Insights

Insights // Prioritizing Personalization

Are Your Propensity Models Compromised By Outlier Leakage?

Many banks have come to realize that relying on code-heavy basic propensity models and signal targeting will generate single engagements while misdirecting and mistiming the marketing message.

READ TIME: 3 MINS

September 7, 2023

Insights // Webinars

Small Business Banking: Are you Winning or Losing?

The Small Business segment is a more valuable asset to financial institutions than ever before. But are you winning or losing in the space?

READ TIME: 1 MIN

August 31, 2023

Insights // This Month In Retail Banking

Deposit Costs: Finding The Right Balance For Small Business Success

Last week’s installment of This Month In Retail Banking focused on acquiring the right balance of checking deposits and rate-based products to optimize deposit growth in today’s challenging market. This week we continue the conversation by making a case for focusing on the small business segment.

READ TIME: 3 MINS

August 31, 2023

Insights // This Month In Commercial Banking

Commercial Balance Levels Stabilize, But Betas Continue To Rise

Fed Funds rates are leveling off in a higher-for-longer range, but quantitative tightening continues. In this environment, commercial banks will have to balance the difficult tradeoff between deposit levels and deposit costs.

READ TIME: 3 MINS

August 30, 2023

Insights // This Month In Retail Banking

Deposit Acquisition Costs: Finding The Right Balance For Success

In striking a balance between checking acquisition and rate-based deposit acquisition, banks have often tilted toward checking because it leads to low-cost deposits, deeper relationships and the purchase of additional products.

READ TIME: 2 MINS

August 24, 2023

Insights // This Month In Commercial Banking

Rising Rates Are Transforming Commercial Deposit Economics

As rates continue to rise, with seemingly no end in sight, the gap between earnings credit rates (ECR) and those paid on commercial interest-bearing deposits continues to widen.

READ TIME: 3 MINS

August 23, 2023

Insights // This Month In Retail Banking

Grow Funding? Look To Your Differences By Market.

In too many cases, financial institutions are reacting to the continuing compression of net interest margin (NIM) by reducing operating expenses.

READ TIME: 2 MINS

August 22, 2023

Insights // This Month In Retail Banking

Elevate Digital Onboarding? Remove ID And Verification Frictions.

Among the hurdles to a smooth account opening process are identity verification and information input. More banks are finding creative ways to streamline in order to reduce drop-off.

READ TIME: 2 MINS

August 14, 2023

Insights // This Month In Commercial Banking

Overcoming Potential Obstacles To Commercial Onboarding

The bank has just landed a new commercial customer. That’s great – now what?

READ TIME: 4 MINS

August 11, 2023

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