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Payments Are the Engine for Growth in Community Banking

The environment for community banking is undergoing massive disruption.  For one, the definition of “primary financial institution” has changed. Traditionally, a consumer’s primary bank was the financial institution holding any combination of their mortgage, auto loans, and direct deposit checking account.  It harkens back to a time when most consumers had relationships with one or […]

Beyond Acquisitions: Driving Profitable Growth Through Deeper Relationships

For years, financial institutions treated growth as a numbers game—more accounts, more campaigns, more applications, more reach. That playbook is showing its age.  Today, the financial institutions best positioned for profitable growth are converting demand more effectively, funding relationships faster, retaining balances longer, and expanding wallet share with greater precision. Growth has moved beyond the […]

The 2026 ProSight State of Fraud Prevention Survey Report: Escalating Threats and Evolving Defenses

Download Full Survey Report ProSight Financial Association fielded its initial State of Fraud Prevention Survey in summer 2026. Bank and credit union leaders working in business lines, compliance, cybersecurity, finance, fraud prevention, information technology, legal, and risk were among the 125 banking professionals from institutions throughout North America who completed the survey. The institutions they represent include credit unions […]

Building for Intelligence: From Data to Decision in Banking

How quickly and confidently institutions make decisions increasingly defines competitive advantage in banking. At the same time, the operating environment is becoming more demanding. Competition from fintechs and private credit is intensifying, customer expectations are rising, and risks from cyber fraud are increasing, just as the regulatory environment is changing.   Yet many banks are still […]

Profitable Growth Starts With Better Relationship Math

Banks can still grow by opening accounts, gathering deposits, and launching products. But a new account is only the starting line. The value shows up later: when the customer keeps money at the bank, moves money through the bank, adds services, and gives the institution a bigger role in their financial life.  That calculation is […]

Where Lending Deals Get Stuck

Commercial lending friction rarely comes from one dramatic breakdown. More often, it shows up in smaller places: a deal that never fit the bank’s strategy, data sitting in different systems, a credit memo that sends committee members hunting for the same information, or a monitoring signal that arrives too late to be useful.  Blake Coules, […]

Synthetic Identity Has Entered Its AI Phase

Synthetic identity fraud has been a banking problem for decades. AI is now making it faster to create, easier to scale, and harder to challenge with familiar controls. Criminals can assemble fake identities, generate documents, create deepfake faces and voices, and push those identities through digital onboarding and authentication controls.  For banks, the problem can […]

What Data Centers Really Bring to a Market

Data centers can look like instant economic development: large sites, big construction budgets, new infrastructure, and plenty of attention from local officials, developers, and business owners.  The reality is more uneven. A data center can reshape a local market, but the strongest effects may arrive during the build-out, not after the facility is running. That […]

Fraud Trends Crucial to Understand in 2026

Americans lost $196 billion to fraud last year, up from $163 billion in the previous year. As financial institutions of all sizes contend with this ever-growing threat in all its forms, it’s important to stay abreast of evolving trends and regulatory responses.  While the tactics and terminology of financial crime may change, many of the […]

How Consortium Data Is Changing Commercial Fraud Defense

Fraud in commercial banking is evolving faster than most financial institutions’ ability to fight it. Banks increasingly are searching for ways to strengthen their fraud prevention tactics and are turning to consortium data, or shared intelligence across multiple institutions, as a powerful tool.   Consortium data provides insights, signals, and behavioral patterns no single institution could […]

When AI Shortens the Cybersecurity Clock

The cybersecurity response window is shrinking. AI can help defenders at financial institutions find vulnerabilities, suggest fixes, and draft new security-monitoring rules faster. It can also help attackers discover weaknesses, chain them together, and shrink the time banks have to respond.  That puts new pressure on vulnerability management. Traditional programs were built around a slower […]

Where Data Center Risk Can Hide in the Portfolio

A data center may arrive as one giant project, but the credit effects can spread well beyond the site itself.  The boom can change local labor costs, land values, infrastructure needs, housing demand, municipal decisions, and borrower behavior. That means exposure may show up even when the bank is not financing the data center itself.  […]

New Currency, Same Dangers: Stablecoins and Familiar Risk Vectors

Financial institutions exploring stablecoin strategies available to them under the GENIUS Act face a host of risk management challenges as digital-asset fraud continues to rise.  Using the tactics of conventional fiat currency fraud, alongside new methods designed specifically for targeting on-chain payment networks, fraudsters stole an estimated $17 billion through crypto scams and fraud in […]

Where AI Is Helping Risk and Compliance Teams

For risk and compliance teams, the early value of artificial intelligence is showing up in familiar operational pain points: summarizing large volumes of information, spotting patterns across risk data, preparing for risk and control self-assessments, and giving experienced teams more time for judgment.  In the ProSight Executive Report, “AI Innovation in Banking,” Frank Devlin’s article […]

Make Valuation Reviews Match the Risk

Real estate valuation review can slow a deal for good reasons. It can also slow a deal because it adds too much process, even to low-risk transactions; sends minor issues back to appraisers or evaluators; or treats every file as though it deserves the same level of review.  In an article on more effective valuation […]

When Risk Moves Faster Than the Model

Quantitative models remain essential to bank risk management. They give structure, consistency, and discipline to decisions across credit, market, operational, and enterprise risk.  They also have limits. In a volatile environment shaped by geopolitical fragmentation, fast-moving technology, cyber threats, and financial crime, historical data may not fully capture what comes next. Qualitative tools, meanwhile, can […]

Bring Internal Audit in Earlier—With Boundaries

Internal audit can be easy to miscast: the team that arrives late, asks for evidence at the worst possible time, and leaves behind a list of findings. When that happens, the relationship becomes defensive—and the institution loses a chance to use audit insight earlier in the risk cycle.  In a recent ProSight webinar, Janice E. […]

When Supplier Risk Won’t Wait

Supplier risk does not wait for the next annual review. Vendors change, subcontractors enter the picture, cyber and financial signals move, and risk teams are left trying to decide which alerts deserve attention.  For Spencer Funke, head of third-party risk management at Edward Jones, earlier visibility buys something every risk team needs: time. “One of […]

The Many Faces of Artificial Intelligence in Bank Fraud

AI has dramatically lowered the barrier to entry for fraudsters, who are now attempting attacks like account takeovers (ATO) and synthetic identity fraud at unprecedented speed and scale, resulting in billions of dollars in losses for financial institutions. At the same time, banks and credit unions are using AI tools for anti-fraud defenses like real-time […]

More Effective Valuation Review Strategies

Adapting to a more risk-focused valuation review process can enable lenders to close real estate deals faster while ensuring that they meet regulatory standards. Here are four “Cs” to keep in mind to strengthen your valuation-related review strategies:  The First ‘C’: Comply with Regulatory Expectations  There are two key regulatory references regarding the scope of […]

Quantitative and Qualitative Risk Measurement: Why Balance Matters in Uncertain Times

Driven by rising geopolitical fragmentation, transformative technology, and the increasing complexity and escalation of cyber threats and financial crime, financial institutions are reassessing their approach to risk measurement. To avoid falling behind competitors and potentially missing key risk indicators, firms must supplement traditional quantitative analysis with qualitative assessment.   Indeed, in today’s volatile and uncertain markets, […]

Help Shape the Industry’s Risk Outlook

Risk is moving fast—and not always in tidy categories.  Cybersecurity, fraud, AI, credit, regulation, third-party exposure, operational resilience, and efficiency pressure are increasingly tangled together. For banks, the priority is to understand which risks require attention now, which ones are gaining momentum, and whether risk functions are adapting quickly enough.  That is the purpose of ProSight’s Risk Outlook Survey, which […]

Aligning People and Processes in Credit Workflows

Operational excellence in banking means aligning people and processes to act decisively on reliable information. In a complex, regulated environment, consistency is as important as speed. Artificial intelligence (AI)-enabled credit workflows built on solid data can become powerful enablers, helping relationship managers, risk officers, and executives detect risk earlier, respond consistently, and protect portfolio health.  […]

The Secret Behind Banks That Deliver Great Experiences

Mid-year is a natural time for banks to pause, reflect, and reset. What successes can they build on? Which challenges require a different approach? And how can they continue driving financial growth and value while preserving trust and loyalty with their customers? This self-assessment is critical for an industry at a pivotal moment as expectations […]

The Innovation-Risk Paradox: Moving Beyond Pilots to Production-Grade AI

Operational discipline and balance sheet protection are overtaking experimentation as the second half of 2026 approaches. While the promise of generative AI has been immense, the reality is increasingly sobering: despite big investments, 95% of generative AI business efforts are failing to reach production, research from MIT NANDA reveals, with only 5% achieving meaningful revenue […]

Banks Offering Backup Programs for Financially Stressful Times

Banks and credit institutions exploring creative ways to connect with customers are finding that onsite employee benefit programs anchored in financial wellness prove their worth in deposit growth, wealth services, and more.  Research shows that an increasing number of lower- to middle-income workers would struggle to cover a $400 emergency. Without savings, many will tap […]

The Talent Revolution of Artificial Intelligence

Artificial intelligence is rapidly reshaping how work is performed within the banking industry, altering roles, skills, productivity expectations, and operating models across the industry. While much of the public discussion has focused on technology adoption, leading research suggests that the more dynamic transformation is occurring within the banking workforce itself.   Over the next three to […]

Lender Liability Often Starts With Good Intentions

Most bankers understand lender liability in concept. The harder part is recognizing how easily it can develop in an ordinary borrower relationship.  In a recent ProSight article, Jason Alpert and Martin Knaust describe lender liability with a simple formula: (Loan + Duty) x Breach = Damages. Duties may come from loan documents, common law expectations such as […]

Regulatory Change Puts More Weight on Bank Judgment

Bank regulation is shifting, but the message for senior leaders is not simply “less” or “more.” The more useful word may be “targeted.”  In a recent ProSight webinar, S&P Global Ratings managing directors and sector leads Stuart Plesser, Giles Edwards, and Nicolas Charnay described a regulatory landscape moving at different speeds across the U.S., Europe, […]

Banking the Entrepreneurial Transition

BTomorrow’s business customers may already be sitting inside today’s retail account base. They may be taking payments for a side hustle, testing a business idea after work, selling services through social media, or building a microbusiness that has not yet found its way into a formal business banking relationship.  In two ProSight Q&As, Chris McNulty, […]

Article 9 Sales Can Save Time—If the Process Holds Up

When a borrower is out of cash, collateral values are thin, and bankruptcy looks too slow or expensive, an Article 9 sale can be a valuable workout tool. It can also create new problems if the bank treats speed as a substitute for process.  In ProSight’s latest “Ask the Workout Window,” veteran workout leader Jason […]

The Quest for Deposits in Uncertain Times

Affluent customers and small businesses are driving growth in bank deposits at a time when the path of interest rates remains uncertain and inflation erodes the saving power of the mass market. Full-year totals on December 26 in ProSight’s State of the U.S. Deposit Market report showed deposit balances for 2025 higher than those over […]

From Hindsight to Foresight: Turning Early Warnings into Resilience Across Banking

The challenge for most banks is not in identifying risk but in responding to it early enough to change outcomes. By the time traditional indicators confirm something is wrong, remedial options have narrowed, and earnings pressure and supervisory scrutiny have intensified. In a fast-moving, interconnected industry, timing is a defining advantage for bank leadership.  This […]

Squeezing Expenses, Safeguarding Revenue: Making Smart Tradeoffs in Efficiency Management

High bars in compliance, complexity, and customer satisfaction challenge financial institutions’ ability to cut costs, despite the industry’s tenacious push for efficiency and productivity. Running a business model built on trust and safety is expensive, and tradeoffs between belt-tightening and growing revenue don’t always yield the expected outcomes, as banks have learned.  Instead of separating […]

Lender Liability: Where Good Intentions Go Wrong

Bankers expect to be repaid on their loans, but what happens if their borrowers have been harmed (or think they have been harmed) by a bank during the origination or servicing of the asset? Lender liability is one of those topics that tends to surface during banker training sessions, legal reviews, or after something goes […]

How Well Do You Know Your Digital Customer?

Digital account opening has grown into one of the industry’s most important acquisition channels, with 48% of Gen Z and Millennial consumers combined having opened an account online. But growth alone does not tell the full story. How many of those customers complete and fund the account? Who is being acquired? And how do their […]

The Model Risk Questions Senior Leaders Should Be Asking

Banks increasingly depend on models and analytical tools to support important decisions—from current expected credit losses and asset/liability management to cybersecurity applications, non-model tools, and emerging AI systems. That makes model risk management part of how institutions understand, challenge, and control the tools shaping risk across the enterprise.  ProSight’s Annual Survey on Model Risk Management, conducted […]

Fraud Strategy Needs a Generational Lens

Fraud prevention often starts with a familiar assumption: Older customers need the most protection. That is true in one important sense—older victims can suffer much larger losses when fraud succeeds. But an article by Cara Wick, a financial crimes compliance executive at Bank of America, makes a useful correction: Younger consumers are being hit hard, too, […]

When Fake Documents Look Real, Manual Review Falls Short

Fraud teams used to be able to catch manipulated borrowing applications by spotting mistakes: an odd format, a questionable pay stub, a detail that did not quite hold together. AI is making that harder.  In a ProSight Banking Trends webinar on AI-driven fraud, moderated by Jason Bartolacci, director of the ProSight Fraud Alert Network, Matt Overin, manager of fraud risk […]

Hidden Opportunities: How Banks Can Win More Small Business and Gen Z Relationships 

This article is part of ProSight’s series on the growing overlap between consumer and business banking as more Americans pursue side hustles, entrepreneurial ventures, and multiple income streams. For community banks and credit unions, these trends present an opportunity to engage future business customers earlier in their journey. In this Q&A, Chris McNulty, Director of […]

Beyond Personal Banking: Meeting Customers Where Entrepreneurship Begins 

As part of a series of ProSight articles on how financial institutions can better serve Gen Z consumers and the growing population of side hustlers and entrepreneurs, this Q&A explores the evolving intersection of consumer and business banking. With more people launching small ventures, developing multiple income streams, and testing business ideas alongside traditional employment, […]

Using an Article 9 Sale to Maximize Recovery

In each “Ask the Workout Window,” veteran workout leader Jason Alpert gives advice on thorny workout challenges. Have a challenge you would like Jason to address? Send your question to [email protected].    QUESTION: Our borrower is a small, branded consumer products company that’s out of money. We have a $4.25 million revolving line of credit (fully drawn and in default) secured by all […]

The Issues Management Blueprint

Today, as financial institutions contend with everything from geopolitical hazards and AI-driven transformation to regulatory volatility and evolving models for credit risk, it is critical to have a comprehensive and timely plan for resolving issues.  This is where issues management—the process of identifying, tracking, managing, and resolving issues related to operational, compliance, credit, and regulatory risk—comes into play. Indeed, effective enterprise risk management is not feasible without a consistent […]

Build Around the Customer, Not the AI Tool

AI may be changing the tools available to banks, but Chris Stanley’s message gets back to basics: Start with the customer’s need and profile, then work backward.  In a recent episode of the ProSight Banking Strategies Podcast, Stanley, banking industry practice lead at Moody’s, explained how banks and credit unions can deliver faster financing and risk decisions without […]

How Banks Can Make Deposit Incentives Pay Off

Deposit incentives can still attract attention. The harder question is whether they attract the right customers—and whether those relationships last long enough to justify the cost.  In the July ProSight Executive Report, “Profitable Growth in Banking,” the ProSight research team examines why incentive strategy has become a more exacting exercise. While 82% of financial institutions expect positive deposit growth […]

How Commercial Lenders Can Move Faster Without Cutting Corners

Commercial borrowers increasingly expect fast, tailored answers. Banks now need lending processes that can deliver speed, clarity, and customization while keeping credit discipline intact.  In a recent ProSight Banking Trends webinar, Matt Bryant, executive vice president and director of credit risk at Frost Bank, and Omar Akkor, senior director of banking product strategy at Moody’s, discussed how […]

Building a Multigenerational Fraud Strategy

Gen Z, it turns out, is the fraudster’s new mark.  While the industry grapples with the role of artificial intelligence (AI) in fraud, a fundamental question is whether we understand who fraudsters are actually targeting. Data from the Federal Trade Commission (FTC) indicates we may not.   The FTC’s Consumer Sentinel Network shows that 20-to-29-year-olds are more likely than older age groups to report […]

How Treasury Management Deepens Business Banking Relationships

Business banking relationships can become more valuable over time when banks understand how a company’s needs change—and build treasury management services into that lifecycle.  In the July 2026 ProSight Executive Report, Profitable Growth in Banking, Katie Kuehner-Hebert examines how treasury management can help institutions support business customers from basic banking through more complex cash management, liquidity, payments, and reporting […]

Where AI Fits in a Mature Fraud Program

The strongest fraud programs use AI to sharpen detection, reduce friction, and uncover connections across accounts, devices, identities, and transactions—while keeping people accountable for consequential decisions. That combination of automation, layered controls, governance, and human judgment is becoming increasingly important as fraudsters use the same technology to make attacks more convincing, easier to scale, and […]