Curinos Report: Zelle® Usage Drives Customer Engagement for Financial Institutions
curinos report

Financial institutions are facing intense competition from both fintechs and traditional players, putting downward pressure on the revenue they generate from mass-market consumers.

Curinos’ new report Zelle® Usage Drives Customer Engagement explains “as digital channels become a larger source of new customers, banks find that engagement levels and revenue contribution of these customers are far lower than their existing, branch-originated counterparts.”

According to Curinos’ report, “FIs are now challenged; 40% of mass-market customers cost them more to serve than they generate in revenue.” Banks and credit unions are seeking new ways to profitably serve these customers, and real-time P2P payments solutions like Zelle® are playing an increasingly important role.

Download the latest report by Curinos and Early Warning® to learn how Zelle®can help banks and credit unions:

  • Drive significantly higher levels of customer engagement, especially among low-engagement, new-to-bank and low-balance customers
  • Boost profitability by an average of $25 per customer year-over-year compared to customers who don’t use Zelle®
  • Increase interchange transaction volume by 5.1 additional transactions per month after 12 months - a 3x increase compared to customers that didn’t use Zelle®

Visit the Value of Zelle®  page for more information.


download the report



A Texas car and motorsports entrepreneur orchestrates a scheme to check kite $114 million, fooling investors and his business partner that he’s running a thriving business.

Learn more about Real-time Deposit Chek® Service as a tool to confirm the status of an account, predict the likelihood that an item will return, while validating the external account is owned by the customer requesting the deposit transaction.

A bank uses predictive intelligence from the National Shared DatabaseSM resource to prevent deposit fraud.  
White Paper

As much as customers love variety in banking, so do fraudsters. With the emergence of omni-channel banking, scammers have found ways to leverage each new channel for fraud - and deposit fraud is one of the most common tactics. It’s a persistent and challenging issue that can have a major impact on customer trust, employee morale, brand reputation, and even your FI’s bottom line.