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Industry Insights

Consumer Banking

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  • Growth & Innovation
Breaking down silos: The crucial role of data unification in financial institutions
Breaking down silos: The crucial role of data unification in financial institutions
The right approach to data that eliminates silos, delivers personalized experiences and drives efficiencies helps today’s institutions stay competitive….
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  • Growth & Innovation
For bank marketers, transaction data can lead to increased revenue
For bank marketers, transaction data can lead to increased revenue
Behaviors within digital banking including spending patterns and login behavior all produce critical signals that can inform message delivery….
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  • Growth & Innovation
4 trends in the U.S. deposits market every banker should know
4 trends in the U.S. deposits market every banker should know
As consumers and businesses continue to weather stubborn economic uncertainty, financial services leaders are keeping a watchful eye on their…
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  • Growth & Innovation
3 ways regional and community banks can win in the credit card market
3 ways regional and community banks can win in the credit card market
Regional banks can stay competitive by digitizing application processes, automating credit underwriting and fraud mitigation and investing in the right…
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  • Growth & Innovation
Communicate and educate: How banks are rebuilding trust before the next banking crisis
Communicate and educate: How banks are rebuilding trust before the next banking crisis
Banks must focus on crisis communication, ongoing financial education, and tech-powered microlearning to fully establish trust with today’s customers….
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  • Growth & Innovation
Building brand loyalty: Three reasons customer engagement programs are vital for financial institutions
Building brand loyalty: Three reasons customer engagement programs are vital for financial institutions
A focus on brand loyalty helps banks stand out from competitors, send timely offers and stay top of mind to…
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  • Growth & Innovation
How generational insights can make your credit card offerings more attractive
How generational insights can make your credit card offerings more attractive
Identifying differences in generational preferences allows banks to personalize offerings and revamp credit deliverables….
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  • Growth & Innovation
Five opportunities for community banks in an uncertain economy
Five opportunities for community banks in an uncertain economy
From prioritizing talent acquisition to real-time security, learn the five biggest opportunities for community banks in 2023 and beyond….
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  • Growth & Innovation
The 4 types of needs: The right interaction at the right time
The 4 types of needs: The right interaction at the right time
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  • Growth & Innovation
Personalized recommendations to better serve Gen Z
Personalized recommendations to better serve Gen Z
Providing specific suggestions to improve the financial health of younger customers can help banking leaders build a mutually beneficial relationship….
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  • Growth & Innovation
Does BNPL make sense for banks?
Does BNPL make sense for banks?
Deciding to enter the buy now, pay later market will depend on a variety of factors, including existing business models,…
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  • Growth & Innovation
The lines are blurring between customer service and CX
The lines are blurring between customer service and CX
By following retail’s data-driven lead, banking institutions are seeing benefits in terms of customer engagement and in the profit-and-loss statement….
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  • Growth & Innovation
Improving the chances of acquisition success
Improving the chances of acquisition success
A better understanding of consumer preferences can help banks and credit unions find new accountholders who will stay long term….
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  • Growth & Innovation
Expanding beyond traditional credit-based underwriting
Expanding beyond traditional credit-based underwriting
Lenders need to get aligned with where the industry is heading, or run the risk of missing out on potential…
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  • Growth & Innovation
You can buy new customers, but you can’t buy loyalty
You can buy new customers, but you can’t buy loyalty
To realize the full potential of their acquisition efforts, banks need to an intense focus on customer engagement to build…
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  • Growth & Innovation
How banks can help customers with their finances
How banks can help customers with their finances
The new generation of money management tools enables the development and deployment of tailored solutions that serve highly specific individual…
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  • Growth & Innovation
Focusing on the branch customer experience
Focusing on the branch customer experience
By better managing lobby traffic, allowing for appointments and quickly collecting feedback, banks and credit unions can build more enduring…
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  • Growth & Innovation
Why banks should help families break the money-talk taboo
Why banks should help families break the money-talk taboo
Michael Liersch from Wells Fargo joins us on the BAI Banking Strategies podcast with insights on how banks can help…
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  • Growth & Innovation
Addressing banking’s top business challenge
Addressing banking’s top business challenge
In the latest BAI Executive Report, we examine new customer acquisition, the leading issue identified in the 2023 BAI Banking…
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  • Growth & Innovation
The efficiencies of ATM-as-a-service
The efficiencies of ATM-as-a-service
Outsourcing networks to third parties can help ease labor concerns while expanding availability and driving greater customer satisfaction….
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  • Growth & Innovation
An industry vet’s take on the branch
An industry vet’s take on the branch
Jon Voorhees from Wells Fargo shares his thoughts on the transition from primary source of connection to a more secondary…
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  • Growth & Innovation
The long, slow transition to advice
The long, slow transition to advice
A major challenge financial institutions face is the need to develop a “hunter” mindset among branch employees who now tend…
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  • Growth & Innovation
Meeting the challenge of new customer acquisition
Meeting the challenge of new customer acquisition
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  • Growth & Innovation
The same branch, only smaller
The same branch, only smaller
Sale-partial leaseback options can help banks keep a physical presence in communities in a more cost-efficient way….
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  • Growth & Innovation
AI is setting a future course for ATMs
AI is setting a future course for ATMs
Better functionality will keep devices in service where they already exist and could help drive down costs for new operations…
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  • Growth & Innovation
Quick Q&A on Branch Transformation
Quick Q&A on Branch Transformation
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  • Growth & Innovation
Banks can help customers end ‘money talk’ taboo
Banks can help customers end ‘money talk’ taboo
A recent study found that roughly 40% of people would rather talk to their parents about their funeral plans than…
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  • Growth & Innovation, Technology
The Top Banking Trends and Challenges for 2023
The Top Banking Trends and Challenges for 2023
Financial services organizations face a variety of economic challenges, from dwindling consumer deposits to intensifying competition. Recently, BAI surveyed banking…
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  • Growth & Innovation
Today’s model branch: Technology and donuts
Today’s model branch: Technology and donuts
Banks and credit unions know that if they want to thrive in the age of nimble fintechs, they need to…
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  • Growth & Innovation, Technology
The Top Banking Trends and Challenges for 2023
The Top Banking Trends and Challenges for 2023
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  • Growth & Innovation
How’s that shift from branch to advice center going?
How’s that shift from branch to advice center going?
It’s one thing for a bank to say its physical locations will focus on providing higher-value, higher-touch services, and it’s…
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  • Growth & Innovation
Branches are changing with the times
Branches are changing with the times
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  • Growth & Innovation
How community banks can keep lending local
How community banks can keep lending local
An indirect lending solution that is easy and convenient for the customer can also benefit Main Street businesses and lending…
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  • Growth & Innovation
Quick Q&A on How to Create an Effective Customer Acquisition Program
Quick Q&A on How to Create an Effective Customer Acquisition Program
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  • Growth & Innovation
Best practices to localize your branch designs
Best practices to localize your branch designs
Regional-inspired designs can create a sense of community while reinforcing overall brand experiences and promoting client loyalty….
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  • Compliance & Regulation, Growth & Innovation
Optimizing your Underwriting Efficiencies
Optimizing your Underwriting Efficiencies
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  • Growth & Innovation
Quick Q&A on How to improve credit-reporting accuracy & reap the benefits
Quick Q&A on How to improve credit-reporting accuracy & reap the benefits
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  • Growth & Innovation
Digital experience will remain a challenge in 2023
Digital experience will remain a challenge in 2023
Our latest BAI Banking Outlook survey shows that customers have noticed improvements in online and digital, but they have more…
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  • Growth & Innovation
2023 focus: Customer engagement and advanced technology
2023 focus: Customer engagement and advanced technology
Market volatility this year may allow banks to reboot strategic processes by leveraging scale, a broad customer base and regulatory…
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  • Growth & Innovation
New approaches to new account acquisition
New approaches to new account acquisition
Community banks and credit unions in 2023 need to sharpen their customer targeting with flexible strategies that highlight their value…
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  • Growth & Innovation
A special decade to come for U.S. banks?
A special decade to come for U.S. banks?
Tom Brown, long-time analyst and newsletter editor, joins us on the BAI Banking Strategies podcast to share his optimistic outlook…
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  • Compliance & Regulation, Growth & Innovation
Proposed Changes to the Community Reinvestment Act: How They Might Impact Your Organization
Proposed Changes to the Community Reinvestment Act: How They Might Impact Your Organization
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  • Growth & Innovation
Why the banking sector will be resilient in 2023
Why the banking sector will be resilient in 2023
The boost to net interest income may prompt institutions to look beyond immediate pressures to wider changes in the world…
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  • Growth & Innovation
Bankers’ wish list for 2023
Bankers’ wish list for 2023
The three leading business challenges as identified by banking leaders who took part in the latest BAI Banking Outlook survey….
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  • Growth & Innovation
The best of the best in financial services innovation
The best of the best in financial services innovation
Amy Radin, the first chief innovation officer at Citi and now an author and speaker on innovation-related themes, joins us…
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  • Growth & Innovation
Key banking issues and trends for 2023
Key banking issues and trends for 2023
On this week’s BAI Banking Strategies podcast, BAI’s Karl Dahlgren shares survey findings on the biggest business challenges for bankers…
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  • Growth & Innovation
Solving the mortgage retention crisis
Solving the mortgage retention crisis
New lending technology can help financial institutions work more effectively and keep a better grip on their customers….
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  • Growth & Innovation
Lightening the load of loans in default
Lightening the load of loans in default
Debt collection and recovery processes that are more streamlined, centralized and technologically sound must be a priority….
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  • Growth & Innovation
Building next-gen relationships through lending
Building next-gen relationships through lending
Millennials and Gen Zers put a premium on fast, easy and convenient banking, and credit products can be a path…
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  • Growth & Innovation
How fintechs can push banking innovation
How fintechs can push banking innovation
Fintech companies are the new kids on the block, and it’s up to them to make sure banks know what…