BID^® Daily Newsletter Archives

July 2024

July 02, 2024 - Six More Strategies To Boost Deposits

As interest rates remain high, the battle for healthy deposits continues. We look at what else CFIs can do for their consumer and commercial customers, aside from chasing high rates, to attract and retain deposits.

July 01, 2024 - Climate Risk Management Lessons from the Fed’s Pilot Analysis

The Federal Reserve recently published the results of its 2023 pilot climate scenario analysis conducted with six of the largest US banks. We discuss some of the Fed's key findings.

June 2024

06/27/2024 - Don’t Overlook the Risks of AI-Backed CRMs

AI-backed CRM systems offer major benefits, but they also involve risks. We outline the challenges of using AI for customer service and share training and security tips to minimize risks.

06/26/2024 - Faster Payments, Faster Fraud? Not So Fast!

Faster payments haven't led to more fraud for two CFIs, thanks to effective risk mitigation and FedNow's security features. We highlight their experiences and the security features deterring fraud.

06/25/2024 - The Crucial Role of Information Security Officers

Information security officers are in short supply, yet in high demand. We look at steps to reduce turnover, prepare for the possibility of an ISO’s departure, and ease the stress if one leaves.

06/24/2024 - Are Digital Payments the Solution to Rampant Check Fraud?

CFIs of all sizes employ various strategies to successfully prevent and detect check fraud. But could another strategy be to go upstream and encourage business customers to adopt digital payments?

06/20/2024 - Automated Compliance: Streamlining CFI Regulatory Management

Ditch manual efforts in ensuring companywide compliance with evolving regulations. We explore how automation simplifies compliance, minimizing errors and boosting efficiency with cloud-based policy management.

06/18/2024 - Embedding DEI for Employees and Customers

Discover effective strategies for CFIs to understand and respond to the diverse needs of both customers and employees, fostering inclusivity in the workplace and community.

06/17/2024 - The Perks of Partnering with Local Schools on Financial Literacy

Partnering with schools for financial literacy programs can help you build relationships with future customers and even staff. We provide examples of successful school-CFI collaborations.

06/13/2024 - Tips and Strategies for New and Seasoned Leaders

Quality leadership can be the difference between jobs that workers love and jobs they hope to leave. We provide tips to help you successfully tackle management roles.

06/12/2024 - Benefitting from the Ease of International Expansion

As online commerce continues expanding for small businesses, so does the revenue potential for CFIs that process foreign transactions. We provide strategies to educate your SMB customers about going international.

06/11/2024 - Regulators Have a Watchful Eye on Your Fintech Partnerships

A spate of regulatory actions against banks for compliance deficiencies in their fintech partnerships has bankers concerned. We discuss recent consent orders and provide tips on managing third-party vendor risk.

06/10/2024 - The State of Agricultural Lending in Mid-2024

As we approach the second half of 2024, the agricultural industry remains under pressure from mixed economic and demand headwinds. Despite these challenges, farmers are expressing more interest in agricultural loans to grow their available funds. CFIs should prepare to meet this increasing demand.

06/06/2024 - Boost Customer Engagement with Two Proven Conversation Starters

Learn the FORD and HEFE methods to improve customer engagement by starting meaningful conversations. These simple yet effective techniques could enhance relationships and potentially increase sales.

06/05/2024 - Your Smart Devices May Be an Invitation to Hackers

Wi-Fi-enabled smart devices are convenient, but they can also provide hackers an avenue into your system. Learn which devices are most vulnerable and how to protect them from cyberattacks.

06/04/2024 - The Pros and Cons of Embedded Finance

Embedded finance offers new revenue opportunities for CFIs, but understanding its risks and benefits is crucial before adoption. We detail the pros and cons here.

06/03/2024 - Is It Time to Ditch Loyalty Programs for Fractional Shares?

Fractional share programs provide an attractive alternative to traditional loyalty programs and could be more effective with customers. Should your institution consider implementing one? We go into the details.

May 2024

05/30/2024 - What Does CFPB’s 1033 Regulation Mean for You?

The CFPB is finalizing a rule that allows consumers and their representatives to access and share consumer data through secure interfaces. We explain the benefits and challenges of its implementation.

05/29/2024 - The Changing State of Board Age Restrictions

Mandatory retirement age restrictions for boards are declining. We explore recent trends, the reasons behind the changes, and alternative strategies.

05/28/2024 - Show Potential Customers What Your Mobile App Can Do

With mobile banking gaining popularity, offering a test-drive, demo, or trial of your app can help you gain new customers. We discuss possible strategies and examples from other institutions.

05/23/2024 - Data Mining Makes Retailers a Promising Target

Data mining isn’t new, but financial institutions are finding new ways of using it to provide retailers with more effective marketing options and an added revenue source for themselves. We review one such high-profile service and what it could mean for data usage in the future.

05/22/2024 - Boosting Revenue Through Cost Management

Cost management can be an effective way to boost revenue, but it needs to be done with a comprehensive approach. If organizations fail to look at all the ways cuts could impact employees and the customer experience, cost-cutting measures could ultimately prove costly. We provide tips on how to evaluate costs and their impact on your CFI’s cost reduction goals.

05/21/2024 - Tips for Enhancing Your Current Succession Plan

A CFI’s ability to succeed long term depends heavily on its leaders, making it critical to have a robust succession plan. We provide tips on how to create an effective succession plan.

05/20/2024 - Should You Offer Business Customers Subscription-Based Banking?

The banking subscription model is gaining traction. We discuss some of the benefits of a subscription service for both CFIs and their business customers and suggest ways in which to ensure a successful implementation.

05/16/2024 - 2024 Is the Year of Green Bank Initiatives

The Greenhouse Gas Reduction Act is doling out $27B for energy efficiency projects. Disadvantaged communities in your bank’s footprint could be in line for an infusion of capital. We discuss what the impact could be on you and your business customers.

05/15/2024 - The Makings of a Successful Board of Directors

To perform its essential oversight role, a board of directors should bring together the competencies and qualities necessary to help guide an organization toward success. We discuss some essential skills and attributes for a CFI’s board.

05/14/2024 - How Will Bank M&A Shake Out in 2024?

Bank M&A activity in 2023 was dismal, but early indicators have shown that activity should increase in 2024. Three bankers gave their take during a recent webinar hosted by Bank Director and Ardmore Banking Advisors Inc. We discuss which factors are driving M&A this year and what CFIs should consider before inking a deal.

05/13/2024 - The Growing Threat of Deepfakes

Advancements in AI are making deepfakes a growing threat for financial institutions. Knowing the red flags to look for and educating employees and customers about such threats need to be a major part of CFIs' security measures.

05/09/2024 - Balancing Act: Branches and Digital Banking

For some of the largest banks in the US, branch openings outnumbered closings for the first time in a decade in 2023. Yet, branches are still being closed across the country, as digital banking gains popularity. We look at the reasons behind large banks' decisions to open new branches, even as online banking gains momentum, to learn how institutions are adapting to meet the diverse needs of today's banking customers.

05/08/2024 - Lessons Learned from Recent Fraudulent Wires Targeting CFIs

Recently, two of our customers were targeted in a fraudulent wire transfer scheme, with one unusual twist — the victims weren’t the CFIs’ customers, but the CFIs themselves. We provide details on how this cyberattack unfolded, as well as tips to protect your CFI from similar threats.

05/07/2024 - Research: Millennials & Gen Z Aren’t Interested in Management

Gone are the days when everyone’s career aspiration included becoming a manager. As more and more people decide they do not want the workload or burden of management positions, organizations need to rethink their approach to promoting people to management positions and training them for such responsibilities.

05/06/2024 - The Opportunity Set of Digital Payments for Kids

As a growing number of retailers and service providers go cashless, there is a rising need for digital payments for kids — a multi-billion-dollar opportunity that few financial institutions have tried to meet. We discuss the benefits of creating a digital payment option for children under 13 and how to get the word out if you decide to throw your hat in the ring.

05/02/2024 - Help SMBs Boost their Financial Literacy

Over 40% of business owners consider themselves financially illiterate. CFIs have an important role to play in boosting financial literacy among their business customers. By providing educational resources, expert advice, and financial tools, they can support business customers in building more sustainable businesses while also strengthening their relationships.

05/01/2024 - Bank Director Survey Reveals Top Strategic Challenges

The results are in, and according to the Bank Director’s 2024 Risk Survey, the banking industry’s top challenges center around deposit pricing, liquidity management, and regulatory requirements. We review the survey’s findings to uncover the factors driving these challenges forward.

April 2024

04/30/2024 - Gamification Opportunities for CFIs

By combining technology, psychology, and economics, gamification is redefining how people engage with their money. It is proving an effective tool to enhance the customer experience and drive engagement. We explore the core principles of gamification and look at some of its applications that could be of interest to CFIs.

04/29/2024 - Striking the Right Balance in Digital Customer Communications

Maintaining regular communication with customers is important, but if done incorrectly, it can be detrimental. Finding the right balance in communication frequency and the type of content presented is critical.

04/25/2024 - Community Banking Stories #4 — Community Engagement & Support

Community banks and the people who work for them are often fantastically giving toward their communities. Every April, we observe Community Banking Month, publicizing the efforts that community banks make to serve the people and businesses around them. This article, the last in our 2024 Community Banking Month series, highlights creative and committed community engagement and support programs, including charitable giving.

04/24/2024 - Meeting the Needs of Fast-Growing Business Customers

CFIs looking to grow their business may want to focus on the growing needs of small- and medium-sized businesses that are also looking to scale. We spotlight three financial institutions that are doing just that.

04/23/2024 - Solving B2B Payment Issues for Your Small Business Customers

For small business customers, waiting for payments can take a while — often at least 30 days. Checks and invoices get lost or go to spam folders and vendors charge fees to transfer funds. Doing more to remove these pain points can help strengthen existing relationships and allow your small business clients to have better cash management. We discuss ways to help small business customers get paid quickly and easily.

04/22/2024 - Opportunities in a Growing Equipment Financing and Leasing Space

In response to inflation, higher interest rates, regulatory capital increases and declining demand, some banks have pulled back on lending for equipment leasing and financing. That’s created opportunities in equipment finance and leasing for interested CFIs.

04/18/2024 - Community Banking Stories #3 — Technology & Strategy

Every April, we observe Community Banking Month, publicizing the efforts that community banks make to serve their communities. This article celebrates community banks that are unwrapping new technology and fresh strategies, including developing an AI-based employee information resource, using machine learning to assist with loans and accounting tasks, and using banking product incentives to encourage customers to donate to their communities.

04/17/2024 - The Taylor Swift Effect on Small Businesses

Taylor Swift’s popularity extends well beyond her Eras Tour, with her fans providing a boost to businesses that don’t even have a direct connection to the tour. The benefit to small businesses could also spill over to their community bankers.

04/16/2024 - OCC & FDIC Propose Policy Changes To Enhance M&A Transparency

The OCC and FDIC have each proposed rules to enhance transparency around their processes of reviewing M&A transactions under the Bank Merger Act. We summarize the details of each agency’s proposal and provide resources to review and comment on the suggested changes.

04/15/2024 - The Keys to a Better Onboarding Process for Business Clients

We talk about the need for CFIs to have a quality digital onboarding process. But what exactly makes an onboarding process convenient, and how does it impact the overall customer experience? We explain the qualities a CFI needs in its onboarding process to compete successfully for new customers and keep existing ones.

04/11/2024 - Community Banking Stories #2 — Educational Efforts

Every April, we celebrate Community Banking Month through a series of BID articles that showcase the efforts of local banks to serve their communities, support their staff, and enrich the customer experience. In this second of four articles in our Community Banking Stories series, we highlight examples of community banks supporting educational initiatives.

04/10/2024 - Cloudy with a Chance of Sunshine: A Snapshot of the Economy

Once again, economic data is filled with sunshine, but general market sentiment continues to function as cloud cover. We discuss consumer sentiment, the housing market, and the general economy.

04/09/2024 - Empowering Communities with Funding and Grants Literacy

Taking a more hands-on approach to educating organizations within your community on securing funding — even when it is from outside avenues, such as federal grants — can help CFIs strengthen ties to their communities and foster goodwill that can pay off down the road.

04/08/2024 - The State of CRE — Challenges and Opportunities

The commercial real estate sector experienced significant headwinds during 2023. Fortunately, early signs suggest a more stable, and in some cases positive, market in 2024. We review the outlook for the industry and suggest ways in which CFIs can manage risk and continue to support their CRE customers.

04/04/2024 - Community Banking Stories #1 — Wellness & Development Efforts

Every April, we celebrate Community Banking Month through a series of BID articles that showcase the efforts of local banks to serve their communities, support their staff, and enrich the customer experience. Some community banks have responded by beginning or increasing their efforts to support well-being and development of both their employees and their community.

04/03/2024 - Loan Participations Plant the Seeds for Lending Growth

Why is now a beneficial time to consider a loan participation? Peter Dewes, PCBB’s Senior Vice President and Senior Lending Officer, shares his insights for community financial institutions to consider.

04/02/2024 - Optimizing Payments with Key Principles and Customer Focus

The right payment platform can create substantial opportunities for a CFI — and a CFI can use what it learns from finding the right payment platform to help business clients do the same. We discuss the factors a CFI should consider when selecting a payments platform.

04/01/2024 - The Risky Side of Fintech Partnerships

Partnering with fintechs is a good way for CFIs to quickly enhance their online services and offerings. But such partnerships can also create unintended risks for CFIs, a reality that has spurred regulators to step up oversight in this area.

March 2024

03/28/2024 - How Big Banks’ 2024 Stress Testing Scenarios Can Help You

The Federal Reserve has released its 2024 stress testing scenarios: its primary tool to assess the largest banks’ fiscal health resiliency by estimating losses, net revenue, and capital levels under hypothetical recession scenarios. This year’s severely adverse scenario includes unemployment reaching 10%, a widening spread on corporate bonds, and dramatic declines in asset prices. We summarize the scenarios and determine how they can help CFIs devise their own tests to improve their capital planning and risk management.

03/27/2024 - Feed Audrey II without Sacrificing Your Customers

Financial institutions dealt with economic uncertainty, higher interest rates, more expensive funding, lower loan demand, and concerns about credit quality in 2023. Yet they continued to grow loans overall. There are some indicators that the lending market could begin growing again. We discuss what factors would contribute to this change.

03/26/2024 - Nurturing Loyalty with Small Business Customers

Small business customers have no shortage of financial service options, from traditional banks to fintech offerings. Fostering loyalty among this group not only requires providing them with added value, but with the sense that your CFI understands their individual businesses and their unique needs.

03/25/2024 - You Could Become Part of the Boom in Women-Owned Businesses

Women are launching businesses at a more aggressive rate than men, yet lending disparities continue to favor men as entrepreneurs. With women-owned businesses representing $2.7T in revenue, CFIs should be actively targeting this group.

03/21/2024 - Boosting Benefits for Small Business Customers

Providing added value for business customers can be as simple as sharing existing resources within your organization such as conference room space or wi-fi. We discuss some options of nontraditional benefits you can provide to help your small business customers.

03/20/2024 - Eight Ways To Drive Deposit Growth Without Raising Rates

Is getting into an interest-rate war the only way for CFIs to compete for deposits at higher interest rates? We review alternative strategies for keeping up with aggressive offers from online banks and other competitors.

03/19/2024 - Crossing the Digital Divide on a Budget

CFIs don’t need to spend massive amounts of money on technology to remain competitive against the banking industry’s largest players — they just need to be strategic and intentional when it comes to where they spend on technology and the steps they are taking to prepare for the future.

03/18/2024 - Using Retention Bonuses Effectively

When used correctly, retention bonuses can be an effective tool to help financial institutions hold on to key employees who may be looking to leave — at least long enough to find replacements. But retention bonuses are not without their flaws, so their use should be intentional and methodical. We discuss a few use cases of retention bonuses and their effectiveness.

03/14/2024 - Deposit Growth Tops the List of Three Challenges for 2024

For banks, the big three issues for 2024 are deposit growth, customer acquisition, and digital enhancement. Those three are perennial list toppers. We discuss why that is and how 2024 will shape your approach to meeting those priorities.

03/13/2024 - How You Can Support the Thriving Gig Economy

The gig economy is a fast-growing sector that CFIs cannot afford to ignore. We discuss some of the primary ways in which institutions can ensure they meet the needs of these self-employed customers.

03/12/2024 - Unlock More Profitable Customer Relationships

When it comes to pricing deposits and loans in a competitive market, CFIs must correctly strike a delicate balance between each customer’s needs and their own profitability. Relationship pricing, based on customer profitability, can play a critical role in determining the best loan structure and deposit rates to maximize a customer’s lifetime value to your CFI. We provide insights on what factors to consider as you price products based on customer relationships, as well as the impact of adopting relationship pricing on your institution.

03/11/2024 - Are You Ready if a Private Equity Firm Shows Up at Your CFI?

Private equity firms and other private investors are showing more interest in CFI deals. We detail what CFIs should consider in the event a PE offer arrives and how to prepare if your CFI accepts a PE investment.

03/07/2024 - The 2024 Agricultural Lending Landscape

CFIs continue to dominate agricultural lending, but lending on the whole is down and unlikely to rebound in the immediate future. We discuss why CFIs should continue actively engaging with agricultural borrowers and what they should know about the trends facing this sector.

03/06/2024 - Now Is the Time To Prepare for ISO 20022

ISO 20022, a new messaging standard by the International Organization for Standardization, enhances communication between financial institutions and customers. Benefits include improved fraud prevention, AML/KYC practices, and efficiency in payment processing. As the November 2025 deadline for compliance looms, we discuss why starting migration now is of benefit to you.

03/05/2024 - Help Business Customers Align Capital with Strategic Plans

Higher interest rates and the cost burden they impose are driving a cycle of deleveraging and cash conservation at many companies. Small business owners are balancing the need to offset higher interest expenses and lessened credit availability while also addressing competing demands for strategic growth. We provide tips for how CFIs can help their business customers align their capital with their strategic plans.

03/04/2024 - New Regulations for Minority- and Women-Owned Small Businesses

Compliance under Section 1071 of the Dodd-Frank Act will likely pose the biggest burdens on the smallest institutions subject to the new rule. While there are still efforts to block it, the compliance deadline is quickly approaching. We delve into what you should know to start compliance efforts before the regulations take effect.

February 2024

02/29/2024 - Digital Academies Aren’t What They Used To Be — They’re Better

Digital academies for workplace training have been around for years, but not all employers or workers have been on board. As organizations seek to plug skills gaps internally, new approaches to digital academies are proving extremely successful.

02/28/2024 - To Convert or Not Convert Your Core

The decision to convert to a new core banking system is a monumental one. There are many reasons to make the leap so that your institution can continue to grow, though a “rip and replace” may not always be the right option. Determining whether an upgrade to your existing system could save you money, and may buy you time for even more evolved systems to come to market.

02/27/2024 - Five Ways To Shore Up CRE Lending Right Now

It’s not clear if or when the CRE market will return to pre-pandemic levels, but experts say there are steps that banks with significant exposure to the space can take to help mitigate losses. We suggest five ways to navigate the slump.

02/26/2024 - Keeping Check Fraud in Check

Despite advances in technology, check fraud is on the rise across the US. Given the significant impact on CFIs and their customers, we suggest ways in which CFIs can reduce exposure to fraudulent activity.

02/22/2024 - Is It Time To Rethink the Traditional Performance Review?

Although annual performance reviews are the norm at most companies, many employees dread the process. Changing your CFI’s approach to performance reviews and how often they happen can be the key to more effective discussions and better feedback. Read on for tips on how to optimize the review process and help employees and managers alike find more value in these meetings.

02/21/2024 - The 7 Rs of Risk Management Strategy for CFIs

The OCC recently published its autumn statement on key risks facing the federal banking system. We summarize these risks and suggest ways CFIs can mitigate them to improve their institution’s resilience.

02/20/2024 - Banking on Stability: Hedging Strategies for CFIs

Economic indicators suggest that the Fed is likely to ease monetary policy by lowering the Federal Funds Rate at some point this year. We discuss what factors could influence the Fed’s decisions and how hedging strategies could benefit your CFI in this changing market.

02/15/2024 - Spot Key Customer Triggers To Enhance Your Marketing Strategy

As expectations for personalized financial services grow, CFIs have an opportunity to peg relevant messaging to life and business events. Institutions can use starting key milestone triggers for marketing activity in near real time. We review some examples of what major triggers could be for both consumers and business customers as well as what types of products and services to market to that customer in response.

02/14/2024 - Helping SMBs Juggle Success in a High Interest Rate Environment

Although the Fed has kept interest rates steady since mid-2023 and may cut them sometime this year, they’re still the highest they’ve been in many years, and they continue to impact small businesses across all industries. We discuss three ways in which CFIs can support their small business customers as they navigate the high interest rate environment.

02/13/2024 - Using Composable Banking To Keep Up in a Digital World

Bank tech is a rapidly changing landscape. Composable banking — building banking solutions through use of multiple APIs and plug-and-play platforms — offers a way for CFIs to more easily and effectively stay abreast of the latest trends.

02/12/2024 - Rising CRE Lending Opportunities in Senior Housing

Due to an aging population, demand for senior housing is expected to grow. As occupancy rates rise and margins improve following a pandemic slump, investment in the sector should rebound. We consider the lending environment, the size of the opportunity, and what it takes for a CFI to succeed in this market.

02/08/2024 - Five Ways To Use Slower Economic Times to Your Advantage

Every economic downturn creates both pain and opportunities. Rather than scaling back or doing nothing, CFIs should consider adopting strategies that will position them for growth when the economy inevitably recovers. We discuss five places to invest during a downturn that can provide you with good return on investment

02/07/2024 - The Benefits of a Flexible Retirement Approach

The desire for more flexible work arrangements isn’t limited to younger generations. As CFIs strive to hold on to longtime senior employees who may be heading for the exit to retire, flextirement is an option that may allow them to hold onto key employees longer and ensure a smoother transition to the next generation of employees.

02/06/2024 - The Risks Lurking in the AI Shadows

Employees using unapproved, public generative AI poses a major security risk for your business. We review what shadow AI is, how it leaves your business vulnerable, and what you and your employees can do to minimize the risk.

02/05/2024 - Niche Lending: It Pays To Step Out of Your Lending Comfort Zone

Niche lending can be extremely lucrative — if executed correctly. We highlight some niche industries that are bringing success to other CFIs and provide guidance on how to identify unique, profitable niches in your area.

02/01/2024 - NFIB Survey: It Isn’t the Best of Times for Small Businesses

According to a new NFIB survey, pessimism prevails among small business owners. We discuss the challenges that small businesses noted in the survey and the potential impact on CFIs.

January 2024

01/31/2024 - New Virtual Currency Scam Targets CFIs and Their Customers

Federal authorities have issued an alert about a financial scam called “pig butchering", in which victims are lured into investing in phony schemes, often involving crypto currency. The losses can be significant. We provide tips on how to identify these scammers, if they contact you.

01/30/2024 - Bringing the Cloud Down To Earth

Cloud migration holds big promise for financial institutions. But it’s not as easy to get started with the cloud as it looks. We discuss the current state of business cloud migrations and what pitfalls and challenges to be aware of before migrating to the cloud.

01/29/2024 - Mining Data for Hidden Revenues

Without the right tools and analytical approach, customer data is unlikely to have any significant impact on CFIs’ overall profitability. But when artificial intelligence is used to help segment data into meaningful information, there are multiple ways it can be used to help organizations enhance their relationships with existing customers and boost their overall profitability.

01/25/2024 - Another Great Niche: Banking Nonprofits

More and more CFIs are courting nonprofits as customers, offering loans and other products and services. We discuss some of the unique financial needs of nonprofits and provide examples of how some CFIs are working with these customers.

01/24/2024 - Preparing for a Potential Downturn in Consumer Spending

Economists are predicting a downturn in consumer spending this year along with a slowing economy. We discuss strategies CFIs can use to prepare themselves and their small business customers for the impact.

01/23/2024 - Help Your Business Customers Get a Grip on Cash Management

A new study from Capgemini shows that business customers are increasingly in need of help with cash management. We discuss the biggest cash flow challenges for businesses and what solutions CFIs can offer those customers.

01/22/2024 - What’s the Outlook for M&A in 2024?

Bank Director’s 2024 Bank M&A Survey explores FIs’ attitudes towards M&A. Although enthusiasm for a deal is somewhat flat, stagnant earnings may motivate FIs’ management and their boards to partner with other institutions in search of low-cost deposits. We discuss possible M&A trends for this year.

01/18/2024 - 2023: We Stayed Afloat — and 2024 Might Be Even Better

Contrary to popular belief, the Global Financial Crisis in 2023 didn’t happen — and likely won’t happen in 2024. We detail topline reports summing up year-end data and share expectations for the market this year, particularly for the banking sector.

01/17/2024 - Duration Hedging as a Shield Against Rising Interest Rates

A CFI’s bond portfolio can face serious risk when interest rates rise. Duration hedging can help moderate that risk, but many financial institutions don’t use it. We review the most common duration hedging strategies to consider for interest rate risk mitigation.

01/16/2024 - Here’s How You Can Emulate the Best Companies To Work For

The Great Resignation may be over, but CFIs should still find ways to attract and retain hard-working employees — especially those who are excited to grow their careers within the institution. CFIs looking for ideas to accomplish this can emulate the 2023 winners of best banks and companies to work for.

01/11/2024 - Do You Need a Chief Happiness Officer?

Employers have begun swapping conventional executive titles with new, trendy alternatives. But it’s not just about the titles — the roles themselves are changing as well, something younger talent with a yearning for a purpose-driven culture especially craves. We explore why these new executive roles may help you get a leg up on the competition for key talent.

01/10/2024 - The Value of Reimagining Commercial Payments

Global B2B activity is poised to reach $111T in 2027, yet businesses are looking to nontraditional providers to fill their needs. Now is the time for CFIs to take a fresh look at their commercial payment services and revamp them to attract business customers with B2B needs before they land elsewhere.

01/09/2024 - Chatbots May Be Too Nice for Their Own Good

Bad actors can prey on a chatbot’s desire to be helpful, gaming its algorithms to provide access to customer accounts or financial systems. We discuss the risks of a chatbot that hasn’t been set up properly and what measures are being taken to make your CFI safer, if you deploy a chatbot.

01/08/2024 - Become Your Business Customers’ #1 Choice

Business banking is most CFIs’ bread and butter. But many businesses have more than one banking relationship. To become a customer’s primary provider, CFIs will have to develop the ability to provide full cash visibility, multibank reporting, and multibank transactions.

01/04/2024 - Get the Best Results from Fintech Partnerships

Over the past three years, nearly half of all banks formed a partnership with a fintech, and 91% of banks have said that fintech partnerships are important in driving business strategy. What factors should CFIs consider to help those partnerships run smoothly and productively?

01/03/2024 - How Should You Determine Executive Bonuses?

Finding the right amount to award your executives for bonuses can be a challenge. Compensation committees that use discretion in determining incentive payouts risk receiving criticism from investors and proxy advisory firms, whose policies tend to prefer formulaic incentive plans. However, discretion is an important feature of many banks’ annual incentive plans that, if used appropriately, can enhance the relationship between executive and CFI.

01/02/2024 - Don’t Overlook the Sensory Experience at Your Branches

As CFIs strive to make branches and in-person experiences for customers more appealing, the importance of the sensory experience should not be overlooked. We discuss why factoring in those experiences makes good sense.

December 2023

12/29/2023 - Holiday Reprint: Eight Quirky Indicators of a Recession

12/28/2023 - Holiday Reprint: Deposit Stickiness Amid Rate Competition

12/27/2023 - Holiday Reprint: Start Preparing for the FedNow Service

12/26/2023 - Holiday Reprint: Is the US Moving Toward a Cashless Society?

12/21/2023 - Reach Out to Unbanked and Underbanked Communities

12/20/2023 - Taking a Page from the Neobanks To Remain Competitive

12/19/2023 - The New CRA Rule: What It Means for Community Banks

12/18/2023 - Faster Payments Slow To Arrive for Cross-Border Transactions

12/14/2023 - A Leadership Program That’s Right for You

12/13/2023 - To Switch or Not To Switch? Reasons Business Customers Leave

12/12/2023 - Top Predictions for CFI Trends in 2024

12/11/2023 - Driving Growth and Profitability in 2024

12/07/2023 - Two Things Customers Want and How To Provide Them

12/06/2023 - 2023 in Review, Pt. 2 of 2: Challenges and Opportunities

12/05/2023 - 2023 in Review, Pt. 1 of 2: Challenges and Opportunities

12/04/2023 - Small-Dollar Loans Are a Win-Win Payday Loan Alternative

November 2023

11/30/2023 - What Gen Z Wants from Your Institution

11/29/2023 - Ways To Identify the Most Promising Startups

11/28/2023 - The Potential of Open Banking for SMB Customers

11/27/2023 - Should You Offer Treasury Management to Business Customers?

11/22/2023 - Positioning Your DEI Initiative for Success

11/21/2023 - Five Ways To Improve Customer Service

11/20/2023 - Instant Payments Can Lead to Instant Problems

11/16/2023 - The Future of Contracts in Banking Is Smart

11/15/2023 - Should Your Chatbot Have a Persona?

11/14/2023 - Four Threats to Your Profits as Margins and Deposits Shrink

11/13/2023 - Three Steps for Effective Strategic Innovation

11/09/2023 - M&A May Be Experiencing a Rebound: Here’s Why

11/08/2023 - How Video Banking Can Expand Your Reach

11/07/2023 - From Transaction to Connection: Building Smart Branches

11/06/2023 - Can Partnering with Fintechs Enhance Your Ag Lending Strategy?

11/02/2023 - Building the FedNow Service: Behind the Scenes with PCBB’s COO

11/01/2023 - Business Loan Automation Can Help Your Bottom Line

October 2023

10/31/2023 - Advice from Gen Z Can Help Inform Your Strategy

10/30/2023 - The Changing Nature of Checking

10/26/2023 - How To Unearth Hidden Cost Savings

10/25/2023 - The Keys to a Successful Transformation

10/24/2023 - Highlights from Bank Director’s 2023 Tech Survey

10/23/2023 - Engaging Customers with Gamification

10/19/2023 - The Value of Thoughtful Financial Literacy

10/18/2023 - Getting To Know the Fed Discount Window

10/17/2023 - Help Your Customers Help Themselves With Business Credit Cards

10/16/2023 - By Banding Together, CFIs Can Participate in Bigger Loans

10/12/2023 - Looking Ahead: Strategic Priorities for CFIs

10/11/2023 - What Virtual Account Management Can Offer Your Customers

10/10/2023 - The Great Microchip Shortage May Be Ending

10/05/2023 - Leveraging Social Media for Customer Service and Support

10/04/2023 - How Technology Broadens Inclusivity for Those with Disabilities

10/03/2023 - Behavioral Economics Can Give You an Edge with SMBs

10/02/2023 - Navigating the “Maybe” Economy

September 2023

09/28/2023 - A Timely Reminder: Six Tips for Strategic Leadership

09/27/2023 - Ensuring the Board Plays Its Part in Strategic Planning

09/26/2023 - The Ins and Outs of Voice of the Customer Programs

09/25/2023 - The Advantages of Bottom-Up Management

09/21/2023 - Risk Landscape Review, Pt. 2 of 2: Key Credit Risks

09/20/2023 - Risk Landscape Review, Pt. 1 of 2: Key Market & Operating Risks

09/19/2023 - Charter Stripping and Reform Talks Rise as De Novo Banks Dwindle

09/18/2023 - Private Equity Firms Take a Larger Slice of the Lending Pie

09/14/2023 - Contactless Payments 2.0: Using Faces, Fingerprints, or Palms

09/13/2023 - Help Your Commercial Customers Better Manage Their Expenses

09/12/2023 - The Profitable Horizon of Embedded Finance

09/11/2023 - Is There Enough Diversity in Your CRE Loan Portfolio?

09/07/2023 - Enhancing Your Business Customers’ Digital Experience

09/06/2023 - FDIC’s Options for Deposit Insurance Reform

09/05/2023 - Tips for Combatting Diversity Fatigue

August 2023

08/31/2023 - The New Trend of Nonbanks Funding Large Syndicated Loans

08/30/2023 - Data Practices that Build Customer Trust

08/29/2023 - Extra Steps To Enhance Board Diversity

08/28/2023 - Using Account Analysis To Enhance Commercial Offerings

08/24/2023 - Trust, but Verify: Auditing Your BSA/AML Compliance Program

08/23/2023 - Beware the Phish with Perfect Grammar

08/22/2023 - Can Transforming Branches into Advice Centers Ease Closures?

08/21/2023 - Effective Fraud Prevention Means a Focus on AR & AP Processes

08/17/2023 - How To Attract Qualified Candidates

08/16/2023 - The Art of Business Networking for New Lenders

08/15/2023 - Five Ways You Can Help Power SMBs’ Green Transition

08/14/2023 - The Need for Speed — Safe Speed

08/10/2023 - Want to Grow Your Business Customer Base? Think Really Small.

08/09/2023 - Can Electronic Cash Flow Data Help Underwrite SMB Loans?

08/08/2023 - Hedging Can Strengthen CRE Lending

08/07/2023 - College Towns Spur Economic Growth

08/03/2023 - CFPB’s Small Business Lending Data Collection Rule: What to Know

08/02/2023 - Six Pre-Default Strategies to Pursue Now

08/01/2023 - The Value of Customer Profitability Modeling

July 2023

07/31/2023 - Sabbaticals: A New Trend To Prevent Burnout and Resignations

07/27/2023 - Strengthen Your Customer Relationships with Text-to-Pay

07/26/2023 - US Banks Dominate AI Development

07/25/2023 - Mobile Banking Is a Crucial Tool for Small Businesses

07/24/2023 - Help Your Employees Keep Up with the Latest Phishing Scams

07/20/2023 - Impending Financial Stability Oversight Council Rule Changes

07/19/2023 - Coastal World: The 3D Experience That’s Changing Digital Banking

07/18/2023 - What Small Businesses Really Want from Their Banks

07/17/2023 - Leapfrogging Across the Land with Cross-Country Branches

07/13/2023 - ADA-Compliant Self-Service Options Boost Customer Satisfaction

07/12/2023 - The Regulatory Scrutiny of Banking as a Service

07/11/2023 - How To Win the Battle for Small Business Customers

07/10/2023 - FedNow Instant Payments Are Almost Here

07/06/2023 - Should You Buy a Fintech?

07/05/2023 - What’s Driving the Rise of Digital-Only Spinoffs?

07/03/2023 - Buy Now, Pay Later Model for Charitable Donations

June 2023

06/29/2023 - The LIBOR-to-SOFR Transition: What You Need To Know

06/28/2023 - Middleware Can Bridge the Gap between Old and New Technology

06/27/2023 - What’s Driving the Latest Wave of Money Mules?

06/26/2023 - Payment Data Can Lead to Personalization

06/22/2023 - The State of Central Bank Digital Currencies

06/21/2023 - The Changing Nature of Risk-Based Pricing

06/20/2023 - Help Customers Lock In Exchange Rates with FX Forwards

06/15/2023 - Get A Leg Up on Direct Banks With Better Customer Experience

06/14/2023 - Why You Shouldn’t Ignore the Internet of Things

06/13/2023 - Updated Beneficial Ownership Rule: What You Need to Know

06/12/2023 - The Threat of Voice Cloning

06/08/2023 - Best Practices for Segregation of Duties

06/07/2023 - Pay by Bank Set To Compete With Credit Cards

06/06/2023 - How To Increase Deposit Stickiness Amid Rate Competition

06/05/2023 - Foster More Debit Card Loyalty Via Fractional Stocks

06/01/2023 - Four Strategies To Reassure Your Customers Right Now

May 2023

05/31/2023 - We Asked ChatGPT To Write About Its Use in Banking

05/30/2023 - Climate Risk Pt. 2 — Climate Change Impacts on Your Risk Profile

05/25/2023 - Climate Risk Pt. 1 — A Global View

05/24/2023 - Did a Person Write This BID?

05/23/2023 - Tech Woes Can Provide Your Gain

05/22/2023 - What’s the Impact of Russian Sanctions on Your Organization?

05/18/2023 - Highlights from the Bank Director’s 2023 Risk Survey

05/17/2023 - The Case for Focusing on Socioeconomic Status in Your Workforce

05/16/2023 - CFIs Scramble To Keep Profits Up

05/15/2023 - It’s a Good Time To Have Lots of Goodwill

05/11/2023 - Manage Your Social Media Risk

05/10/2023 - Banks Are Way Behind in the Digital Race and Execs Know It

05/09/2023 - Check Fraud a Growing Problem

05/08/2023 - Creating an Effective Remote Training Program

05/04/2023 - How to Make Life Miserable for Ransomware Attackers

05/03/2023 - Getting a Head in the Cloud Game

05/02/2023 - Is It Time To Hedge Interest Rate Risk With a Forward Rate Lock?

05/01/2023 - Assembling a Successful Post-Merger Board

April 2023

04/28/2023 - Banking on the Warehouse Boom

04/27/2023 - Localized Branch Designs Strengthen Community Ties

04/26/2023 - When You’re Republic Bank — But Not That Republic Bank

04/25/2023 - Celebrating Community Bank Outreach #4 — Financial Education

04/24/2023 - What Does Big Banks’ Foray into Digital Wallets Hold?

04/21/2023 - Fresh Schemes to Perpetuate Synthetic Identity Fraud

04/20/2023 - Where the Banking Industry Is Putting Tech Dollars to Work

04/19/2023 - Are Rising LDRs a Sign of Liquidity Problems?

04/18/2023 - Celebrating Community Bank Outreach #3 — Helping Children

04/17/2023 - Should You Already Be Targeting Generation Alpha?

04/14/2023 - Opportunities in CRE Lending as Big Banks Retreat

04/13/2023 - What You Can Learn From Digital-Only Competitors

04/12/2023 - Embracing Challenges and Opportunities in the Current Market

04/11/2023 - Celebrating Community Bank Outreach #2 — Feeding Local Families

04/10/2023 - How To Persuade Businesses To Pay for Financial Services

04/07/2023 - Protect Your Bottom Line During Economic Uncertainty

04/06/2023 - Drilling for Business in the Energy Sector

04/05/2023 - Impending Regulatory Changes for Cybersecurity

04/04/2023 - Celebrating Community Bank Outreach #1 — Supporting Local Causes

04/03/2023 - The Case for Stress Testing More Frequently

March 2023

03/31/2023 - The Appeal of Phased Retirement Programs

03/30/2023 - Strategies to Stay Strong Amid Industry Closures

03/29/2023 - Contemplating M&A in 2023? Here’s What — and What Not — To Do

03/28/2023 - Eight Quirky Indicators of a Recession

03/27/2023 - How Hiring Hackers Can Make Your Institution Safer

03/24/2023 - Help Small-Business Customers Access a Little-Known Tax Credit

03/23/2023 - Helping Small Businesses Go International

03/22/2023 - The Growing Role of Biometrics in Cybersecurity

03/21/2023 - Independent Contractors Are Part of a Balanced Hiring Strategy

03/20/2023 - Navigating Zelle’s New Refund Policy

03/17/2023 - Using TikTok to Grow Your Brand with Gen Z

03/16/2023 - Innovative Strategies to Help Your Organization Stand Out

03/15/2023 - How to Stop Losing Your SMB Customers to Neobank Lenders

03/14/2023 - Trends to be Aware of in Cyber Fraud

03/13/2023 - Changing Consumer Spending Shows Cracks in Economy

03/10/2023 - Out with the Old, In with the New: Realigning Incentives

03/09/2023 - Acing Regulatory Exams Requires Knowing What Regulators Want

03/08/2023 - Could Branches-on-Wheels Help You Gain Customers?

03/07/2023 - Rethinking SMB Lending

03/06/2023 - Industry Adoption of SOFR Slower Than Expected

03/03/2023 - Adopt a Shared-Service Mindset for Data Storage

03/02/2023 - The CRA’s Impact on Successful Community Development

03/01/2023 - Liquidity Constraints Necessitate New Strategies

February 2023

02/28/2023 - The Importance of Managing Your AI Risks

02/27/2023 - Wealth Management: In-House or Third Party?

02/24/2023 - Should You Pursue Brokered Deposits?

02/23/2023 - Land Prices Pinch Pipeline of New Farmers

02/22/2023 - Will Retaining Top Talent This Year Cost You?

02/21/2023 - Preventing Wire Fraud Through Verification

02/17/2023 - RegTech Can Make Compliance Easier, Faster, and Cheaper

02/16/2023 - Telling Your ESG Story (Without Greenwashing)

02/15/2023 - Is the US Moving Toward a Cashless Society?

02/14/2023 - Why Truly Understanding Generation Z Is Key

02/13/2023 - Getting the Most from Cyber Insurance

02/10/2023 - How Customer Security Fears Impact Use of Mobile Banking

02/09/2023 - Algorithms: Loan Approval Efficiency Vs. Customer Sentiment

02/08/2023 - Start Preparing for the FedNow Service

02/07/2023 - Ways to Convert Loyalty Programs to Customer Loyalty

02/06/2023 - Earned Wage Access Can Benefit Both You and Your Customers

02/03/2023 - Support the Charities That Are Right for Your CFI

02/02/2023 - Customers Want More Personalization: How CFIs Can Deliver

02/01/2023 - Help Protect Your Customers Against Generational Fraud

January 2023

01/31/2023 - What Makes a Bank One of the “Best Banks to Work For”?

01/30/2023 - Preparing for an Economic Downturn

01/27/2023 - Guidelines for M&A Are Evolving

01/26/2023 - Increasing Employee Engagement with a People-First Culture

01/25/2023 - Greater Income and Control with Credit Cards as a Service

01/24/2023 - The Value of Mining Proprietary Data

01/23/2023 - Rising Interest Rates May Shut Some CFIs out of FHLB Funding

01/20/2023 - Catching the Last Wave of the ECIP Plan

01/19/2023 - Adding Supply Chain Financing to Your Offerings

01/18/2023 - The Rise of Contactless Payments

01/17/2023 - Three Major Trends in IT Spending

01/13/2023 - Combatting Impostor Syndrome

01/12/2023 - What Does the Future Hold for Payments?

01/11/2023 - Now Is the Time to Consider BaaS

01/10/2023 - How CFIs Can Effectively Compete Against Neobanks

01/09/2023 - As CD Rates Rise, Pressure Mounts on Banks to Keep Up

01/06/2023 - Social Payments Have Moved from a Luxury to a Necessity

01/05/2023 - What CFIs Should Know About the OCC's New Strategic Plan

01/04/2023 - Why Open Banking Is Growing Globally

01/03/2023 - Externships Provide a Way to Plug IT Skill Shortages Remotely

December 2022

12/30/2022 - Top BID Articles of 2022 (5 of 5)

12/29/2022 - Top BID Articles of 2022 (4 of 5)

12/28/2022 - Top BID Articles of 2022 (3 of 5)

12/27/2022 - Top BID Articles of 2022 (2 of 5)

12/23/2022 - Top BID Articles of 2022 (1 of 5)

12/22/2022 - Marketing Trends in the Year Ahead

12/21/2022 - OCC Operating Plan Is a “Cheat Sheet” for CFIs

12/20/2022 - A Numerical Anadrome for the Current Market

12/19/2022 - How to Prevent Defaulting Loans Despite a Potential Recession

12/16/2022 - Real-Time Payments Can Help Soothe Supply Chain Issues

12/15/2022 - Top Five Predictions for CFI Trends in 2023

12/14/2022 - 2022 Review, Pt. 3 of 3: The Ever-Evolving Cybersecurity Space

12/13/2022 - Supporting Customers Through the Cost-of-Living Crisis

12/12/2022 - How to Better Serve Customers with Disabilities

12/09/2022 - Is Burnout Causing Turnover in Your Audit Team?

12/08/2022 - How Baby Boomers Will Change the Small Business Landscape

12/07/2022 - 2022 Review, Pt. 2 of 3: Finding Talent in a Tight Labor Market

12/06/2022 - 2022 Review, Pt. 1 of 3: An Unstable Market’s Impact on Lending

12/05/2022 - How CFIs Can Survive Bank Attrition

12/02/2022 - Warming Up Your Sales Call Strategy

12/01/2022 - Patrolling the Digital Space Outside the Security Wall

November 2022

11/30/2022 - Where to Find Your First Embedded Banking Partner (Part 2 of 2)

11/29/2022 - Embedded Banking: A Potential Growth Avenue (Part 1 of 2)

11/28/2022 - Partnerships May Be Key to Affordable 401(k) Offerings for SMEs

11/25/2022 - Six Ways to Make Month-End Close More Efficient

11/23/2022 - Small Business Digitization Leads to International Payment Needs

11/22/2022 - Pros and Cons of Basing Early-Stage SBA Loans on Gross Income

11/21/2022 - The Cybersecurity Risks of Remote Work

11/18/2022 - The Importance of Fairness Testing on Artificial Intelligence

11/17/2022 - Unique Benefits to Enhance Recruiting and Retention

11/16/2022 - How the Housing Market Slowdown Could Impact CFIs

11/15/2022 - Choosing the Right Electronic Bill Payment Platform

11/14/2022 - Why Branding and Marketing Should Be Approached Differently

11/10/2022 - Password-Less Authentication Offers Safety and Convenience

11/09/2022 - CFI Priorities: Growing Loans and Increasing Tech Spending

11/08/2022 - Why Businesses Still Use Paper Checks

11/07/2022 - Is It Time to Join the BNPL Bandwagon?

11/04/2022 - Is a Hard-to-Navigate Website Costing You Opportunities?

11/03/2022 - Skills-Based Hiring Can Improve Diversity and Performance

11/02/2022 - Money Management Tips for Small Business Customers

11/01/2022 - A Handy Guide to Dealing with CFIs’ Top Risks

October 2022

10/31/2022 - The Newest Ford Model: A State Chartered Bank

10/28/2022 - State of the European Payment Initiative

10/27/2022 - Keeping Up with the Mobile Banking Crowd

10/26/2022 - Guidance for Engaging in a Responsible Fintech Partnership

10/25/2022 - Starting an Effective Referral Program for Your CFI

10/24/2022 - Is Voice Banking the Next Must-Have for CFIs?

10/21/2022 - Helping Small Businesses Detect and Prevent Fraud

10/20/2022 - Six Strategies to Navigate Credit Stress

10/19/2022 - The Tech Giant That Wants to Launch a Bank

10/18/2022 - A Strong Dollar Hurts US Companies’ Overseas Business

10/17/2022 - Untapped Markets Right in Your Backyard

10/14/2022 - How to Get Your Website to Boost Your Sales Leads

10/13/2022 - Risk Management for Swaps & Derivatives

10/12/2022 - Unique Strategies to Overcome Cybersecurity Talent Shortages

10/11/2022 - Make Your Mobile Banking App Into a Swiss Army Knife

10/07/2022 - Employee Financial Wellness Affects Your Bottom Line

10/06/2022 - Carbon Calculators: Good for Customers and the Planet

10/05/2022 - Harnessing the Power of Your Data Through Analytics

10/04/2022 - Today’s Unpredictable Economy Creates a Teachable Moment

10/03/2022 - Information-Sharing Networks Identify Financial Crimes Faster

September 2022

09/30/2022 - Keep Your Eye on AI in Your Hiring Process

09/29/2022 - The Gap Between Tech Enthusiasm and Actual Customer Use

09/28/2022 - Planning an Effective Executive Retreat

09/27/2022 - Leveraging Customer Data to Increase Profitability

09/26/2022 - Using CTV Advertising to Micro-Target Consumers

09/23/2022 - Gen Z’s Thirst for Financial Education

09/22/2022 - Keeping the “Community” in Banking During Digitization

09/21/2022 - Preparing Small Businesses for Universal Retirement

09/20/2022 - Managing CRE Exposure in an Uncertain Market

09/19/2022 - CFIs are Taking a Bite Out of Apple Pay’s Dominance

09/16/2022 - Risk-Based Pricing Can Boost Profitability

09/15/2022 - Making More by Spending More

09/14/2022 - Ways to Respond to Rising Interest Rates

09/13/2022 - Marketing Isn’t “One Size Fits All”

09/12/2022 - Educating Customers on the Risks of Gaming Platforms

09/09/2022 - Self-Service Banking Is Here to Stay

09/08/2022 - Spoofers Target CFI Customers

09/07/2022 - Can an M&A Deal Help You Compete with Big Banks? (Part 2 of 2)

09/06/2022 - Taking Online Chat for Customer Service to the Next Level

09/02/2022 - How to Future-Proof Your Employees with Reskilling

09/01/2022 - Is a Subscription Model Right for Your CFI?

August 2022

08/31/2022 - Trends Driving M&A Activity (Part 1 of 2)

08/30/2022 - Preparing for the Possibility of Stagflation

08/29/2022 - Thanks to Investors, the Mortgage Business Is Shrinking

08/26/2022 - To Retain New Hires, Focus on an Employee’s First 90 Days

08/25/2022 - The Risks of Monitoring Employees & How to Do It Right

08/24/2022 - Can a Back-to-Basics Sales Approach Help You Gain SME Loans?

08/23/2022 - How to Empower Women to Start Investing

08/22/2022 - Driving Value Through Internet of Things Technology

08/19/2022 - Loans as an Employee Benefit Boost DEI Recruiting Efforts

08/18/2022 - Retaining Customers as Rates Move Higher

08/17/2022 - How CFIs Can Maintain Adequate Capital in a Downturn

08/16/2022 - Small & Mighty — the Value of Microcasts

08/15/2022 - Digital Transformation Lessons from Early Adopters

08/12/2022 - Can Playing Games at Work Make You More Engaged?

08/11/2022 - Attracting Women Back to the Work World (Part 2 of 2)

08/10/2022 - Fed ISO 20022: Key Deadlines for 2022 & Beyond

08/09/2022 - Small Business Sentiment on Borrowing

08/08/2022 - Career Relaunch Programs Can Be Beneficial (Part 1 of 2)

08/05/2022 - Hobbyists Are Pricing Out Some Farmers and Ranchers

08/04/2022 - Designing Branches in the Post-Pandemic Era

08/03/2022 - Local School Partnerships Can Mean Future Customers & Employees

08/02/2022 - Increasing Shareholder Value in Today’s Economic Environment

08/01/2022 - Successfully Expanding PPP Relationships

July 2022

07/29/2022 - Predictive Analytics Help Personalize Customer Relationships

07/28/2022 - Inverted Yield Curve May Bring Hedging Opportunity

07/27/2022 - Automating the Back Office is Critical, Too

07/26/2022 - Why Cloud Computing Adoption is Sky High

07/25/2022 - Should Your Institution be Prepared for Foreclosure Déjà vu?

07/22/2022 - Lower-Pain Core Conversions

07/21/2022 - Build an Effective Board by Following Best Practices

07/20/2022 - Key Credit Risk Challenges for the Year Ahead (Part 2 of 2)

07/19/2022 - What the Lingering Chip Shortage Means for CFIs

07/18/2022 - Identifying Customer Attrition

07/15/2022 - Combatting Burnout Among Female Employees

07/14/2022 - Partnering with Neobanks — Yes or No?

07/13/2022 - Emerging Risks for the Banking Industry (Part 1 of 2)

07/12/2022 - Serious Hack-Attack-You Have 36 Hours to Report It

07/11/2022 - Capturing Client Attention in the Blink of an Eye

07/08/2022 - Focus on the All-Important “Why” in Staff Training

07/07/2022 - The Big Picture on Synthetic Image Fraud

07/06/2022 - Is CHUCK the P2P Answer for Community Financial Institutions?

07/05/2022 - Talking Your Way to Profits

07/01/2022 - Boost Earnings with New Lines of Business

June 2022

06/30/2022 - Commercial Loan Demand Picking Up Steam

06/29/2022 - How Paid Social Media Can Pay Off

06/28/2022 - Should Your Bank Invest in Fintech-focused Private Equity?

06/27/2022 - Adapting Loyalty Programs in a Shifting Customer Landscape

06/24/2022 - How to Manage Understaffed Teams Effectively

06/23/2022 - Four Strategies to Attract Small Business Customers

06/22/2022 - Frictionless Authentication is the Key to Personalization

06/21/2022 - Potential Clouds on the Horizon for Office Loans

06/17/2022 - What It Takes to Be a Top-Performing CFI

06/16/2022 - Looking to the Past for Lessons on Weathering a Recession

06/15/2022 - Documenting Conversations Over Multiple Communication Platforms

06/14/2022 - Outsourcing Talent in an Instacart World

06/13/2022 - Strengthening Small Business Customer Relationships

06/10/2022 - Accident Ahead – Insufficient Security Leads to IVR Fraud

06/09/2022 - The Emerging Crypto Lending Landscape

06/08/2022 - Creating a Green Niche to Bank On

06/07/2022 - Grow Your Customer Base Through Community-Focused Initiatives

06/06/2022 - Six Strategies to Bolster Your Cybersecurity

06/03/2022 - Digital Dead Ends Highlight the Importance of Live Agents

06/02/2022 - Can Rural Banking Deserts Become Banking Opportunities For CFIs?

06/01/2022 - Seven Steps To Combat Meeting Fatigue

May 2022

05/31/2022 - Interest Rate Swaps Help Retain Customers

05/27/2022 - How Can Virtual Mentorships Help Retain Employees?

05/26/2022 - Five Strategies To Engage the Unbanked & Underbanked

05/25/2022 - Risk Mitigation Reminders for Construction Loans

05/24/2022 - Four Ways To Evolve Your Branch

05/23/2022 - How Will Continuing Geopolitical Events Affect Ag Customers?

05/20/2022 - Three Ways To Generate Income

05/19/2022 - Reminders to Strengthen AML and OFAC Practices

05/18/2022 - The Future Power of Blockchain

05/17/2022 - Cybersecurity is High – How to Keep Fighting

05/16/2022 - How to Please Dissatisfied Zillennial Employees

05/13/2022 - Will Changing M&A Regulations Affect Your Strategy?

05/12/2022 - Attracting New Customers With ESG

05/11/2022 - Be Prepared for Rising Rates

05/10/2022 - How Can Mobile Ads Help You Find New Customers?

05/09/2022 - Virtual Payment Cards Are Picking Up Steam

05/06/2022 - How To Enter The Hot Mobile Home Lending Sector

05/05/2022 - How To Instill The “I” In DEI In Your Institution

05/04/2022 - What Does The Metaverse Mean For CFIs?

05/03/2022 - Hotels Are On The Upswing – But For How Long?

05/02/2022 - Managing Online Reviews Can Strengthen Customer Relationships

April 2022

04/29/2022 - Need Fee Income? Try Hedging

04/28/2022 - Playing An Important Role In Spreading Financial Literacy

04/27/2022 - Return On Experience Metric Drives Financial Institution Growth

04/26/2022 - CRE’s Industrial Sector – Will It Stay Solid In 2022?

04/25/2022 - Special Issue 4 – Community Bankers Always Make A Big Impact

04/22/2022 - Tap Into The Benefits Of Hedging During A Flat Yield Curve

04/21/2022 - Integrating Hybrid Work With Strong Company Culture

04/20/2022 - Are Checking Accounts Going To Be Extinct?

04/19/2022 - BIN ISO Rules Are Changing For Payment Cards – How To Prepare

04/18/2022 - Special Issue 3 - Community Bankers Continue Making A Big Impact

04/15/2022 - Embedded Compliance Controls – Should You Consider Them?

04/14/2022 - How To Keep Championing Minority-Owned Businesses

04/13/2022 - Top Five Technologies To Leverage And Stay Competitive

04/12/2022 - How To Stem Dissatisfaction When Employees Leave

04/11/2022 - Special Issue 2 - Community Bankers Keep Making A Big Impact

04/08/2022 - Independent ATMs – Do They Provide An Opportunity?

04/07/2022 - Microlending – Is It Worthwhile?

04/06/2022 - Benefits Of Rehiring Boomerang Employees

04/05/2022 - Educating SMBs About Increased Cyber Risks

04/04/2022 - Special Issue 1 - Community Bankers Making A Big Impact

04/01/2022 - Should Surging Fertilizer Costs Worry CFIs?

March 2022

03/31/2022 - Essential Leadership Traits In The New Hybrid World

03/30/2022 - Mitigating Employee Stress For Higher Productivity

03/29/2022 - Best Practices To Apply Q Factors For CECL

03/28/2022 - Lending Opportunities Rise In 2022

03/25/2022 - Is Selfie ID Verification Here To Stay?

03/24/2022 - AI To The Rescue: Solving Customer Service Staff Shortages

03/23/2022 - How Your Institution Can Hedge Without SOFR

03/22/2022 - Evaluating Your Board’s Effectiveness For Continued Success

03/21/2022 - What Does America’s Shrinking Branch Network Mean For CFIs?

03/18/2022 - Meeting The Cybersecurity Challenge With NIST’s Tool

03/17/2022 - Four Precautions On QR Code Fraud

03/16/2022 - Payment Cards With Vertical Designs Help A Variety Of Customers

03/15/2022 - The Appeal Of Text-To-Pay For Small Businesses

03/14/2022 - Lessons Learned From Your Peers On Customer Profitability

03/11/2022 - RFID Increases Operational Efficiencies & Customer Service

03/10/2022 - Three Steps To Get Ready For Faster Payments

03/09/2022 - Cryptomania Is Here – Should CFIs Respond?

03/08/2022 - Remittances Are Rising – Is It Time To Jump Onboard?

03/07/2022 - How To Mitigate Rising Mobile Fraud

03/04/2022 - Minimizing Customer Effort Leads To Customer Retention

03/03/2022 - Are Overdraft Charges A Thing Of The Past?

03/02/2022 - Should CFIs Use TikTok For Marketing?

03/01/2022 - Finding New International Business Customers In Your Midst

February 2022

02/28/2022 - Deepfakes Are Increasing – Top Three Scams To Watch

02/25/2022 - Reaping The Rewards Of SMB Optimism

02/24/2022 - Key Takeaways From Former FDIC Chair McWilliams

02/23/2022 - Where Are CRE Investors Investing?

02/22/2022 - GAO Guidance On High-Risk-Transfers For Humanitarian Funding

02/18/2022 - Volunteer Data Can Help Nonprofits In Your Community

02/17/2022 - Three Steps To Prepare For A US Digital Dollar

02/16/2022 - More Ways To Connect With Gen Z As Future Customers

02/15/2022 - Defend Your Stored Data Against Cybercriminal Attacks

02/14/2022 - Protecting An Aging Population From Elder Financial Abuse

02/11/2022 - Planning For Succession Success

02/10/2022 - Four Strategies To Boost Board Diversity

02/09/2022 - Enticing Younger Customers With Wealth Management

02/08/2022 - Key Reminders To Protect Your Institution From Money Mules

02/07/2022 - Running CECL In Parallel – What You Should Know

02/04/2022 - Three Strategies To Ensure Your Website Is ADA Compliant

02/03/2022 - How To Use AI Effectively And Mitigate Bias

02/02/2022 - Risks Capturing Regulatory Attention & Potential Mitigations

02/01/2022 - Appealing To 60MM Self-Employed Businesses

January 2022

01/31/2022 - USPS Banking Services Have Resurfaced

01/28/2022 - Five Steps For A Successful Universal Banker Model

01/27/2022 - Metaverse Marketing – A New Way To Reach Customers

01/26/2022 - An Update On Cloud Services For CFIs

01/25/2022 - Three Strategies To Prepare CFIs For Rate Increases

01/24/2022 - Drive-By Skimming & Supply Chain Attacks Can Affect Your Website

01/21/2022 - Will CFIs Have Enough Reserves For CECL?

01/20/2022 - Four Ways To Prepare For Faster Payments

01/19/2022 - Mitigating Stress Levels For Compliance Employees

01/18/2022 - Using Technology To Better Respond To Your Customer Needs

01/14/2022 - Is Augmented Reality Now A Necessity For Financial Institutions?

01/13/2022 - Mobile Messaging – A Key Banking Communication Tool

01/12/2022 - Three Strategies To Harness Career-Changers

01/11/2022 - Lessons Learned From The Exodus Of Challenger Banks

01/10/2022 - Could Charitable Foundations Provide A Lasting Community Impact?

01/07/2022 - How CFIs Are Managing Remote Work

01/06/2022 - Will The Agricultural Recovery Last?

01/05/2022 - How CFIs Can Maintain Customer Stickiness

01/04/2022 - Contactless Commerce Technologies Could Help SMBs

01/03/2022 - Top Five Trends For 2022

December 2021

12/31/2021 - Top 2021 BID Articles (5 of 5)

12/30/2021 - Top 2021 BID Articles (4 of 5)

12/29/2021 - Top 2021 BID Articles (3 of 5)

12/28/2021 - Top 2021 BID Articles (2 of 5)

12/27/2021 - Top 2021 BID Articles (1 of 5)

12/24/2021 - De Novos Are On The Rise – Trend Or Blip?

12/23/2021 - New Cyber Risk Reporting Rule

12/22/2021 - An Update On Cryptocurrency

12/21/2021 - CFIs Combat Employee Turnover

12/20/2021 - Getting Maximum Value From Your Core Provider

12/17/2021 - Uncovering Opportunities In Treasury Management Services

12/16/2021 - Three Reasons You Should Entice Middle Market Businesses

12/15/2021 - Is Your Institution Ready To Transition From LIBOR?

12/14/2021 - How To Balance Digital Innovations With Daily Tasks

12/13/2021 - CNP Is Responsible For 80% Of US Fraud

12/10/2021 - Time Wasters – How To Minimize Them In Your Institution

12/09/2021 - FSOC Highlights Climate-Related Risks

12/08/2021 - What Does The Shift In Consumer Spending Mean For CFIs?

12/07/2021 - Have You Considered These Cyber Risks With Your M&A?

12/06/2021 - Five Lending Tips To Stay Competitive

12/03/2021 - Have You Reviewed Your Institution’s Cash Strategy Lately?

12/02/2021 - Supply Chain Woes Continue For SMBs – CFIs Can Help

12/01/2021 - Bank Merger Deals Hit $52B – How Will Community Banks Fare?

November 2021

11/30/2021 - Housing Rental Market Is Red Hot – But For How Long?

11/29/2021 - OTP Fraud – What Is It & How Can You Prevent It?

11/26/2021 - Is Your Institution Keeping Up With Customer Data Privacy Rules?

11/24/2021 - A Look Back In 2021 - Lending & CRE (Part 2)

11/23/2021 - A Look Back In 2021 - Regulations & Cyber Risk (Part 1)

11/22/2021 - Three Ways To Help Businesses With Global Payments

11/19/2021 - Cryptocurrency Exchange Machines & Crypto Banking

11/18/2021 - Proptech – Landlords Gain Efficiencies

11/17/2021 - How Should CFIs Approach Buy Now, Pay Later?

11/16/2021 - Three Areas To Use Customer Research To Strengthen Your CFI

11/15/2021 - Decentralized Finance Is Coming

11/12/2021 - The Benefits Of Virtual Conferences And Business Metaverses

11/10/2021 - Six Steps To Becoming A Successful Blogger

11/09/2021 - Using AI For Risk Management And Efficiency Gains

11/08/2021 - Managing The Effects of Revenue Recession

11/05/2021 - Is Your Content Generating New Business?

11/04/2021 - Stemming The Rise Of Elder Financial Fraud

11/03/2021 - Three Approaches To Attract Younger Customers

11/02/2021 - How Can CFIs Navigate Continuing Bank Card Chip Woes?

11/01/2021 - The End Of Google Plex Yet Embedded Banking Continues

October 2021

10/29/2021 - Three Payment Strategies To Support SMBs

10/28/2021 - FIs Share Data To Strengthen Cybersecurity

10/27/2021 - CFOs Face Today’s Challenges Head-On

10/26/2021 - Can You Detect A Profitable Startup?

10/25/2021 - Three Ways To Become A Better Manager And Retain Employees

10/22/2021 - Harnessing Digital For Hyper-Personalized Service

10/21/2021 - Do You Have Secure Endpoint Security?

10/20/2021 - Can CECL Make Your Institution More Efficient?

10/19/2021 - Facebook’s Cryptocurrency Emerges Again - Threat Or Opportunity?

10/18/2021 - Small Businesses Need CFIs For International Payments

10/15/2021 - Can Your Institution Compete Effectively For Talent?

10/14/2021 - Five Ways To Prevent Employee Burnout

10/13/2021 - How Are CFIs Doing With The LIBOR Transition?

10/12/2021 - Are Shared Branches Possible?

10/08/2021 - Storytelling 101 For Bankers

10/07/2021 - Credit Union-Community Bank Mergers Continue

10/06/2021 - Three Strategies For Landlords After The Moratorium Expires

10/05/2021 - Are You On Top Of Your Patch Management?

10/04/2021 - Inflation Is Up – Now Is The Time For Stress Testing

10/01/2021 - Preparing For Retirement Of Boomer Business Owners

September 2021

09/30/2021 - Regulatory Update & Focus For Your Next Exam

09/29/2021 - Opportunities With Nonemployer Firms Abound

09/28/2021 - Is Low-Code Or No-Code Worthwhile To Stay Digitally Competitive?

09/27/2021 - Top Five Places Where CECL Calculations Can Go Wrong

09/24/2021 - Strategic Planning For 2022 Requires Proactive Leadership

09/23/2021 - Syndicated Loan Market Offers Lending Possibilities For CFIs

09/22/2021 - PPP Forgiveness Audits – What Should You Know?

09/21/2021 - Five Steps To Bring Back Internship Programs

09/20/2021 - Digital-Only Spin-Offs For CFIs?

09/17/2021 - Hybrid Branches – The Best Of Both Worlds?

09/16/2021 - Overall Lending Market Signs

09/15/2021 - Balancing Fintech Partnerships & Regulatory Compliance

09/14/2021 - How To Choose The Right CECL Vendor

09/13/2021 - How To Balance Customer Profitability& PPP Forgiveness

09/10/2021 - Seven Strategies To Gain & Retain Diverse Employees

09/09/2021 - FIs Reveal Their IT Spending Priorities

09/08/2021 - Natural Disasters Keep Coming – Preparing With Fresh Eyes

09/07/2021 - Three Steps To Optimal Digital Onboarding

09/03/2021 - Staying Vigilant With MFA

09/02/2021 - Is Wealth Management The Key For Your Institution?

09/01/2021 - BaaS Transactions Hit $22.5B & Continue To Grow

August 2021

08/31/2021 - Are CRE Lending Prospects On The Upswing?

08/30/2021 - Retaining Talent As Workers Rethink Career Goals

08/27/2021 - How To Reduce “The Uncertainty Zone” Of Fraud

08/26/2021 - The Challenges Of Pandemic Protocols & Branch Security

08/25/2021 - Barclays & Mastercard – Latest RTP Developments

08/24/2021 - Minority-Owned Businesses Get Support From FIs

08/23/2021 - Hospitality Industry – Is It Out Of Intensive Care Yet?

08/20/2021 - Key Areas Of Anticipated Regulatory Scrutiny

08/19/2021 - Is It Time To Review Your Branch Strategy?

08/18/2021 - Bringing Your A-Game To Communications

08/17/2021 - Four Reasons CFIs Are Acquiring Nonbanks

08/16/2021 - Three Ways To Help Your SMBs Automate Their AP Processes

08/13/2021 - Gen Z Employees Need Three Things To Stay Happy

08/12/2021 - Appealing To Gen Z – A Competitive Advantage

08/11/2021 - How CFIs Can Prepare For Rising Rates

08/10/2021 - How Can You Keep New Customers From Switching?

08/09/2021 - Supporting Single Parent Employees For A Win-Win

08/06/2021 - Five Ways To Support Artists And Generate Business

08/05/2021 - What Is Keeping Risk Managers Busier Than Ever?

08/04/2021 - Financial Institutions Of All Sizes Increase DEI Efforts

08/03/2021 - Is It Time To Defer Compensation?

08/02/2021 - Key Strategies To Promote Digital Engagement

July 2021

07/30/2021 - Big Tech Approaches To Streamline & Secure Passwords

07/29/2021 - The Fed’s New CECL Tool

07/28/2021 - Ag Lenders Show Resilience And Promise Ahead

07/27/2021 - Update: The Overdraft Challenge

07/26/2021 - Chip Shortage Affects Bank Card Availability

07/23/2021 - The Rising Financial Clout Of Millennials

07/22/2021 - FFIEC Update Provides More Clarity On Exams

07/21/2021 - Managing The Rush From Staycation To Vacation

07/20/2021 - FDIC Announces Tech Sprint To Help Unbanked

07/19/2021 - “Insuring” Cyber Success For SMBs

07/16/2021 - Digital Account Opening – Is It Table Stakes?

07/15/2021 - Five Indicators That Your Brand Needs A Makeover

07/14/2021 - Can Profitability Increase In A Low NIM Environment?

07/13/2021 - Five Steps To Plan For Digital Currencies

07/12/2021 - Using Data To Expand Your Institution’s SBA Lending

07/09/2021 - Update - SEC’s Climate Change Regulations

07/08/2021 - Real-Time Payments - Myths & Facts

07/07/2021 - PPP Insider Loans Extended – Pros, Cons & Pitfalls

07/06/2021 - Time To Review Your Coaching & Disciplinary Process?

07/02/2021 - How To Minimize Current Balance Sheet Disparity

07/01/2021 - Approaches To Stay Connected With Small Businesses

June 2021

06/30/2021 - C-PACE Is Growing – What Should You Know?

06/29/2021 - Four Strategies To Fight IVR Fraud

06/28/2021 - Considerations For A Successful Workplace Transition

06/25/2021 - A Fresh Approach To Modern ATMs

06/24/2021 - Increasing Finance App Usage - How to Respond

06/23/2021 - Three Effective Succession Planning Strategies

06/22/2021 - How To Square Up The Latest Competition

06/21/2021 - Three Eco-Friendly Payment Card Strategies

06/18/2021 - Business Email Fraud Is Growing

06/17/2021 - Ransomware Attacks On Community Banks

06/16/2021 - Top Takeaways For FSA Loan Forgiveness

06/15/2021 - Neobanks Are Growing – Are They A Threat?

06/14/2021 - Virtual Cards Are Here – What Should You Know?

06/11/2021 - How To Compete With Marketplace Lenders

06/10/2021 - Private Social Networks Engage Customers

06/09/2021 - Four Best Practices For Changing Culture To Stay Competitive

06/08/2021 - Helping Small Businesses With Supply Chain Disruptions

06/07/2021 - Remote Core Conversion Benefits May Outweigh Downsides

06/04/2021 - Banking M&A Rebounding To Near Pre-Pandemic Levels

06/03/2021 - Strategic Planning – Has It Changed Since The Pandemic?

06/02/2021 - Coin Shortage Meets A Cashless Economy

06/01/2021 - Teaching International Business Customers The Value Of Hedging

May 2021

05/28/2021 - Social Media Complaints – What You Should Do

05/27/2021 - Why The Gig Worker Should Get Your Attention

05/26/2021 - What To Consider For Digital Inclusivity

05/25/2021 - Four Ways To Successfully Ramp Up SMB Lending

05/24/2021 - How The Pandemic Has Shaped Fintech-CFI Partnerships

05/21/2021 - Big Banks Return To The Office Post-Pandemic

05/20/2021 - Cryptocurrencies Are Growing – Is It Worth Jumping In?

05/19/2021 - Keeping Family-Owned Banks In The Family

05/18/2021 - Options For Legal Support In Today’s Market

05/17/2021 - Podcasting is Smart Marketing for CFIs

05/14/2021 - CRE Outlook is Positive As Economy Ramps Up

05/13/2021 - Facial Biometrics Help FIs Fight Onboarding & KYC Fraud

05/12/2021 - Resuming CECL Compliance Planning

05/11/2021 - Educate Your Board On Post-Pandemic Strategies

05/10/2021 - Cybercrime & The Dark Web: 3 Steps to Stay Vigilant

05/07/2021 - An AI Primer For Increasing Efficiency

05/06/2021 - 4 Ways Digital Marketing Transitions You To The “New Normal”

05/05/2021 - FIs Will Spend $130B on RegTech By 2025

05/04/2021 - Encouraging Small Talk Within Your Institution

05/03/2021 - Officer Incentive Plans & Profitability

April 2021

04/30/2021 - Subscription Banking – Is It Time For Your Institution?

04/29/2021 - Helping Your Customers Combat Online Crime

04/28/2021 - Residual CRE Impact From The Pandemic

04/27/2021 - Inflation & Interest Rates – Where Are They Going?

04/26/2021 - Community Bankers Will Continue Saving The Day

04/23/2021 - Should Your Institution Consider Creating A CDO Position?

04/22/2021 - Four Critical Reminders To Transition From LIBOR To SOFR

04/21/2021 - Stay On Top Of PPP Changes For Your Customers

04/20/2021 - Five Strategies Toward Effective Vendor Management

04/19/2021 - Community Bankers Keep Saving The Day

04/16/2021 - $21 Trillion Opportunity In Cross-Border Payments

04/15/2021 - Core Deposit Growth Sets Your Institution Up For The Future

04/14/2021 - Update: State Online Data Privacy Laws

04/13/2021 - Four Ways To Keep Your Landlord Clients Afloat

04/12/2021 - Community Bankers Save The Day Again

04/09/2021 - Physically Fit Bank Customers Are Fiscally Fit Too

04/08/2021 - Appealing To The $143B Spending Power Generation

04/07/2021 - ACH Disruptions Remind Bankers of BCP Importance

04/06/2021 - 3 Ways To Keep Performance High With Hybrid Employees

04/05/2021 - Community Bankers Save The Day

04/02/2021 - CRE Recovery Looks Mixed – Winners and Losers

04/01/2021 - How Is FedNow Coming Along?

March 2021

03/31/2021 - Learning To Swim In Liquidity – What Can Bankers Do?

03/30/2021 - Community Banks And Credit Unions – New Friendships?

03/29/2021 - Four Ways To Progress With Corporate Governance

03/26/2021 - Put Your Referral Programs In Gear

03/25/2021 - Trade Finance Can Grow International Business

03/24/2021 - Reaching More Customers By Going Viral

03/23/2021 - Six Steps Your Institution Should Take Towards SOFR

03/22/2021 - Three Key Areas Impacting Customer Profitability

03/19/2021 - Branch Closures – The Influencers & The Future

03/18/2021 - Zoom Fatigue Is Still Here – How It Affects Us And What To Do

03/17/2021 - Five Ways To Grow Your Business

03/16/2021 - Merchants Optimistic About Contactless Payments

03/15/2021 - Stemming The Exodus Of Women In The Workplace

03/12/2021 - Helping The Underbanked And Unbanked

03/11/2021 - What SMBs Are Looking For In International Payment Solutions

03/10/2021 - How To Test For Volatility In A Post-Pandemic Normal

03/09/2021 - Three Ways To Add More Board Diversity

03/08/2021 - Three Ways To Improve The Customer Experience

03/05/2021 - What Are Banks Saying About M&A In 2021?

03/04/2021 - Three Steps To Get Started With Open Banking

03/03/2021 - 50% Of People Would Switch Banks For Biometric Cards

03/02/2021 - Should CFIs Worry About Peak Oil?

03/01/2021 - How Do You Identify & Fight Synthetic Identity Fraud?

February 2021

02/26/2021 - Help Your Borrowers With Tax Breaks On Forgiven PPP Loans

02/25/2021 - Three Ways To Help Small Landlord Customers

02/24/2021 - Leadership Traits Are Evolving

02/23/2021 - Using Biometrics While Mitigating The Risks

02/22/2021 - Retain Deposits With Technology

02/19/2021 - Your Next Exam & Tough Questions On Climate Change Risks

02/18/2021 - Helping SMBs Ramp Up Digital Disbursements

02/17/2021 - From Pandemic To Productivity Challenges

02/16/2021 - Three Secrets Of Successful Fintech Partnerships

02/12/2021 - How Will CECL Affect Your Institution’s Securities?

02/11/2021 - Relationship Value Pricing And Customer Profitability

02/10/2021 - Passwords – Are Their Days Numbered?

02/09/2021 - Using Influencer Marketing To Engage Customers & Talent

02/08/2021 - Security Operations Center – Is It For You?

02/05/2021 - Startups Find Opportunities – Your Institution Could Too

02/04/2021 - FedNow℠ Service Is Making Progress – What You Should Know

02/03/2021 - Credit Migration Trend – Where Is It Heading?

02/02/2021 - The COVID-19 Vaccine And Your Employees

02/01/2021 - Educating Your Customers About SIM Swap Fraud

January 2021

01/29/2021 - Employee Diversity Boosts Engagement & Performance

01/28/2021 - The Year Ahead In Anti-Money Laundering Compliance

01/27/2021 - LIBOR To SOFR – Next Steps To Keep You On Track

01/26/2021 - How Can Wire Automation Help Your Institution?

01/25/2021 - Categorizing PPP Customers For Customer Profitability

01/22/2021 - Opportunities Emerge As Digital Banking Increases

01/21/2021 - PPP Lending Is Back . . . And There Are Changes

01/20/2021 - Making Meetings More Productive

01/19/2021 - Four Ways To Help Your Customers Fight Fraud

01/15/2021 - Bank Landscaping For Greater Engagement

01/14/2021 - Embedded Banking Is Expanding

01/13/2021 - Merchant Businesses Generate 2.6x More Revenue

01/12/2021 - Automation Keeps Your Institution Competitive

01/11/2021 - How One Of Your Peers Succeeded With Mobile Wallets

01/08/2021 - Staying Compliant With Artificial Intelligence

01/07/2021 - Three Ways To Manage 2021 Lending Challenges

01/06/2021 - Four Banking Technology Spending Trends In 2021

01/05/2021 - Your Data Privacy Program Can Be A Competitive Tool

01/04/2021 - Top 5 Areas Of Regulatory Focus For 2021

December 2020

12/31/2020 - Top 2020 BID Articles (5 of 5)

12/30/2020 - Top 2020 BID Articles (4 of 5)

12/29/2020 - Top 2020 BID Articles (3 of 5)

12/28/2020 - Top 2020 BID Articles (2 of 5)

12/24/2020 - Top 2020 BID Articles (1 of 5)

12/23/2020 - Lessons In Longevity With The Oldest Community Banks

12/22/2020 - Is The Tide Shifting For Cannabis Businesses?

12/21/2020 - PCBB Survey Results Are In - The COVID Impact On CFIs

12/18/2020 - Faster Payments: What Are Your Peers Doing?

12/17/2020 - Four Ways To Help Seniors Avoid 2020 Holiday Online Fraud

12/16/2020 - Three Creative CRE Opportunities For Unused Space

12/15/2020 - Diversity & Inclusion Assessments - Time To Be Proactive?

12/14/2020 - PPP-Related Scams To Avoid

12/11/2020 - SOFR Takes The Spotlight As LIBOR's Days Are Numbered

12/10/2020 - Open Banking - What You Should Know

12/09/2020 - Bank M&A - Present & Future

12/08/2020 - Fed's Program Helps CRA Connections

12/07/2020 - QR Codes For Contactless Payments - Here To Stay?

12/04/2020 - Holiday Parties A La Pandemic

12/03/2020 - How To Renew Your D&O During A Pandemic

12/02/2020 - Six Mobile Banking Tips For Maximum Engagement

12/01/2020 - Inquiry & Insight: SERPs, Employee Onboarding, MSLP

November 2020

11/30/2020 - Competitively Recruiting For Longevity & ROI

11/27/2020 - Digital Ads Are Growing - Why Your CFI Should Jump In

11/25/2020 - Credential Stuffing - What It Is & How To Combat It

11/24/2020 - Is Suburban Migration An Advantage For CFIs?

11/23/2020 - CECL Is Still On The Horizon - Three Considerations

11/20/2020 - Five Best Practices For Top Employee Satisfaction

11/19/2020 - Banking Regulators Discussing Climate Risks

11/18/2020 - Creating More Connections With Millennials

11/17/2020 - What International Business Customers Want From Their CFI

11/16/2020 - Bank Charters For Tech Giants?

11/13/2020 - Opportunities With The Internet Of Things

11/12/2020 - Three Tips To Succeed With Wealth Management Services

11/10/2020 - Four Tips For Your Next Regulatory Examination

11/09/2020 - Small-Dollar Loans: An Update

11/06/2020 - Four Pandemic-Specific Loyalty Rewards

11/05/2020 - Inquiry & Insight: Businesses, Mobile-First Card, Remote Workers

11/04/2020 - Three Ways to Help Your Customers Amid Financial Anxiety

11/03/2020 - Will Financial Institutions Look Like Dentist Offices?

11/02/2020 - More Regulators Helping Community Bankers

October 2020

10/30/2020 - Payment Trends Now And Post-Pandemic

10/29/2020 - Four Mistakes To Avoid With Technology Development

10/28/2020 - Fed's Flexibility Helps Community Bankers Serve Customers

10/27/2020 - Five Key Indicators For The CRE Market

10/26/2020 - Helping Budding Entrepreneurs During A Pandemic

10/23/2020 - Could Google Affect Lending And New Talent Pools?

10/22/2020 - Three Ways To Engage Minority-Owned Businesses

10/21/2020 - Bank M&A Antitrust Under Review

10/20/2020 - Conversations With Bankers On Lending And 2021 Planning

10/19/2020 - Reasons To Consider One-Stop Bill Payment

10/16/2020 - Three Reasons Why MSLP Is Viable

10/15/2020 - Faster Payments Are Here - Are You Ready?

10/14/2020 - Password Management Reminders In A WFH World

10/13/2020 - Inquiry & Insight: Stock Buy Back, Branches, Diversity

10/09/2020 - The Latest Signs Of Business Optimism

10/08/2020 - Three Strategies To Manage Child Care Issues

10/07/2020 - Agribusiness Trends To Watch

10/06/2020 - Five Leadership Tips For Remote Teams

10/05/2020 - Fighting Back Against Mobile Banking Fraud

10/02/2020 - Thanking Customers Especially During The Pandemic

10/01/2020 - Pandemic Prompts CFOs To Use More Automation

September 2020

09/30/2020 - Four Ways To Engage Gen Z Employees

09/29/2020 - Four Ways To Attract Gen Z Business Owners

09/28/2020 - What Banks Should Know About Crypto Custody Services

09/25/2020 - Strategic Planning Considerations During A Pandemic

09/24/2020 - Three Steps Forward In The LIBOR-SOFR Transition

09/23/2020 - Four Steps For Virtual Employee Onboarding

09/22/2020 - A Refresher For Complaint Management

09/21/2020 - Will Drive-Through Banking Continue?

09/18/2020 - Looking Outside Of The Core For Technology

09/17/2020 - Three Key Liquidity Risk Management Reminders

09/16/2020 - Disasters Are Striking - Is Your Institution Ready?

09/15/2020 - Which Type Of Financial Institutions Will Cut Jobs?

09/14/2020 - Make Your App Stand Out In The Crowd

09/11/2020 - Two Ways To Cut Costs for Greater Profitability

09/10/2020 - Adapting Performance Reviews For Working Remotely

09/09/2020 - Three Ways RegTech Could Help Your Institution

09/08/2020 - M&A In 2020 - Sweet Or Sour?

09/04/2020 - Inquiry & Insight: Security Plans, Gen Z, Profitability

09/03/2020 - Helping Millennials Through The Crisis

09/02/2020 - OCC Proposes A Special Payments Charter

09/01/2020 - Using AI To Reduce Bias

August 2020

08/31/2020 - How Your Employees Can Solve Customer Problems

08/28/2020 - Digging Deeper With Your Borrowers

08/27/2020 - Is It Time To Update Your Digital Account Onboarding?

08/26/2020 - Strategies To Mitigate Credit Crunch

08/25/2020 - Ransomware Resurgence

08/24/2020 - Google & Financial Institutions - Possible New Partnerships

08/21/2020 - Strategies For Institutions To Stay Independent

08/20/2020 - What 5G Could Mean For Banking

08/19/2020 - FDIC Guidance Broadens Employment Pool

08/18/2020 - Three Branch Security Tips During COVID-19

08/17/2020 - Stress Testing And Liquidity

08/14/2020 - Creative Ways To De-Stress Your Staff And Customers

08/13/2020 - What To Do With Your PPP Loans

08/12/2020 - The Pandemic, Cashless Payments & The Unbanked

08/11/2020 - Customer Review Sites Share Your Safety Efforts

08/10/2020 - Main Street Lending Program Could Help

08/07/2020 - Keep Moving With LIBOR's Transition

08/06/2020 - Insights For Your Strategic Planning

08/05/2020 - Should You Be Doing Banking-As-A-Service?

08/04/2020 - Ways To Manage The Coin Shortage

08/03/2020 - Inquiry & Insight: Compliance, AI, Strategic Initiatives

July 2020

07/31/2020 - Should You Consider Gig Workers As Customers?

07/30/2020 - The Unique Financial Needs Of Women

07/29/2020 - New Technology Update: KYC Video Authentication

07/28/2020 - Merging In The Face Of A Crisis

07/27/2020 - How To Mitigate Currency Risk For Your Customers

07/24/2020 - The Personal Touch In Digital Banking

07/23/2020 - Five Ways To Boost Employee Morale

07/22/2020 - Steering Clear Of Unemployment Fraud

07/21/2020 - FinCEN Guidance On Pandemic Fraud Scams

07/20/2020 - Is Divestment An Option?

07/17/2020 - Developing Your Banking App - The Time May Be Right

07/16/2020 - The Latest Regulatory Stress Test Findings

07/15/2020 - Key Technologies Used To Communicate With Customers

07/14/2020 - Frustrated PPP Applicants Could Become New Customers

07/13/2020 - PPP Fraud - How To Protect Your Institution

07/10/2020 - Is It Time For A Fintech Partnership?

07/09/2020 - Three Ripe Ways To Refine Your Lending Process

07/08/2020 - What Is Needed During The Second Wave Of COVID-19

07/07/2020 - Risks Associated With Contact Tracing

07/06/2020 - Inquiry & Insight: Back To Work With The Coronavirus

07/03/2020 - The Right Time 4 Financial Literacy 4 Kids

07/02/2020 - What Have Your Peers Been Doing In This Crisis?

07/01/2020 - Potential Blind Spots in Risk Management?

June 2020

06/30/2020 - Assessing Capital Using Economic Data

06/29/2020 - Net Interest Margins And Interest Rate Swaps

06/26/2020 - Leadership Communication During The Transition

06/25/2020 - Pay Considerations With Remote Workers

06/24/2020 - Helping Customers Through the PPP Forgiveness Process

06/23/2020 - Community Financial Institutions And Social Change

06/22/2020 - How Subchapter V Bankruptcy Could Help Your Customers

06/19/2020 - Getting Ready To Resume Full Services Post COVID-19

06/18/2020 - Optimizing Your Website For Voice Searches

06/17/2020 - Getting The Most Out Of The Last Days Of PPP

06/16/2020 - Keeping Seniors Engaged With Digital Banking

06/15/2020 - Will We Transition To SOFR In 2021?

06/12/2020 - Bank M&A Climate: Is There An Urge To Merge?

06/11/2020 - Inquiry & Insight: Lenders Staying Financially Fit

06/10/2020 - Bridging The Technical Skills Gap

06/09/2020 - Reap More Fee Income With Wealth Management

06/08/2020 - After the PPP - Now What?

06/05/2020 - Will Negative Interest Rates Happen In The US?

06/04/2020 - Virtual College Recruiting During The Pandemic

06/03/2020 - A Taste Of Today's Commercial Real Estate Market

06/02/2020 - Long-Term Benefits Even After PPP

06/01/2020 - Cloud Services - Strategy And Risk

May 2020

05/29/2020 - New Technologies Facilitating Businesses Reopening

05/28/2020 - Changing Lending Practices

05/27/2020 - Regulatory Changes For International Remittance Transfers

05/26/2020 - Mobile Credit Card Apps Becoming More Important

05/22/2020 - Safely Reopening Your Branches

05/21/2020 - Top Six Stress Testing Tips During COVID-19

05/20/2020 - COVID-19 Risk Analysis

05/19/2020 - The Main Street Lending Program - A Summary

05/18/2020 - Remote Meeting Management

05/15/2020 - How COVID-19 Affects Men And Women Differently

05/14/2020 - Serving Your CRE Business Customers Going Forward

05/13/2020 - New Cyber Risks With COVID-19

05/12/2020 - Interest Rate Swaps and Loan Modifications with COVID-19

05/11/2020 - The State of Small Business

05/08/2020 - Consumer Behavior Changes During COVID-19

05/07/2020 - Remote Work - For Recruiting & Retention

05/06/2020 - COVID-19 Loan Modifications - Risk Rating

05/05/2020 - Social Distancing And Healthy Employees

05/04/2020 - Inquiry & Insight - More Coronavirus Questions

05/01/2020 - Post-COVID-19 Office Design And Practices

April 2020

04/30/2020 - Banking Redefined Post-COVID-19 - Institutions (Part 2 of 2)

04/29/2020 - Banking Redefined Post-COVID-19 - Customers (Part 1 of 2)

04/28/2020 - Morale-Building During COVID-19

04/27/2020 - Community Banks Continue Making A Difference

04/24/2020 - Social Media Tips During COVID-19

04/23/2020 - COVID-19 And Your CRE Portfolio

04/22/2020 - Job Loss And Economic Recovery

04/21/2020 - Is Your Data Security Plan Ready For COVID-19?

04/20/2020 - Community Banks Keep Making A Difference

04/17/2020 - Transitioning Your Communications

04/16/2020 - Three Steps To Assess Customer Profitability Post-COVID-19

04/15/2020 - Stepping Up Technology During The Coronavirus

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