• KAREN EPPER HOFFMAN_resized
    Karen Epper Hoffman Sep 13, 2017

    For consumers, piqued interest on rising deposit rates

    Gone are the days when banks could count on depositors seeking shelter from the recession. With rising rates, how can banks rise to the occasion?

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  • Coping with the overdraft conundrum

    Achim Griesel_resized
    Achim Griesel Jun 23, 2015

    While bankers cannot yet foresee all the regulatory fallout from continued investigations of overdraft fees, they can begin planning now for a more sustainable approach to fee income.

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  • Jason Bourne the banker

    Joel Pruis Jun 16, 2015

    If banks want to emulate the ability of alternative providers to make consumer or small business loans quickly, they should focus on speed to the conditional approval.

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  • Valid forecasting of deposit accounts

    Dan Geller Apr 29, 2015

    A bank’s financial performance tomorrow depends on pricing decisions today. But if projections about tomorrow are false, today’s pricing decisions will be flawed.

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  • Return to consumer lending for community banks

    Daryl Jones Apr 10, 2015

    Lagging behind credit unions and alternative lenders, community banks need to get back into consumer lending by focusing on technology, front line sales and partnerships.

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  • Results of deposit pricing game theory exercise

    Dan Geller Mar 11, 2015

    Findings from a game theory exercise show that in a competitive-rising-rate environment, we tend to price deposits about 13% above the normal average of the competitive set.

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  • Time to raise minimum deposits

    Rick Barham Feb 20, 2015

    Banks need to start considering reducing fees and making up the lost revenue by raising minimum deposit balances.

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  • Deposit pricing game theory for rising rates

    Dan Geller Feb 2, 2015

    Behavioral theory suggests that deposit rates start rising prior to an anticipated increase in the Fed funds rate because of our tendency to try to outdo the competition.

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