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Welcome to the Spring 2022 issue of the Curinos Review.

This issue of the Curinos Review is called “Pick Your Path” because there’s no one-size-fits-all solution to the challenges that accompany higher rates. While financial institutions typically benefit from this environment, the situation is complicated. Large institutions that are flush with deposits may be able to keep betas low, but a burst of lending and competition from other providers could upend that strategy. Smaller providers and new entrants that don’t have a big deposit buffer will likely be forced to woo customers with higher rates.