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.
How Generative AI Will Revolutionize Financial Services
IBM's John Duigenan shares how generative AI-driven innovations allow financial institutions to work smarter, deepen customer relationships and address competitive threats.
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?
How One Fintech ‘Sifts for Gold’ in the Low FICO Scores Banks Shun
Amid a funding crunch, many fintechs are rushing to turn a profit. Current's CEO shares his plan to get there by adding loan products and another 1 million customers.
What Bankers Still Need to Learn from Their Fintech Competitors
Innovative fintech companies have acquired millions of users who regard them as virtual "banks." Here's how traditional banks and credit unions can match their very successful competitors.
What Small Businesses Want from Mobile Banking Apps (But Don’t Get)
How well do mobile banking apps meet the needs of small businesses? See where the apps fall short and what areas to prioritize for improvement.
Truist and IBM Explore What Quantum Computing Can Do for Banking
Personalization, cybersecurity and artificial intelligence are just a few use cases for quantum computing that Truist and IBM will research.
Bank Business Models Must Evolve to Regain Customers
Banks that lead with bold customer value strategies can reinvigorate relevance and relationships, improving trust, engagement and loyalty.
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?
Apple’s Strategy in Banking: Memojis, Marketing & Next Moves
You can tell a lot from a memoji. It’s just as much part of Apple’s strategy for reeling in Millennials & Gen Z as its marketing for Apple Pay.
Will FedNow and BNPL Dent Credit Card Use?
An analyst sizes up payments innovations threatening to erode consumer use of credit cards. He sees dim prospects for buy now, pay later.
How To Win Over the 45 Million Customers Most Banks Neglect
The experience of a student seeking her first credit card shows how banks can do better by those with little to no credit history.
How to Turn Your Website into a Personalization Treasure Trove
What if your institution knew which depositors were eight times more likely to open CDs? Here's how Visions Federal Credit Union uses data from website visits to personalize marketing and triple conversions.
Embedded Finance Is the Biggest Growth Opportunity Banks Have
To avoid disintermediation, financial institutions must build embedded finance solutions that will grow deposits and loans.
In a Superapp Race, Apple’s Far Ahead of Twitter & Everybody Else
As Twitter revives its superapp dream, consider that Apple might already be one. It's not a copy of WeChat or AliPay, but a uniquely American take.
There’s a New Way to Fight the Fraud Butterfly Effect
A new, more destructive form of fraudulent activity has emerged: The Butterfly Effect. Here’s how banking data can provide protection for account holders, even when they unwittingly give crooks access to their account.
Green Dot Plans Big Push for Direct-to-Consumer GO2bank
This banking-as-a-service leader will put the bulk of its $50 million annual marketing budget behind its own mobile banking app to draw consumers.
The Future of Fintechs in Disrupted Times
Jeff Tijssen of Bain & Co. discusses why collaboration and partnerships between fintechs and traditional financial institutions are crucial as fintech firms reassess their business models and build resilience.
Apple Pay Later, Tech Giant’s BNPL Entry, Off to Strong Start
Apple's buy now, pay later entry is poised to give established players like PayPal, Afterpay & Klarna a run for their money, research shows.
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.
Personal Financial Management Is the Next Must-Have for Mobile Banking Apps
Banking and credit card apps without PFM features are so outdated that customer retention is going to suffer, especially with Millennials and Gen Z.
There Are Only Two Kinds of Community Banks: The Innovative & the Doomed
Industry veteran Jay Sidhu frets that time is running out for community banks to get serious about innovation. He has ideas for motivating change.
