Banking Strategies to Power Smart Decisions

View BAI Banking Strategies content, BAI research and other BAI thought leadership.

Article

Lenders benefit from proactive portfolio management and thinking beyond credit scores

Jul 2, 2024

By Carly Peroutka
With an economy still putting increased pressure on many consumers, responsible lenders are seeking ways to manage risk and avoid financial loss. In addition to everyday strain, a number of emerging influences are testing consumer durability. For example, according to the...
Consumer Banking

Report

Combating the latest security and fraud threats

Jul 2, 2024

BAI recently spoke with several prominent individuals within the financial services industry to explore the current fraud threats they are facing, and the solutions available to fend off fraudsters and educate employees....
Fraud Prevention

Article

SCOTUS moves could impact financial services regulation – what should banks do now?

Jul 1, 2024

By Rachel Koning Beals
‘Chevron’ and ‘Swipe Fees’ decisions may accelerate what’s already been a shift to court tests of banking rules.
Compliance, Regulation & Risk
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Topics

Formats

Article

Meeting customer needs at every touchpoint within the bank

Jul 3, 2024

By Rachel Koning Beals
Discover how best to position your entire organization to embrace a customer-service mindset.
Consumer Banking

Job Aid

CFPB Required and Recommended Policies and Procedures

Jul 1, 2024

In this article, BAI highlights both required and recommended policies and procedures businesses should have to demonstrate they are operating within the guidelines to avoid being fined or issued consent orders or enforcement actions....
Compliance, Regulation & Risk

Webinar

Supporting small businesses: How banks can do their part

Upcoming: Jul 17, 2024

In this webinar, Holly Hughes, BAI CMO, will share the latest BAI Banking Outlook small business banking trends and host a conversation with Brian Keefe, Senior Pre-Sales Consultant at NICE Actimize, about meeting the financial needs of small businesses and...
Business Banking

Article

‘Digital first’ isn’t enough — banks and credit unions must differentiate in a crowded field

Jun 28, 2024

By Rachel Koning Beals
Customer-facing digital strategies have grown up. Just in time, too. Here comes mobile-tethered Gen Z, growing into their own sophisticated banking needs.
Consumer Banking

Article

Many homebuyers feel shut out of the market. How can banks help?

Jun 27, 2024

By Mary Ann Rood
Interest rates aren’t coming down fast enough to appease buyers and sellers are digging in. Here’s how mortgage lenders can help inexperienced borrowers.
Consumer Banking

Article

Anticipating a cashless society

Jun 26, 2024

By Jonas Hedman, Edmund Lawler
A professor weighs the benefits and burdens of a strictly digital economy and its impact on banks.
Technology

Webinar

Payments hub: Automation for the future

Upcoming: Jul 24, 2024

A centralized payment processing solution can transform your operations with payments orchestration that provides cross-rail visibility to performance, liquidity and cash flow. Join us for this demonstration to see how Alacriti’s Orbipay Payments Hub can revolutionize your payment operations....
Payments

Whitepaper

Quick Q&A on tapping data and AI to grow deposits

Jun 26, 2024

Attracting deposits shouldn’t hinge on interest-rate market whims. Foundational upgrades that smartly leverage data, ease the customer experience, and still support healthy bank margins, can be an investment well spent. As the advisor in our spotlight maps out, it’s now...
Technology

Article

How generative AI can transform banking CX — it starts with more productive post-call work

Jun 25, 2024

By Rahul Kumar
Worried about AI risk? Tap “human-in-the-loop” trainers who remove misleading hallucinations.
Technology

Article

Why boosting loan application volume is critical in a tight market

Jun 24, 2024

By Jeff Grobaski
An overly cautious approach can create a vicious cycle for a downbeat local economy. Instead, diversify lending portfolios with data-informed decisions.
Consumer Banking

Article

Mind-money connection: More than 50% say finances trigger stress, anxiety or depression

Jun 21, 2024

By Rachel Koning Beals
Jenius Bank survey shows shifting view of being “rich” away from material possessions to life experiences, while social media is popular for financial advice.
Consumer Banking

Article

This South Florida banker can teach us all about serving a dynamic market

Jun 20, 2024

By Rachel Koning Beals, David Druey
Centennial’s David Druey talks tariffs, higher-for-longer rates and learning more about insurance than ever before.
Business Banking

Whitepaper

10 ways a commercial banking platform drives business success

Jun 20, 2024

As businesses increasingly demand tailored solutions to meet their complex financial needs, the time is now for banks to prioritize primacy and deliver comprehensive services through a dedicated commercial platform....
Business Banking

Whitepaper

2024 Collections Industry Pulse: Insights and trends

Jun 20, 2024

In the evolving landscape of collections and loss mitigation, understanding the operational challenges and emerging trends is crucial for developing effective strategies....
Consumer Banking

Webinar

Fraud trends to watch

Upcoming: Jul 9, 2024

The BAI Banking Outlook industry survey included a number of insights on current and emerging fraud threats. In this webinar, you’ll gain insights into the latest fraud trends and better understand why fraud mitigation is a top priority for financial...
Fraud Prevention

Article

Create seamless digital loan experiences with advanced verification tech

Jun 18, 2024

By Joel Sequeira
Flexible, end-to-end verification solutions help lenders keep pace with innovation and onboard borrowers quickly.
Technology

Job Aid

Key Questions to Consider When Developing Policies and Procedures

Jun 18, 2024

Learn more on how to properly develop organizational policies and procedures, download BAI’s "Key Questions to Consider When Developing Policies and Procedures" today!...
Compliance, Regulation & Risk

Article

What makes CRE risk in 2024 and beyond different from recent bank failures?

Jun 17, 2024

By Kelly A. Brown, Rachel Koning Beals
Ampersand’s Kelly Brown talks balance sheets, diversification and more.
Compliance, Regulation & Risk

Article

Be ‘chatty’ and tailor campaigns: 5 ways traditional banks can leverage AI

Jun 13, 2024

By Anne Jung
Taking CX to the next level requires learning to love artificial intelligence.
Technology

Article

The next phase in digital banking is scalable personalization. And that calls for real people.

Jun 13, 2024

By Steven Mattus
By automating repetitive tasks, wealth managers within the bank have time to connect with clients and grow new business segments.
Technology

Job Aid

Identifying and Preventing Check Fraud

Jun 12, 2024

BAI has developed a document to help financial services organizations understand different types of check fraud and scams as well as provide resources on the components of a check and how to identify and prevent fraud....
Compliance, Regulation & Risk