Why Efficient Acquisition Is No Longer a Marketing Problem

Customer acquisition has never been more expensive – or more critical – to sustainable growth. Yet many banks still optimize channels and campaigns in silos, with limited visibility into long-term customer value and balance sheet impact.

Join Curinos for a candid discussion hosted by the Consumer Bankers Association on why efficient acquisition is fundamentally a decision challenge, not a marketing one. We examine why traditional metrics are breaking down, how hidden trade-offs erode value, and what leading banks are doing differently to prioritize the right growth in today’s environment.

What We Cover:

• Why acquisition efficiency is breaking down: Rising costs, channel saturation, and intense deposit competition have exposed the limits of campaign- and channel-centric strategies.
• The hidden trade-offs banks struggle to see: Optimizing for volume, CPA, or short-term conversion often erodes long-term customer value and funding quality.
• Why efficient acquisition is a decision problem: Disconnected data, siloed analytics, and fragmented execution prevent consistent, value-based choices.
• What leading banks are doing differently: How institutions are aligning targeting, pricing, and marketing around a shared definition of efficiency.
• What a modern acquisition model requires: The role of decision intelligence in evaluating trade-offs, prioritizing the right growth, and learning which decisions pay off.

Top Benefits:

• Learn why traditional acquisition optimization no longer works
• A practical definition of efficient acquisition beyond cost and volume
• How better acquisition decisions improve growth and balance sheet outcomes
• A framework for aligning marketing, pricing, and customer strategy
• How to move from campaign execution to decision-led acquisition – without replacing core systems

Speakers:
Sarah Welch, Managing Director | Product, Consumer
Brandon Larson, Chief Advisory Officer