Jamie Topolski
Oct 14, 2021

As people increasingly become digital-first, the credit or debit card may become one of the few physical touchpoints a bank has with its customers. 

Keep employees and clients current on e-signatures, which have allowed banks and credit unions to continue their core services when in-person appointments are not an option. 

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Preparing for a recession usually includes steps that banks take to maximize interest spread and fee income, offload expensive deposits, and prepare for loan losses that are on the horizon—all while maintaining relationships and liquidity.

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The battle for deposits has become increasingly competitive for community financial institutions.

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It’s true, banking industry numbers crunchers: Things don’t seem to add up.

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As deposit growth remains a popular and sometimes heated discussion topic among bankers, it pays to step back and take stock of how the financial services industry got to this point, where we are today and what it means going forward, especially with direct banks moving into the picture like never before.

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With the Federal Reserve making multiple interest-rate cuts this year, crafting a deposit growth strategy these days can feel like standing on a teeter-totter.

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Not Supported Drew Sievers, CEO of Harvest Savings and Wealth Technologies shares his perspective on how financial services organizations can compete and win the digital transformation game and combat deposit loss.

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Deposit generation has posed a major challenge for financial institutions over the past year.

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If a “secret sauce” exists to improve bank performance, it’s likely via capturing and retaining low-cost deposits.

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I recently attended two banking conferences and was struck by how much has changed—yet how much has not and needs to.

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Assessing credit risk is an imperfect science.

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As banks consolidate—a fact of life since the financial crisis—they also feel pressure from non-bank competitors to get leaner, more efficient and bolster customer experience.

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As interest rates rise and financial institutions face mounting pressure to fund lending with a reasonable cost of capital, acquiring new core deposits and customers affordably is paramount.

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Perhaps you’ve seen ads for “Mortgage approvals in minutes!” just by using a mobile phone.

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For years, community and regional banks tossed proverbial pebbles to gain deposits as Goliath-like megabanks rolled out massive marketing campaigns.

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While no two banking customers are exactly alike, financial institutions often treat them the same way—and at a cost.

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We’re not saying that customers these days are lazy.

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Call it the slowwwwww squeeeeeeze: Competition for deposits has produced tremendous force—the kind steamroller drivers would envy—as big banks, fintechs and smaller banks feel the pressure to collect the money they badly need to fund loans.

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As banks and fintech providers compete to out-innovate each other at every turn—with similar upgrades and incentives to win the same customers—financial institutions can be tempted to add products.

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