Payments can once again be a foundation of profitable revenue growth, but only for institutions that can innovate to serve customers’ larger needs.

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Payments can once again be a foundation of profitable revenue growth, but only for institutions that can innovate to serve customers’ larger needs.
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Major regional banks have both the motive and the opportunity to reclaim territory in the estimated $1.5 trillion market for unsecured credit.
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As early fee revenue tactics reach their limits, banks must start now in developing customer-friendly innovations that will bear fruit over the next few years.
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To revitalize branch sales and solve over-staffing issues, banks will need improvements in metrics; goals and incentives; capacity management; and proactive selling.
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Treasury management remains an important line of business for commercial banks, but players need to adapt to a changing market, particularly in liquidity management.
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A concerted effort will be needed to strengthen the sales function in commercial banking, which is still overly reliant on the individual efforts of relationship managers.
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Retail banking customers increasingly are skipping branch lobbies in favor of remote alternatives such as online banking. Are they receiving adequate management attention?
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At a time of massive overcapacity in the U.S. branch system, merger-based consolidation is once again being touted as an industry solution in pressing times. But are potential acquirers looking at a major opportunity or stepping into a major trap?
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As the revenue drought drags on in retail banking, regional players are facing growing pressure for another major round of merger-based consolidation. Based on a recent Novantas analysis of the entire U.S. branch system, about 16,000 outlets, or about 18 percent of the total, will either need to be closed or reworked over the next three years.
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A top banking performance challenge is dealing with impaired branch capacity. A strong market context will be needed in exploring ways to avert closures “at total loss.”