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Enactment of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) and the Office of the Comptroller…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Marketing & Sales, Payments, Regulatory, Risk
Is banking ready to trust artificial intelligence (AI) to teach? Supplementing learning and development programs for financial institutions with trained…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Fraud, Regulatory, Risk, Technology
The deposit picture is getting a little better, but nobody should mistake that for a boom. In ProSight’s latest “State…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Market Risk, Marketing & Sales, Technology
Fraud education does not have to live in the background—buried in generic emails, statement inserts, or website fine print. For…
- Community Banks, Consumer Banking, Customer Experience, Fraud, Marketing & Sales, Risk
The scale and sophistication of consumer scams in today’s digital economy are staggering. Globally, losses related to these scams reached…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Operational Risk/Enterprise Risk, Regulatory, Technology
The irony of artificial intelligence (AI) is that it might just bring a human sensibility back to a world gone…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Operational Risk/Enterprise Risk, Technology
As we approach 2026, small banks and credit unions face an increasingly hostile fraud landscape shaped by AI‑powered scams, rapid…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Operational Risk/Enterprise Risk, Technology
Artificial intelligence (AI) has reached an inflection point in financial services. As we approach 2026, financial institutions are no longer…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Operational Risk/Enterprise Risk, Technology
Hardly a day goes by without each of us transacting with a small‑ to medium‑sized business (SMB). From dry cleaners…
- Business Banking, Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Operational Risk/Enterprise Risk, Technology
Consumers want lower fees, better rates and cash incentives to switch financial institutions as concerns about affordability and economic prospects…
- Business Banking, Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Operational Risk/Enterprise Risk, Technology
Branches are important community anchors for banks, even as customers increase the use of digital services for completing everyday financial…
- Business Banking, Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Operational Risk/Enterprise Risk, Technology
Banks expect to grow deposits next year as they invest in upgrading digital services and defending against the growth in…
- Business Banking, Commercial Banking, Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Operational Risk/Enterprise Risk, Technology
Enterprises are discovering what the hype around generative AI (gen AI) can sometimes obscure: large language models are convincing but…
- Community Banks, Digital Banking, Operational Risk/Enterprise Risk, Technology
Banking leaders have reached a critical inflection point in customer engagement. Contact centers, once seen as cost‑heavy necessities, are…
- Business Banking, Community Banks, Consumer Banking, Digital Banking, Operational Risk/Enterprise Risk, Technology
The course of open banking is shifting fast, driven by new or altered regulations, evolving consumer expectations, and competitive pressure…
- Business Banking, Commercial Banking, Community Banks, Customer Experience, Digital Banking, Regulatory, Risk, Technology
You’ve probably heard the phrase “Don’t put all your eggs in one basket.” In financial services, diversifying can be a…
- Commercial Banking, Community Banks, Digital Banking, Fraud, Risk, Technology
The proliferation of AI and cyber risk is driving huge fraud losses at banks. At the same time, however, banks…
- Community Banks, Digital Banking, Fraud, Operational Risk/Enterprise Risk
Branch leadership can think creatively even when it comes to one of the most serious issues facing banking today: minimizing…
- Community Banks, Consumer Banking, Customer Experience, Fraud, Marketing & Sales
Property and casualty insurance costs are moving from background expense to front-line credit issue. Rising premiums and shrinking availability are…
- Commercial Banking, Community Banks, Compliance, Consumer Banking, Credit Risk, Operational Risk/Enterprise Risk
Banks rely on headline economic statistics to shape strategy, underwriting, and stress testing. But what if those numbers no longer…
- Commercial Banking, Community Banks, Consumer Banking, Credit Risk, Market Risk, Model Risk, Technology
Branch closures are slowing to a crawl—and banks are getting more intentional about what physical presence means in an omnichannel…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Strategic/Disruption Risk
If you’ve been feeling like you’re working twice as hard to move the needle on deposits lately, you’re not alone….
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Technology
Earlier this week President Trump said he believes the conflict in Iran could last “four weeks,” while Chairman of the…
- Community Banks, Compliance, Credit Risk, Geopolitical/Political Risk, Payments, Regulatory, Risk
ATM jackpotting crime is surging. The Federal Bureau of Investigations warned banks in a February advisory that of the…
- Business Banking, Community Banks, Consumer Banking, Digital Banking, Fraud, Internal Audit, Risk, Technology
In 2025, the U.S. economy remained strong, notwithstanding a surprisingly low 1.4% increase in GDP in the fourth quarter. Woven…
- Commercial Banking, Community Banks, Consumer Banking, Credit Risk
ProSight recently spoke with three subject matter experts who were instrumental in the creation of its 2026 CRO Outlook Survey…
- Commercial Banking, Community Banks, Compliance, ESG, Fraud, Regulatory, Risk
The cost of insurance has risen dramatically in recent years, and in some markets it is less available. As a…
- Climate Change Risk, Community Banks, Credit Risk, ESG
Gene Ludwig served as the 27th Comptroller of the Currency of the U.S. under President Bill Clinton. As a seasoned…
- Business Banking, Commercial Banking, Community Banks, Consumer Banking, Risk
The January 20 date that President Trump initially proposed to start a 10% cap on credit card interest rates may…
- Community Banks, Compliance, Consumer Banking, Credit Risk, Regulatory
As U.S. banks develop their playbook for 2026, record-setting levels of credit card and auto loan debt are top of…
- Business Banking, Commercial Banking, Community Banks, Consumer Banking, Credit Risk, Market Risk
Love gives, love takes—sometimes it lowers our guard. Fraudsters know it. For people seeking companionship, romance and confidence scams exploit…
- Community Banks, Compliance, Consumer Banking, Customer Experience, Fraud, Internal Audit, Marketing & Sales, Payments, Regulatory, Risk, Talent Management, Technology
Can risk practices improve when “servant leadership” is a bank’s prevailing personnel management style? This approach urges supervisors, including department…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Credit Risk, Customer Experience, Digital Banking, Regulatory, Risk, Talent Management
As geopolitics, trade policy, supply chains, interest rates, or any yet undetermined test lurking around the next corner challenge banks…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Fraud, Internal Audit, Regulatory, Risk, Technology
Over the last few years, ProSight and RMA have made significant steps to highlight the widening of the industry’s focus…
- Community Banks, Digital Banking, Operational Risk/Enterprise Risk, Strategic/Disruption Risk, Technology
When financial institutions and, really, almost anyone referenced “artificial intelligence” from 2023 to 2025, they likely meant “generative,” or “gen,”…
- Commercial Banking, Community Banks, Risk, Technology
In each issue of The ProSight Journal, veteran workout leader Jason Alpert gives advice on thorny workout challenges. Have a…
- Commercial Banking, Community Banks, Credit Risk
ProSight Financial sat down with John Silvia, founder of Dynamic Economic Strategy and formerly chief economist at Wells Fargo, for…
- Commercial Banking, Community Banks, Regulatory, Risk
Many Americans still write checks for at least some transactions—a preference that leaves consumers and financial institutions exposed to mail…
- Business Banking, Commercial Banking, Community Banks, Customer Experience, Digital Banking, Fraud, Regulatory, Risk, Technology
Community bank credit leaders are managing an unusually wide set of pressures—from AI-powered fraud to shifting tariffs, CRE uncertainty, and…
- Community Banks, Digital Banking, Fraud, Risk, Technology
Branch banking’s obituary was premature. ProSight’s latest Perspectives report finds branches still matter most for “difficult or complex transactions”—often the…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Marketing & Sales, Technology
A version of this Q&A originally ran in the October Executive Report. Explore the issue, Compliance and Risk: Building Operational…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Digital Banking, Fraud, Regulatory, Risk, Technology
Declining alcohol consumption among younger age groups is reshaping the financial outlook of the nation’s breweries, wineries, and distilleries, and…
- Commercial Banking, Community Banks, Credit Risk
Financial and operational risks are accelerating at North America’s banks, driven largely by sophisticated criminal schemes and banks’ technology exposure…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Fraud, Regulatory, Risk, Talent Management, Technology
Chief risk officers from leading financial services companies highlighted the growing interconnections of risk in banking and the importance of…
- Commercial Banking, Community Banks, Compliance, Fraud, Regulatory, Risk
Geopolitical risk is no longer something only global banks need to track. A recent ProSight article by Matt Schiavenza describes…
- Commercial Banking, Community Banks, Compliance, Regulatory, Risk, Technology
In recent years, the post-World War II pact guiding global affairs has begun to come apart. Trade friction is a…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Digital Banking, Fraud, Payments, Regulatory, Risk, Technology
Community bank leaders are heading into the new year focused on three things: fast-changing fraud, a long credit cycle with…
- Community Banks, Customer Experience, Marketing & Sales, Payments, Risk, Technology
Community banking leaders live, work, and invest alongside the businesses, families, and individuals they serve. That’s a competitive advantage when…
- Commercial Banking, Community Banks, Customer Experience, Digital Banking, Fraud, Marketing & Sales, Risk, Talent Management, Technology
In an age when cyberattacks and data breaches dominate headspace, several high-profile incidents—from workplace violence to threats against corporate executives—have…
- Community Banks, Customer Experience
Deposit Rates and an Easing Fed: A Contrarian View Banks usually cut deposit rates during Federal Reserve easing cycles, including…
- Community Banks, Consumer Banking, Customer Experience, Marketing & Sales