The latest trends and strategies in banking, with ideas, insights and research senior executive bank management teams need to build their strategic plans.
Some challenges, like the erosion of overdraft revenue, will demand short-term solutions until long-term answers jell.
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?
The Future of Banking in a World of Digital Ecosystems
A reset of existing business models in banking is underway, thanks to technology like artificial intelligence, hybrid cloud, embedded finance and banking as a service.
Should Fintechs Buy or Build Their Way into Banking Today?
Acquisitions aren't easy, but new charters for fintechs are elusive. A veteran banking lawyer weighs options in which both banks and fintechs have a stake.
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.
What Bankers Should Know About the Alarm Over Brokered Deposits
The debate about banks' use of brokered deposits is missing some important context. Don't let the alarmists derail prudent use of this important funding tool.
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.
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.
Community Financial Institutions: Going Beyond Being Friendly
Jim Perry from Market Insights, Inc. discusses how community banks can survive by providing personalized attention and taking advantage of composable solutions.
Is ChatGPT Ready for Banking? Yes and No
Think twice before you set generative AI loose to handle customer service. What private customer information could it expose to the world?
Proposed Capital Rules Could Crimp Credit Card & Mortgage Lending
The regulatory response to the regional bank crisis of spring 2023 could weigh heavily on the lending ability of larger institutions.
The Best Way to Implement GenAI (and Avoid Random Acts of Digital)
Generative AI has the potential to transform loan approvals, customer service and more. But successful implementation requires bankers to focus.
Retail Banking Mid-Year Assessment: Jobs to be Done
11:FS's David M. Brear explores emerging technologies, changing expectations, digital transformation and how leading banks are serving the consumer of tomorrow.
Wealth Management Services Need to Put the Human Element Ahead of Technology
Robo advice may be all the rage, but the shortcomings are glaring. Community banks have an edge in wealth management — if they use it.
How a Community Bank Helps Business Borrowers Cope with Rising Rates
Growth at this Michigan community bank comes from business customers — especially manufacturers — seeking help with challenges like rising interest rates.
The Tech Strategy You Need to Deal with Disruption in Real Time
The massive disruption in payments hints at what open banking will spark for all of U.S. financial services. Is your tech strategy ready for this?
Reality Check: Is the Average Consumer’s Debt Actually Shrinking?
It's a tale of two consumers: 43% of Americans are at their lowest debt levels ever, while 35% are at their highest. What's behind this dichotomy?
How Banks Are Tackling Fintech Partnerships & Managing Other Risks
A survey of banks and credit unions takes a look at what they want in fintech partnerships, what their examiners are focusing on, and more.
Retail Banking Priorities Have Shifted in 2023
Which priorities are gaining traction? And which are losing steam? One key to success in digital banking transformation is flexibility.
Student Loan Repayments Return Amid a Shifting Credit Landscape
Federal student loan payments won't be coming back to the same credit environment that existed when the moratorium was put in place.
Consumers Crave Better Banking Service During Economic Uncertainty
Banks must provide seamless digital solutions, human empathy, personalization and responsible data use during challenging economic times.
