Articles by John Ginovsky

John Ginovsky is a journalist with extensive experience in a wide variety of writing styles, including news, speech, commentary and feature stories. His specialties are in banking industry trends and banking technology updates. Although he is a freelancer for The Financial Brand and other various publications, John spent nearly twenty years as a full-time writer at the American Bankers Association.

Mobile Banking Is Now the Primary Delivery Channel: What Now?

Mobile has risen to be the top channel for 'everyday banking.' In-app connections to humans could further increase the channel's

FedNow Will Propel Real-Time Payments Into the Banking Mainstream

Launching in 2023, FedNow real-time payments have grabbed the attention of smaller banks, credit unions, fintechs ... and The Clearing

Bill Pay: Can Digital Banking’s Neglected Product Be Revived?

Online and mobile bill payments are rising, but so are late and missed payments. One surprising reason: confusing banking bill pay

Technology & Innovation Key to Growth in Tough Mortgage Loan Market

Mortgage lenders seek new strategies and technologies to deal with changing borrower demographics and streamline the homebuying

The Emerging Payments Trends Threatening the Future of Banking Revenues

Account-to-account (A2A) payments reduce interchange income and could hasten the decline of payment cards, but also bring new

How to Survive Banking’s Biggest Threat: Staffing

The most formidable challenge of digital transformation isn't technology, but having the right people with the right

A Close Look at Covid’s Deep and Lasting Impact on Payment Trends

Data from a comprehensive Federal Reserve study puts real numbers behind the massive changes in consumer and business payment

The Brutal Truth About Savings Habits: Covid Didn’t Teach Us Anything

After record spikes, the numbers plummeted. But the overall trend masks very different scenarios that banks and credit unions must

Mortgage Lending Snag: Boomers & Millennials Vie for the Same Houses

Just as more Millennials are finally looking to become homeowners they find starter homes have been grabbed by retirees or

Banks Are All Fintechs Now (or Soon Will Be), But Do They Have the Right Talent?

A new report flags the skills gap financial institutions face as the industry becomes more tech driven. Altering hiring criteria is

How the Salesforce + Rocket Partnership Changes the Mortgage Market

Mortgage-as-a-service gets a big boost, giving community financial institutions new options, and confirming the value of a human

What It Will Take to Have Interactive Tellers Catch On with Consumers

For institutions, ITMs help with staff shortages, market growth and branch efficiency, but few consumers use them. Those that do, like them.

Top Mortgage Lending Trends in Banking

Banks and credit unions must adapt to technology and demographic changes as the frenetic home-buying boom

Big Breakthroughs as Banking in the Cloud Replaces Legacy Systems

Chase, First Horizon, Live Oak Bank and others have shifted major parts of their core systems to the public cloud, marking a turning

Financial Institutions Must Address ‘Buy Now, Pay Later’ Problem Now

The fast-growing BNPL market, popular with Millennials and dominated by fintechs, is already siphoning billions in revenue from

Millennials’ Fading Homeownership Hopes Cloud Mortgage Outlook

New data confirms many of this group seek larger living space, yet Covid has added extra hurdles that mortgage lenders must understand.

How 5G Will Reshape the Future of Digital Banking & Payments

The pace of digital transformation will rocket as vastly increased network speed and connectivity empowers both banks and their

Frustrated Banks & Credit Unions Seek Better Tech to Stay Competitive

Desperate to meet demands for advanced digital experience, they eye new options. The big core providers respond, but will it be fast

What Consumers Really Want from Their Banking Providers

The short answer: They want it all. But while change continues rapidly in the key payments arena, even their traditional methods hang

Will Long-Term Effects of Deposit Surplus Speed Banking Consolidation?

A situation few predicted has financial institutions large and small scrambling to manage a historic imbalance between loans and

Why Banks Must Be Ready for a ‘Less-Cash’ (But Not Cashless) Future

Don't toss out your currency-counting machines yet. Use of cash, that decidedly old-school form of payment, is seeing new signs of

Avoiding Branch Rebranding Headaches in Mergers and Acquisitions

Three factors are key: realistic cost assumptions, an outside-inside strategy, and staff understanding of the new look, name and