Category: This Month in Retail Banking

A Winning Strategy For “Win-Back” Campaigns

Balance runoff is picking up speed in 2023. With interest rates from some direct bank topping the tantalizing 4% mark on a savings accounts - a level not seen since 2007 - depositors are waking up and moving their non-operating cash to higher-yielding alternatives
READ TIME: 2 MINS

February 21, 2023

The CD Takes On New Life As Rates Rise

Certificates of deposit (CD) are taking on a bigger role at many institutions that want to lock in deposits before rates rise further, according to the latest data from the CDA Consumer Executive Summary
READ TIME: 2 MINS

February 16, 2023

Reality Sets In For Loan-To-Deposit Ratios

The loan-to-deposit ratio (LDR) is a simple measurement used to assess a bank's liquidity by comparing its total loans with its total deposits for the same period
READ TIME: 2 MINS

February 14, 2023

Digital Wallets: For Many, Becoming The Preferred Way To Spend

For a rapidly growing number of consumers, spending means using a digital card on their phone to instantly debit their bank account
READ TIME: 2 MINS

February 9, 2023

Revisiting Network Optimization As Economic Tides Shift

Bank leaders continue to struggle with determining the right number of branches for their network
READ TIME: 4 MINS

January 27, 2023

Banks Add Tools and Support to Help Customers Cope

Providers of consumer banking services are ramping up their tools and products to help customers cope with soaring inflation and rising interest rates, according to new research from the Digital Banking Hub
READ TIME: 2 MINS

January 26, 2023

Small Business Loan Demand Remains Strong, Lenders Become More Efficient

Small businesses continue to demonstrate a need for cash, with demand for lending products increasing by nearly 40% year over year, according to the Curinos LendersBenchmark for Small Business Lending Originations consortium
READ TIME: 3 MINS

January 25, 2023

New U.S. Shopper Survey: Digital Delivery Is Top Consumer Preference

The shift to digital continues unabated in consumer banking and with it, further disruption to the industry
READ TIME: 4 MINS

January 23, 2023

Mortgage Upheaval Prompts Some Buyers To Pounce

Nowhere is the mortgage shakeout more apparent than in the wave of mergers and acquisitions that have washed across the industry ever since interest rates started to rise
READ TIME: 1 MIN

January 19, 2023

Banks Raise Rates In Effort To Reduce Churn

The Fed slowed its pace of rate increases in December, but banks are charging ahead with higher rates
READ TIME: 3 MINS

January 18, 2023

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