curinos Review is now live? We explore the rise of adjustable-rate mortgages, why direct banks aren’t immune to a slowdown, and the new economics shaping acquisition, plus upcoming events you won’t want to miss.

Cost per acquisition (CPA) and customer acquisition cost (CAC) can take marketers only so far in maximizing their budgets for gaining new customers or members. Five other metrics need to be considered: promo and incentive costs, retention rates, new balances, 12-month cost of acquisition, and CP$10K. These comprise the new economics of acquisition, says Curinos Managing Director Hank Israel. They can help frame a strategy, from least to most expensive, that will meet acquisition goals or exhaust the budget in the attempt. Read more: https://hubs.li/Q048ryvD0 Connect with the author: https://hubs.li/Q048rxTc0