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Industry Insights

Navigate today. Anticipate tomorrow.


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Articles

Digital Investment: Success Driver or Bottomless Pit?

For sound planning decisions, the financial contributions of digital banking need to be evaluated within the context of all the bank’s channels and capabilities.

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Articles

Checking Overdraft and the Voice of the Consumer

Not only would many of the proposed new regulations on overdraft run counter to consumer choices, but they also would likely reduce the availability of service options.

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Articles

Capturing Share of SME Revenue Potential: What’s in Your Model?

In the race for growth in small business banking, many regional banks are operating with broken compasses. Improved analytic tools are needed for prospecting and cross-sell.

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Articles

HELOC Fixed Rate Options: Overlooked Exposure?

Many HELOC lenders have given borrowers too much of an escape hatch from rising rates, in the form of loosely-designed fixed rate options. It is time to review pricing.

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Articles

Building the Sales-Justified Branch Network

With tons of former branch transaction activity shifting to alternative channels, the decision framework for branch consolidation shifts more solidly to sales.

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Research Reports

Understanding Consumer Choice: A Review of Consumer Overdraft Behaviors

By supporting informed consumer choice as the basis of competition, banks will serve their consumers better and ensure a healthier and more competitive financial services industry.

Articles

Reaching the Next Level in Precision Deposit Pricing

Deposit pricing analytics offer substantial opportunity in banking, but each management team faces the challenge of establishing a clear developmental path.

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Articles

Leveraging Regional Networks for SME Sales Growth

The typical SME branch sales function dissipates resources and squanders opportunities for customer acquisition and cross-sell — a clear call to action on local sales strategy.

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Perspectives

Inflection Point in Commercial Banking?

As headwinds rise, breakout performance increasingly will hinge on key management initiatives needed to protect margins, control costs and improve productivity.

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Articles

Triage for Dormant HELOC Accounts

A recent Novantas national survey indicates that roughly one of every five HELOC accounts may be sitting idle. What are the options?

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