Why Banks Need Flexible Tech Architecture — and How to Build It
J.P. Morgan Payments, Cross River Bank and PayPal rely on 'MACH' architecture to keep the innovation coming via composable banking.
Why Banks and Credit Unions Should Embrace First-Party Data Now
When banks make better use of their first-party data, marketing outcomes improve, including higher click-through and conversion rates.
What 2024 Taught Us: Key Communication Trends for Banks and Fintechs in the New Year
As 2025 approaches, banks, fintech and finance firms must adapt their communication strategies to face new trends and challenges.
Five Bank Profitability Challenges and the Strategies to Overcome Them
Some challenges, like the erosion of overdraft revenue, will demand short-term solutions until long-term answers jell.
Why a New NCUA Rule Could Jolt Credit Union Innovation
The NCUA's proposed rule on succession planning could have a two-pronged effect – putting a chill on mergers while also facilitating the entrance of new ideas into the boards that oversee credit unions.
How to Ensure Business Continuity for Banks and Financial Services
Whether facing a natural disaster, a community-wide crisis, or an unforeseen global event like a pandemic, ensuring continuity isn't just a priority — it's a responsibility.
AI and Automation Are Different Tools. Misunderstanding the Difference Will Hit Your Wallet
AI plans ahead. Automation gets stuff done. Smart banks use both technologies appropriately.
How Two Credit Unions Empowered Employees to be Market Ambassadors
Striking a balance for banking brand enforcement is an art. Here’s our experience as marketing leaders navigating the risks and opportunities that come with managing our brand.
Navigating the CFPB’s New Rule: What Every Financial Marketer Should Know
The CFPB's push for customer data portability may only accelerate banks' growing problem with attrition. Retention will require a concerted focus on personalization.
Every Brand a Bank: Why Starbucks and Walmart are Your Real Competition
Is Starbucks a bank? Is Walmart? To millions of consumers, the answer is increasingly "yes". Traditional banks must respond.
How to Know What Your Customers Need Before They Do
Anticipating customers' needs, not just responding to them, is the key to delivering convenience and building trust.
Don’t Wait to Develop Wealth Management and Investor Initiatives
Banks face a critical pivot point as new data shows traditional deposits soar while wealth management potential remains untapped.
Chatting Things Through: The Current State of Chatbots in Mobile Banking
There are many compelling benefits to AI chatbot integration — but banks have work to do to articulate them to skeptical customers.
Gen Z is 30% More Likely to Open a New Savings Account — What’s Driving Their Choices?
Gen Z is emerging as a savings-savvy financial powerhouse. What factors are influencing their decision-making processes when it comes to choosing how — and where — to save?
Why Banks Should Rethink ‘Every Company is a Software Company’
A decades-long focus on advanced digital technologies – most recently, AI – has distracted many leaders and diverted resources from the core capabilities that drive banking performance.
What Do FDIC Examiners Think About AI? To Find Out, I Asked One
Five key takeaways from my recent meeting with a bank examiner can help you prepare for your own next agency conversation.
The DOJ-Visa Suit: Does it Mean the End of Free Checking?
Could the U.S. Department of Justice‘s antitrust lawsuit against Visa end to no-fee checking? Or could it actually create greater opportunity in payments for banks? Here’s a closer look.
Capping Credit Card Rates and Fees Won’t Ease Consumer Debt Crunch
Viewpoint: A temporary credit card rate cap plays to consumers, as does the blocked card late-fee limit from CFPB. But it's not that simple.
13 Prompts for Banks Deploying AI to Build Essential Marketing Collateral
Creating marketing collateral can feel like drudge work. AI is the ideal tool to help cut through the logjam.
The Mushrooming Regulatory Challenges to Banking-as-a-Service: A Field Guide
In an exclusive excerpt from his upcoming book, Banking as a Service, Jason Mikula catalogs the various — and vexing — regulatory questions that are dogging the BaaS business.
Banks Must Try the Flip Side of Embedded Finance: Embedded Fintech
Letting technology flow in both directions can marry the best of banking and fintech.
In-app Authentication: Which U.S. Bank or Challenger Does it Best?
One-time codes and secure email links may not be sufficient any more to fend off fraud. How can banks step up their customer security game?
