Banking Strategies to Power Smart Decisions

View BAI Banking Strategies content, BAI research and other BAI thought leadership.

Article

How treasury departments can refresh their technology to manage long-term inflation

Dec 4, 2023

By Provi De Leon
Persistent inflation and higher interest rates will challenge banks’ ability to meet capital needs and cash flow. That means treasury departments need digital solutions that are timely, capture data from across the institution and anticipate changing economic trends. 
Technology

Article

Fighting financial fraud with open-source AI

Nov 30, 2023

By Srikrishna Sharma
By analyzing vast amounts of data, banks and credit unions can identify fraud patterns and anticipate and detect emerging ones.
Fraud Prevention

Article

Should banks stop using averages?

Nov 30, 2023

By BAI Editorial Team
Probability Management’s Sam Savage discusses the ‘flaw of averages’ and recent bank failures.
Compliance, Regulation & Risk
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Topics

Formats

Article

Why smaller FIs need both FedNow and RTP®

Dec 6, 2023

By Jeff Bucher
For community banks and credit unions, it may be best to choose both of these instant payment solutions to increase exchange efficiencies.
Payments

Whitepaper

Data + AI radar: Financial services

Dec 6, 2023

While financial services firms may lag other industries in AI deployment, they are better than average at data collection and verification. In this report, learn how the industry has potential to lead by further investing in AI infrastructure and computing...
Technology

Whitepaper

Check and signature fraud prevention: Challenges and resolutions

Dec 6, 2023

Checks remain a primary means of fulfilling financial obligations. Technological advances coupled with increased availability at decreased costs have enabled criminals to engage in illegal and/or deceptive practices that include signature forgery, counterfeit checks, and physical alteration of paper checks....
Fraud Prevention

Podcast

‘Tis the season for greater fraud awareness

Dec 5, 2023

By Terry Badger, Brian Keefe
On this BAI Banking Strategies podcast, Brian Keefe from NICE Actimize joins us to talk about heightened volume and patterns of fraud during the holidays, and what banks can do about it.
Fraud Prevention

Job Aid

Commercial Real Estate Policy Considerations

Dec 1, 2023

BAI has put together a document on Commercial Real Estate considerations to help financial services organizations know what they need to include in their commercial lending policies. To learn more about how to make your organization’s commercial real estate policies more...
Compliance, Regulation & Risk

Job Aid

Fraud Policy Considerations

Nov 30, 2023

In the current regulatory environment, it is important for financial services organizations to review their policies on fraud. BAI has put together a document on Fraud policy considerations to help financial services organizations define actions for averting fraud, address it...
Compliance, Regulation & Risk

Article

Innovation and regulation don’t have to be at odds

Nov 29, 2023

By Karla Booe
By embracing flexibility, speed and automation, financial institutions can create a collaborative environment where both innovation and regulation thrive.
Compliance, Regulation & Risk

Article

The growing importance of commercial credit cards in a high-interest-rate environment

Nov 21, 2023

By Anil Goyal
Banks that want to stay competitive and build customer retention with today’s high interest rates can see many advantages from commercial credit cards.
Business Banking

Webinar

New CRA final rule: What to expect and how to prepare

Upcoming: Dec 14, 2023

The Community Reinvestment Act (CRA) was designed to encourage commercial banks and savings associations to help meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods. Recently, a final rule was announced that updates...
Compliance, Regulation & Risk

Article

How data-driven insights transform digital banking

Nov 21, 2023

By Ajay John
Banks and credit unions have a wealth of available data about their account holders that can be used to better understand their current activities and potential needs.
Digital Banking

Report

Priorities in talent and professional development

Nov 17, 2023

The cultivation of talent, an organization’s most valuable asset, is a critical step to becoming an employer of choice, especially with today’s challenges of recruiting the best candidates and retaining engaged employees. In this month’s BAI Executive Report, we explore the...
DEI & ESG / Talent & Workforce Management

Article

Life goes on

Nov 16, 2023

By James White
Capitalizing on consumer life events amid market volatility.
Consumer Banking

Article

Artificial intelligence boosts banking’s use of data and analytics to supercharge a variety of benefits

Nov 16, 2023

By Edmund Lawler
Bank’s digital transformation continues to produce vast troves of data. It’s almost an embarrassment of riches.
Technology

Article

How AI helps bankers create “stickier” deposits with stronger customer relationships

Nov 16, 2023

By Slaven Bilac
Banks must leverage all the AI tools available to them to establish trust with customers through personalization and efficiency, leading to an increase in “sticky” deposits.
Consumer Banking

Article

Breaking down silos: The crucial role of data unification in financial institutions

Nov 15, 2023

By David Benskin
The right approach to data that eliminates silos, delivers personalized experiences and drives efficiencies helps today’s institutions stay competitive.
Consumer Banking

Podcast

Winning the primary client relationship battle

Nov 14, 2023

By Holly Hughes, Marc Salinas, Eric Campbell
Marc Salinas and Eric Campbell from Bottomline Technologies join us on our BAI Banking Strategies podcast to share how recent industry events create an opportunity for financial institutions to position themselves as a valued resource for their business banking and commercial clients and win the battle for primary ownership of the customer relationship.  
Business Banking

Article

Now is the time to add AI and ML to combat fraudsters

Nov 13, 2023

By Rene Perez
Financial institutions’ cybersecurity strategy must now incorporate AI and ML to support quicker detection and response and improve efficiencies.
Fraud Prevention

Article

Harnessing data-driven strategies for a deeper understanding of loan affordability

Nov 10, 2023

By Tracy Huber
Assessing loan affordability in the current complex financial climate means embracing data and gaining an understanding of the challenges customers face.

Article

Why your financial institution’s marketing strategies must be especially agile and nimble

Nov 8, 2023

By Edmund Lawler
Marketing is a complicated, multifaceted challenge, especially for financial services organizations amid a whirlwind of technological disruption.
Marketing & Sales

Article

Taking a new approach to portfolio management in a complex landscape

Nov 8, 2023

By Chris Stanley
AI-enabled processes are reshaping how bank executives are identifying actionable insights for enhanced operating leverage across the risk-analysis lifecycle.
Compliance, Regulation & Risk

Webinar

State of U.S. Deposits

Recorded: Dec 6, 2023

In this presentation, informed by BAI's latest consumer and small business weekly deposit data and our team of industry analysts, we will address the latest trends in deposits and what we expect to unfold as we look ahead into 2024....
Consumer Banking