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. 

Revenues are growing significantly for consumer transaction account services, just not at financial institutions.

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Twice in the past twenty years we experienced a cycle of decrease and increase in the Fed funds rate.

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As the financial services industry emerges from the great recession and adapts to the new regulatory and slow-growth environments, financial institutions are being pressured to find new ways to generate revenue.

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Regulators are openly worrying as banks of all sizes ramp up their commercial and industrial (C&I) lending.

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While the value of the checking account is not in question these days, the design of it is.

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Financial institutions (FIs) determined a long time ago that it was hard to earn a profit making consumer loans for a few hundred dollars.

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Building out or improving remote delivery channels, such as online banking, mobile banking and electronic bill pay, with new products and systems represents one of the greatest opportunities a bank can face – and one of the greatest challenges, as well.

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The notion that only the largest banks pay a lower annual percentage yield (APY) in return for the perceived status of “too-big-to-fail” is not entirely accurate.

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2012 saw the most bank mergers since 2007 as beleaguered institutions look for a way out.

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Bankers have grown accustomed over past decades to a plentiful supply of low-cost time deposits from senior citizens that help to properly fund fixed-rate long-term loans.

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Lack of timely information about changes in deposit rates can saddle a bank with a relatively higher cost of funds.

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Analysis of the temporary unlimited deposit insurance coverage for noninterest-bearing transaction accounts (NIBTAs) shows that this program had a greater psychological than practical impact on deposit customers.

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Banks face a real quandary as they consider what to do about their deposit portfolios.

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Consider a customer who approaches a bank or credit union seeking a small-dollar credit product.

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Can “crowdsourcing” work in credit cards? UK-based Barclays Bank is trying to find out with its new Barclaycard Ring card.

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At a time when retail banks are particularly hungry for growth, one of the brightest opportunities is the cross-sale of credit to depositors, including consumers and small businesses.

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The amount of money banks generate from fees on deposit accounts decreased from $36.

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Certificates of deposits (CDs) have experienced a dramatic change in consumer demand, interest rate levels and type offered in the last five years.

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When it comes to deposit pricing, the U.

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Today, your bank is issuing time deposits at rates significantly below what they were just a few years ago and renewing CDs at a lesser rate than they were just last term.

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