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?
It’s Time to Re-Invent Customer Journey Mapping for Today’s Banking Customers
Customer journeys are increasing complex, scattered across a tangle of channels and platforms. To make sense of it all, you need to pivot from mapping "how?" to asking "why?".
Future of Mortgage Lending Hangs on a Balance Between Innovation and Safety
Key decisions about home finance are overdue. Traditional mortgage lenders are losing share to fintechs with better tools.
Is Your Bank Ready for the Coming Rate Rush?
Deposit pricing is now as much a branding decision as a finance decision. The rates you offer will impact how historic numbers of depositors perceive your institution during the largest deposit movement event in banking history.
As the Fed Trims Rates Banks Must Adjust Both Deposit and Credit Strategies
Pressure on funding costs might ease, but that's not the whole picture. Here are five key points to weigh as the Fed begins lowering rates.
After Record Growth, Here’s How the U.S. Hispanic Population Will Revolutionize Brand Marketing
Now representing over 20% of the U.S. population, the Hispanic market is uniquely complex to engage with given its cultural diversity.
How ‘Voice Cloning’ Will Disrupt Customer Verification
Is that really your customer's voice on the phone? How do you know, and can you prove it?
AI Now: Real-world Lessons to Enhance Your Marketing, Immediately and Safely
Empowering your marketing team with AI tools is quicker and easier than ever. But doing so responsibly requires guardrails from the start.
How to Maximize Your Bank’s Investment in Microsoft Copilot
10 tips from regional SouthState Bank will help your institution successfully implement Microsoft Copilot for productivity improvements.
Three Critical Factors for a Successful Digital Transformation Strategy
These essentials must be mastered to bring businesses and consumers what they need, where, when and how they need it.
How ‘Hyper Personalization’ Creates High-Touch Customer Experiences at Scale
Digital tech can deliver experiences that mimic the "personal touch." But getting it right requires a focus on outcomes, data fluency and agile systems.
In the Battle Against Bank Fraud, The Very First Login is Critical
With fraud becoming more prevalent and sophisticated, banks are under growing pressure to beef up their digital security.
Elevating the CMO: Why Strategic Marketing is Key to Bank Growth
Banks that minimize senior marketing leadership risk undermining the very strategic skills and perspectives that drive growth.
Why Banks Remain So Vulnerable to Cybersecurity Risks — and How to Plug the Leaks
Banks face cyber exposure from inside and outside, but 15 strategies and tools can add layers of protection.
How Transaction Data Can Empower the Data-Informed Digital Banker
Transaction data can provide a competitive edge for capturing account holders with highly relevant products and services.
What Banks Must Learn from Washington’s Attack on Zelle
Viewpoint: Fraud's impact on payments products goes beyond Zelle, says J.D. Power research. In fact, Congress and regulators may be off base.
7 Fintech Trends Banks Should Be Watching Now + 8 More to Anticipate
Bank trend spotters must weigh new wrinkles among the 'usual suspects' but must also pinpoint tomorrow's opportunities.
Criminals Are Getting Better at Hacking ATMs. Here’s How to Disrupt Them
Criminals are reinventing old tactics and carrying out new cyberattacks to access ATMs and your customers’ funds. Here’s how institutions can diminish new and rising risks.
Millennials Are At a Financial Crossroads And Banks Must Understand Their Mindset
To engage with millennials, financial institutions must understand their unique needs, leverage technology and offer tailored advice and products.
What Can a Bank Learn from the Fast-Food Industry? Plenty.
How Tennessee's Sonata Bank courts franchise owners by offering banking services designed to reduce employee turnover — and SBA micro equipment loans to support growth.
