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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
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
Earlier in this newsletter, we examined consumer credit risk in credit cards and auto loans. Now, attention turns to a…
- Compliance, Consumer Banking, Payments, Regulatory, Risk
As banks shape their 2026 playbooks, consumer credit risk is front and center. Americans’ total credit card balance reached $1.233…
- Consumer Banking, Credit Risk, Market Risk, Regulatory, Strategic/Disruption Risk
In the wake of the Supreme Court’s 6-3 ruling Friday disallowing the International Emergency Economic Powers Act (IEEPA) as a…
- Commercial Banking, Consumer Banking, Regulatory, Risk
Tailored benchmarking data helps you compare your bank to others with a similar size, geographic footprint, target customers and product…
- Consumer Banking
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
“If your bank isn’t leveraging third party benchmarking data yet, now is the time to start.” – Matt Steenson, EVP…
- Consumer Banking
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
Competitive benchmarking is a powerful way to drive improvement and gain meaningful insights by evaluating your organization’s internal metrics against…
- Consumer Banking
The U.S. economy is “very strong,” with consumer spending and net exports supporting growth and “phenomenal” productivity, economist John Silvia…
- Commercial Banking, Consumer Banking, Risk
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
With President Trump calling for a 10% credit card interest cap to take effect Tuesday, key questions about enforcement and…
- Compliance, Consumer Banking, Customer Experience, Payments, Regulatory, Risk
Even if credit cards aren’t your day-to-day focus, the CFPB’s latest review of the consumer credit card market—which includes data…
- Compliance, Consumer Banking, Customer Experience, Digital Banking, Fraud, Payments, Regulatory, 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
Banking professionals wonder whether generative artificial intelligence (gen AI) is a poor substitute for the human touch, experience, and nuance…
- Business Banking, Commercial Banking, Compliance, Consumer Banking, Customer Experience, Digital Banking, Fraud, Marketing & Sales, Regulatory, Risk, Talent Management, 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
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
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
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
The Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act is landmark legislation aimed at creating a comprehensive regulatory…
- Commercial Banking, Compliance, Consumer Banking, Payments, Regulatory, Risk