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Industry Insights

Consumer Banking

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  • Growth & Innovation
U.S. consumer and small business deposit trends 2025
U.S. consumer and small business deposit trends 2025
In the latest BAI Industry Insights: State of U.S. Deposits Webinar, BAI shared key findings from a year-to-date analysis of…
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  • Growth & Innovation, Technology
Can AI give financial advice?
Can AI give financial advice?
Our Q&A explores how banks and credit unions can leverage this technology for financial wellness while avoiding one-size-fits-all solutions that…
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  • Growth & Innovation
Fortifying your fraud defenses
Fortifying your fraud defenses
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  • Growth & Innovation
How banks can appeal to a new generation of credit card clients
How banks can appeal to a new generation of credit card clients
Gen Z soaked up lessons from the financial crisis that shape how they approach debt and banking….
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  • Growth & Innovation
ProSight Banking Outlook: 2025 trends
ProSight Banking Outlook: 2025 trends
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  • Growth & Innovation
Quality deposits and a clearer digital picture
Quality deposits and a clearer digital picture
The BAI Banking Strategies podcast explores a cautiously improved deposit outlook, stubborn margins and the real story on primacy and…
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  • Growth & Innovation
2024 State of U.S. Deposits – December
2024 State of U.S. Deposits – December
Join us to close out the year strong and prepare for 2025 with the final installment of the state of…
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  • Growth & Innovation, Technology
How open banking and AI can inform digital strategies
How open banking and AI can inform digital strategies
A Q&A with Carlos Lopez of Jack Henry on the digital trends driving how FIs attract and retain accountholders….
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  • Growth & Innovation
The 2025 banking landscape
The 2025 banking landscape
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  • Growth & Innovation
Dare to be dull: PNC wants to break through with ‘brilliantly boring’ claim
Dare to be dull: PNC wants to break through with ‘brilliantly boring’ claim
Experts assess a potentially risky campaign whose focus on reliability hit in the wake of regional bank failures….
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  • Growth & Innovation, Technology
Gen AI has use cases throughout lending and credit processes
Gen AI has use cases throughout lending and credit processes
Banks and credit unions can engage generative artificial intelligence for identity verification, real-time credit monitoring, predictive underwriting and more….
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  • Growth & Innovation
Revisit SMB solutions with a focus on Gen Z entrepreneurs
Revisit SMB solutions with a focus on Gen Z entrepreneurs
Expect growing demand for cross-channel business products aimed at an underbanked Gen Z that embraces a flexible economy….
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  • Growth & Innovation
Banks can unlock revenue streams by including wealth management
Banks can unlock revenue streams by including wealth management
Customer trends, tight margins and the pull of diversification combine to boost interest in adding wealth management features….
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  • Growth & Innovation
Adapting for 2025: Strategic approaches to banking growth
Adapting for 2025: Strategic approaches to banking growth
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  • Growth & Innovation
‘Right-sizing’ deposits and the challenge of short-term CD books
‘Right-sizing’ deposits and the challenge of short-term CD books
U.S. bank deposits have not yet returned to their health of a few years ago, but they are improving. Tom…
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  • Compliance & Regulation, Growth & Innovation
Action now can limit noncompliance with a historic CRA rewrite
Action now can limit noncompliance with a historic CRA rewrite
Understand your data, track change management and find meaning in lending. It’s all part of getting to know the 1,500-page…
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  • Growth & Innovation
Banks have greater CD inventory than ever before, so now what?
Banks have greater CD inventory than ever before, so now what?
Aside from transparent pricing and policies, the best sales moves are all about good service….
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  • Compliance & Regulation, Growth & Innovation
A wobbly CRE market requires maximizing relationships and minimizing risk
A wobbly CRE market requires maximizing relationships and minimizing risk
Commercial real estate (CRE) lending concerns have a wide reach, says Baker Hill’s Mike Horrocks. Business bankers find opportunity among…
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  • Compliance & Regulation, Growth & Innovation
Managing rate cuts: 3 questions banks should be asking right now
Managing rate cuts: 3 questions banks should be asking right now
Direct attention to FP&A, team interaction and strengthening lending programs as the Fed likely continues adjusting interest rates….
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  • Growth & Innovation, Technology
The evolving legacy of community banks, a pillar of local trust
The evolving legacy of community banks, a pillar of local trust
Physical proximity is no longer a primary driver of customer loyalty. That’s why customer-centric digital channels are pivotal….
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  • Growth & Innovation
3 ways banks can seize autumn opportunities for customer engagement
3 ways banks can seize autumn opportunities for customer engagement
From college bills and seasonal home repairs, to rate uncertainty and year-end planning, this is prime time for guidance….
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  • Growth & Innovation
Why credit unions should be cautiously optimistic about the recent Fed rate cut
Why credit unions should be cautiously optimistic about the recent Fed rate cut
Since refinancing volume can lag by one or two quarters, automation can ease the pressure of tight margin positions….
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  • Growth & Innovation
Accelerating financial performance: Aligning enterprise strategy, technology and execution for CFO success
Accelerating financial performance: Aligning enterprise strategy, technology and execution for CFO success
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  • Growth & Innovation
Think of embedded payment protection as a strategy to help offset consumer loan delinquencies
Think of embedded payment protection as a strategy to help offset consumer loan delinquencies
More bankers are leveraging strategies like payment protection insurance for unforeseen financial hardship like unexpected change in employment or sudden…
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  • Growth & Innovation
The emerging trends shaping U.S. credit union finances
The emerging trends shaping U.S. credit union finances
Credit unions continue to evolve as they experience extensive digital transformation, leading to changes in operations….
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  • Growth & Innovation
A deeper look at Section 1033: Educating borrowers about open banking
A deeper look at Section 1033: Educating borrowers about open banking
Lenders can take a holistic underwriting approach that combines traditional credit data with real-time cash flow information….
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  • Growth & Innovation
How banks can optimize customer dispute resolution
How banks can optimize customer dispute resolution
Leveraging automation can improve efficiency, cut costs and reduce errors in dispute resolution processes….
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  • Growth & Innovation
2024 State of U.S. Deposits – September
2024 State of U.S. Deposits – September
Join us for the September installment of the state of U.S. deposits webinar series to learn the latest consumer and…
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  • Growth & Innovation
Banking-fintech partnerships can drive a new era of financial inclusion
Banking-fintech partnerships can drive a new era of financial inclusion
Banks and underbanked customers are both navigating issues of access….
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  • Growth & Innovation
How personalization can make loan payments easier and less risky
How personalization can make loan payments easier and less risky
With a one-click payment experience for each borrower’s needs, your lending division can significantly improve the likelihood of on-time payments….
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  • Growth & Innovation
Driven by rewards, co-branded credit cards charge ahead
Driven by rewards, co-branded credit cards charge ahead
Even as cards remain a top consumer payment choice, the rise of digital wallets risks burying an issuing bank’s brand…
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  • Growth & Innovation
State of Deposits: What’s on the horizon
State of Deposits: What’s on the horizon
BAI’s Tom Hoscheidt and Isio Nelson join Senior Editor Rachel Koning Beals on the BAI Banking Strategies Podcast to dig…
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  • Growth & Innovation
10 questions for reassessing the digital experience platform at your financial institution
10 questions for reassessing the digital experience platform at your financial institution
Best-in-class composable DXP solutions must feature security and personalization….
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  • Growth & Innovation
Banks can attract the next generation with integrated wealth management and trust services
Banks can attract the next generation with integrated wealth management and trust services
Some 7 in 10 younger customers prefer combining banking, trust and wealth management relationships….
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  • Growth & Innovation
Strategic deposit acquisition
Strategic deposit acquisition
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  • Growth & Innovation
Digital ease boosts mortgage servicing reputations through tough interest-rate stretch
Digital ease boosts mortgage servicing reputations through tough interest-rate stretch
J.D. Power satisfaction survey flags cost challenges for servicers, financial health of borrowers….
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  • Growth & Innovation
AI and automation can smooth your frictionless customer experience
AI and automation can smooth your frictionless customer experience
Best-in-class banks and credit unions prove that the smartest ROI from CX technology leverages artificial intelligence, says Aberdeen Research….
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  • Growth & Innovation
Why it pays for traditional financial services to focus on consumer-connected experiences
Why it pays for traditional financial services to focus on consumer-connected experiences
Banks and credit unions have more trust at a time when consumers are wary of sharing data with brands online….
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  • Growth & Innovation
‘The persona touch’: Can customer profiles forge deeper connections and grow deposits?
‘The persona touch’: Can customer profiles forge deeper connections and grow deposits?
Smarter data and generative AI accelerate use of personas in targeted banking interactions, but not without safeguards against bias….
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  • Growth & Innovation
Digital banking as a puzzle: Many consumer touchpoints and the goal of a seamless connection
Digital banking as a puzzle: Many consumer touchpoints and the goal of a seamless connection
Complete the picture with personalized services, operations optimization and innovative products….
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  • Growth & Innovation
Strategy Benchmark reveals industry trends and top bank and credit union priorities
Strategy Benchmark reveals industry trends and top bank and credit union priorities
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  • Growth & Innovation
Embedded finance at credit unions: Think brand first and other trends in 2024 and beyond
Embedded finance at credit unions: Think brand first and other trends in 2024 and beyond
Digital platform Union Credit predicts 3 trends in embedded finance for credit union member growth….
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  • Growth & Innovation
A better borrower experience: Bringing open banking to branches
A better borrower experience: Bringing open banking to branches
Personal identifying information (PII) authentication has a valuable role in non-digital channels….
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  • Growth & Innovation
How to respond when digital customers want fortified protection — without any trace
How to respond when digital customers want fortified protection — without any trace
Advanced consumer identity and access management (IAM) can strengthen security yet keep the experience invisible and painless on the front…
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  • Growth & Innovation
Meeting customer needs at every touchpoint within the bank
Meeting customer needs at every touchpoint within the bank
Discover how best to position your entire organization to embrace a customer-service mindset….
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  • Growth & Innovation
Lenders benefit from proactive portfolio management and thinking beyond credit scores
Lenders benefit from proactive portfolio management and thinking beyond credit scores
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  • Growth & Innovation
‘Digital first’ isn’t enough — banks and credit unions must differentiate in a crowded field
‘Digital first’ isn’t enough — banks and credit unions must differentiate in a crowded field
Customer-facing digital strategies have grown up. Just in time, too. Here comes mobile-tethered Gen Z, growing into their own sophisticated…
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  • Growth & Innovation
Many homebuyers feel shut out of the market. How can banks help?
Many homebuyers feel shut out of the market. How can banks help?
Interest rates aren’t coming down fast enough to appease buyers and sellers are digging in. Here’s how mortgage lenders can…
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  • Growth & Innovation
Why boosting loan application volume is critical in a tight market
Why boosting loan application volume is critical in a tight market
An overly cautious approach can create a vicious cycle for a downbeat local economy. Instead, diversify lending portfolios with data-informed…
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  • Growth & Innovation
Mind-money connection: More than 50% say finances trigger stress, anxiety or depression
Mind-money connection: More than 50% say finances trigger stress, anxiety or depression
Jenius Bank survey shows shifting view of being “rich” away from material possessions to life experiences, while social media is…