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Retail Banking Trends and Priorities 2023
January 2023
Economic uncertainty has put an increasingly bright spotlight on the ability for traditional financial institutions to rethink existing business models from the inside out, to support an increasingly digital consumer. From delivering new digital solutions at speed and scale, to personalizing experiences with predictive engagement, banking leaders must...[more]
Best Practices for Successful Digital Account Opening
October 2022
More than ever, consumers want to partner with banks and credit unions that can simplify their daily lives and improve their financial wellness. There is little patience for time consuming online or mobile processes in a world where groceries, apparel, electronics, cars, or even a house can be...[more]
Maximizing Digital Banking Engagement
August 2022
For financial institutions, the accumulation of customer data empowers them to improve both the personalization and contextualization of content, creative, offers and overall experiences delivered. Done well, this higher level of personalization can improve satisfaction and engagement, providing a stronger value proposition that can positively impact loyalty and...[more]
Unleashing the Power of Data in Banking
July 2022
Data and analytics are at the core of organizations’ digital banking transformation efforts. In the accelerating digital economy, banks and credit unions are compelled to collect data from disparate sources and generate insights that are forward-looking and progressive to remain competitive. These insights drive improved efficiencies, better revenue...[more]
Digital Banking Transformation Strategies to Withstand Recession
June 2022
The more future-ready your financial institution is, the less likely it will be negatively impacted by economic downturns. Becoming future-ready goes beyond your financial statements. It must include improving your back-office operations, creating differentiated customer experiences, growing your customer base, improving the use of data and analytics to...[more]
Branch Banking in a Digital World
March 2022
Financial institutions globally are redefining how customer experiences can be enhanced and channel engagement increased. The role of the branch is at the epicenter of this discussion, as organizations focus on creating tech-enabled, integrated ecosystems. Most importantly, banks and credit unions must support channel agnostic delivery where data...[more]
Building Value with Exceptional Customer Experiences
December 2021
Digital banking channels are becoming increasingly indispensable for customers in a world altered by the pandemic, with usage increasing across all demographic segments. In response, most financial institutions are accelerating their digital banking transformation efforts to improve customer experiences, increase digital engagement, and become partners in their customers’...[more]
Innovation in Retail Banking Beyond the Pandemic
December 2021
We believe there several ‘innovation truths’ that should not be up for debate. First, organizations that are successful with innovation have a bias towards forward progress and concrete outcomes. In other words, there needs to be less talk about the process and more emphasis on speed, scalability, and...[more]
Trends in Digital Account Opening
October 2021
Building a digital account opening capability is more important than ever, with the cost of falling behind growing every day. To implement a digital account opening functionality, however, is extremely complex, with the demands of the marketplace requiring a review of every component of legacy business models. Banks...[more]
Leveraging Emerging Technologies and Fostering Innovation
October 2021
Consumer expectations and the capabilities of modern technology have combined to drive a much faster approach to innovation. As opposed to sporadic introductions of new features, benefits or products, financial institutions must embrace the concept of innovation that occurs at a scale, speed, and scope far beyond what...[more]
Future of Digital Lending
September 2021
Last year’s report on digital lending maturity illustrated that financial institutions of all sizes had to move quickly to respond to a marketplace that could no longer visit branches. At the same time that organizations deployed Payment Protection Program (PPP) loans many were also finding ways for consumers...[more]
Open Banking and Embedded Finance
September 2021
Open banking is a global trend driven by technology, innovation, regulation, non-traditional competitive offerings, and consumer demand for enhanced financial services and control over how their data is used. Open banking allows for the secure transmission of account data authorized by the customer to a third party provider,...[more]