While implementation of new credit loss standards is years away, banks need to begin now to develop the data and systems capabilities to handle this change.

As traditional campaigns for balance acquisition fall prey to promotional fatigue, banks need to improve the metrics, skills and strategies used to drive deposit-gathering.

Offering rate change features on long-term deposits may help to retain customers in those accounts, but bankers should weigh the various options carefully.

Branch profitability has been depressed since 2008, but prospects for gradual increases in interest rates offer banks a path for improvement – if they build their deposit base.

Digital lending technology offers banks a choice: partner with alternative providers to serve some markets indirectly, or deploy your own to serve them directly.

While proposals to revamp the expected credit loss model are still under discussion, banks can take action now to prepare for the changes.

With the Federal Reserve poised to raise rates, bankers need to model and prepare for their exposure to time deposit early withdrawal.