Spotlight Articles
Younger generations want much more out of financial apps than the routine functions Mom and Dad typically use. But parents can't be left behind.
Fintechs, Walmart and Crypto: A Venture Capital Firm’s Take
Ribbit Capital partner Nick Huber talks about finding the next big thing in fintech. Hint: Mobile apps from outside the banking industry offer some insight.
Researchers Say the Federal Safety Net Isn’t a ‘Moral Hazard’ After All
For decades, pundits have argued that deposit insurance leads to riskier behavior that ends in bank failures. Were they wrong all this time?
Offer ‘Test Drives’ of Mobile Banking Apps for a Marketing Advantage
To get an edge in attracting digital users, more banks, credit unions and fintechs are letting potential customers try out their mobile banking apps.
Community Banks & Credit Unions Revive Personal Lending with Fintech Help
Offering unsecured personal loans and point-of-sale financing is uncommon for community banks and credit unions, but a fintech partnership is making it possible for a growing number of them.
Where Ribbit Capital Sees Fintech Opportunities
Fintech funding is still slow, but a major venture capital firm sees growth opportunities, including in commercial payments and generative AI.
As Business Payments Go Digital, Banks Must Keep Up with Fintechs
Enhancing cash management services is not only a revenue opportunity for banks, but a way to fend off the fintechs encroaching on business customers.
Bank of America CEO Brian Moynihan: ‘We Won’t Have a Recession’
Citing spending data from Bank of America’s 68 million customers, CEO Brian Moynihan predicted a soft landing in a newly upbeat economic outlook.
Do Banks That Outspend Their Peers on Marketing Grow Faster?
Banks ramped up their marketing after the pandemic. Here’s how it paid off, with data to benchmark whether your budget and your results are keeping pace.
The Future of Value: Rethinking Banking in an Era Beyond Money
As banking becomes embedded in digital ecosystems, financial institutions must evolve from monetary exchange to enabling value transfer models.
Gallery: The Best Annual Reports from Banks and Credit Unions
Many banks and credit unions showcase their story in glossy annual reports — print, digital and even interactive. Here are two dozen that stand out.
Paze Digital Wallet Launch Delayed Until Early 2024 – Here’s the New Plan
Whatever happened to Paze, which was supposed to roll out in time for the 2023 holiday shopping season? Get a detailed look at what's ahead for the big banks' digital wallet.
Making Banking Frictionless: The Rise of Embedded Finance
What does it take to be successful with an embedded finance strategy? And what do nonbank platform partners value most? IBM research offers some insight.
Why Your Next Strategic Plan Should Start with a Board-Management Survey
A strategic plan only works well when the entire team gets behind it. Surveying the board and management can ensure there's no misalignment.
‘Real-Time Payments’ Expert Pivots to ‘Chuck,’ a P2P Platform for Community Banks
'Payment Jedi' Peter Davey hopes to take Alloy Labs consortium members where no community bank has gone before. His mission? Launch Chuck.
First Horizon’s CMO Powers Through Merger Misfire with Growth Strategy
Erin Pryor’s focus on digital marketing and data analytics is a big part of the growth strategy that helped First Horizon weather a merger breakup.
The 0% Loan: Why a Dozen Lenders Are Leaning into the Novel Idea
There's no catch. Executives at several credit unions share what they like about the no-interest, no-fee loans, which are designed to be offered as an employee benefit.
How to Unleash the Full Potential of Digital Wallets
Even the 'experimenters' who use digital wallets more than other consumers find them clunkier than debit cards. Better product design and messaging would help.
Is CFPB’s Mobile Payments Salvo at Apple & Google Good for the Industry?
As the use of tap-to-pay with smartphones grows, the CFPB contends that the tech giants are stifling innovation and consumer choice in payments.
Why More Banks and Credit Unions Are Using Environmental Graphics in Branches
Environmental graphic design is a retail trend that’s made its way into the banking industry. Check out this gallery of examples from bank and credit union branches.
Growth in Home Equity Lending Cools Off as Interest Rates Hit Pain Point
A wave of home equity lending helped buoy the banking industry as mortgages dried up, but fresh data shows the tide is receding.
Supercharge Your Boring Old Debit Cards to Drive More Users, Usage
Consumer spending is often done on debit cards, so why not do more to differentiate — and market — these cards as a way to attract deposits?
FedNow Turns Instant Payments into a Must-Have for Banks and Credit Unions
The Federal Reserve already has plans to roll out new features for its instant payments service, a rival to the RTP network.
