Banking Strategies to Power Smart Decisions

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

Report

Innovations in Lending Services

Apr 11, 2024

For sure, the interest-rate climate, deposit health, regulatory changes and other market dynamics influence lending. But it’s the enterprise strategies for unlocking smarter processes, finding consumers where they transact, and safely speeding up access to financing that populate the April...
Consumer Banking

Article

Smart marketing and data leveraging in 2024’s financial services landscape

Mar 28, 2024

By Stephenie Williams
This year, an election and the Olympics make for a crowded messaging space, while interest-rate whiplash may confuse customers. Here’s how to strategize.
Consumer Banking

Article

From playlists to portfolios: There’s power in personalizing bank customer relationships

Mar 26, 2024

By Joseph Mearn
Consumers desire a banking journey that mirrors their individual story—one that guides and supports them through life's financial ebbs and flows.
Consumer Banking
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Topics

Formats

Article

Is the bank branch’s reality virtual?

Apr 26, 2024

By Dawn Wotapka
Proponents say the metaverse is revolutionary. For banks, this might include transactional, retail and gaming VR experiences with a few familiar aspects of traditional branches.
Consumer Banking

Report

State of the U.S. Deposit Market

Apr 25, 2024

U.S. banking deposits continue to be impacted by post-pandemic economic turbulence. This analysis tracks key trends in the U.S. bank deposit landscape among both consumers and small businesses, covering 2023 and the first financial quarter of 2024....
Business Banking / Consumer Banking

Article

Transform your people before you transform your branches

Apr 22, 2024

By Katherine Regnier
“Trying to transform your branches without transforming your people first is like giving someone without a license a new car,” says Aaron Young, senior vice president of retail banking at Credit Union of Southern California (CU SoCal)....
Consumer Banking

Article

From interactive teller machines to high-tech signage, more branches go digital

Apr 19, 2024

By Katie Kuehner-Hebert
ITMs are in and tablet bars are out. Self-service features aren’t only about efficiency—they must enhance the customer experience.
Consumer Banking

Article

More science than art: A 3-part formula for greater banking CX

Apr 17, 2024

By David Ritter
Banks need a solid strategy to improve their customer experience to grow deposits.
Consumer Banking

Article

Multigenerational households want more personalized banking options

Apr 16, 2024

By Bentzium (Bentzi) Aviv
Multigenerational families have unique financial services needs. Transparency and insight emerged as a critical pain point, Amdocs finds.
Consumer Banking

Article

3 strategies – starting with fast onboarding – to help banks boost deposits

Apr 8, 2024

By Har Rai Khalsa, Mark Leher
Customer attraction should not come at the expense of deepening existing relationships via highly engaged digital offerings.
Consumer Banking

Article

‘The Great Deposit Refinance’: Revolutionizing depositor engagement in banking

Apr 5, 2024

By James White
Sit out the rate war and instead use personalized communications that put the focus on a depositor’s overall financial health.
Consumer Banking

Webinar

State of U.S. Deposits

Upcoming: Jun 12, 2024

In this presentation, informed by BAI's latest consumer and small business weekly deposit data and our team of industry analysts, we will address the latest trends in deposits and what we expect to unfold this year and into 2025....
Business Banking / Consumer Banking

Article

Trillions in wealth is changing hands. How should banks capitalize?

Mar 21, 2024

By Rachel Koning Beals, Steven Ramirez
Our Q&A with marketing expert Steven Ramirez digs into the early years of an inheritance handoff from Baby Boomers to digital-first generations.
Consumer Banking

Article

3 tactics for deposit marketing in 2024’s (still) competitive landscape

Mar 20, 2024

By Terry Cole
Lean on your data, you may find untapped opportunities among checking-only or loan-only customers.
Consumer Banking

Article

‘Digital’ is the love language of Gen Z and Millennial primacy

Mar 18, 2024

By Rachel Koning Beals
Forget what you thought you knew about customer primacy. Digital convenience, not interest rates or product roster, is how to attract and keep younger users.
Consumer Banking

Article

Overcoming the allure of ‘hot money’

Mar 14, 2024

By Edmund Lawler
Banks have options to attract and retain deposits in a seductive, high-rate environment.
Consumer Banking

Report

Evolution of banking branches

Mar 14, 2024

Even as bank customers increasingly opt for digital features, the top-notch service and product expertise they selectively demand from branches remains....
Consumer Banking

Article

How FAB&T partners with student athletes for marketing, financial empowerment and giving back

Mar 6, 2024

By Mark Wilson
Student athletes can now monetize their name, image and likeness, or NIL. That brings an opportunity for banks, and some risks to consider.
Consumer Banking

Webinar

State of U.S. Deposits

Recorded: Mar 19, 2024

Join us for the March installment of the state of U.S. deposits webinar series to learn the latest consumer and small business industry trends. To help financial services leaders navigate current market conditions, BAI Research leverages insights from financial services...
Business Banking / Consumer Banking

Article

How dealmakers will navigate the current bank M&A market

Feb 23, 2024

By Michael Keeley
Whether a bank is a potential buyer or seller, reducing the institution’s risk profile should be a paramount priority.
Consumer Banking

Report

Top trends and challenges for 2024

Feb 20, 2024

Growing deposits, attracting new customers, and improving the customer digital experience are top of mind for financial services organizations. BAI surveyed over a hundred banking leaders, plus more than 1,000 consumers, to provide banking leaders with actionable insights to make smart decisions amid the challenges that lie ahead this year.
Consumer Banking

Infographic

Banking outlook for 2024 and beyond

Feb 16, 2024

Today's financial services organizations face uncertainty due to industry shifts, mounting competitive pressures and new federal regulations. To help them better navigate this environment, BAI research recently conducted a survey of financial services leaders and 1,000 consumers to get a sense of the banking outlook for 2024 and beyond as well as the emerging trends that will shape the year ahead.
Consumer Banking

Article

In the race for deposits, speed and convenience matter to customers

Feb 14, 2024

By Nima Ghamsari
Bankers still spend too much time on data entry and manual verifications, and not enough time on relationship onboarding.
Consumer Banking

Report

Strategies for customer growth, deposits & retention

Feb 8, 2024

The timing of an interest-rate change is anyone’s guess. That means your time is better spent on smart, longer-view strategies for growing deposits and pulling in customers who will stay with you for the bulk of their banking needs and...
Consumer Banking