Dustin Allen
Apr 1, 2020

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. To provide guidance for those who have responsibility for deposits and deposit pricing in the current environment, I’ve interviewed a number of […]

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.

Read More

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.

Read More

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

Read More

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

Read More

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

Read More

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

Read More

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.

Read More

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.

Read More

It’s no secret that the digerati are taking bites out of the banking sector—offering payment services, loans and credit, cash, and savings products to the underbanked.

Read More

Bankers invest so much time and attention toward driving “share of wallet” (SoW) that many tend to treat it as the de facto metric for measuring return on investment (ROI) in digital technology.

Read More