Tagged: Novantas Review Vol. 3 No. 1

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

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.

Treasury management remains an important line of business for commercial banks, but players need to adapt to a changing market, particularly in liquidity management.

Retail banking customers increasingly are skipping branch lobbies in favor of remote alternatives such as online banking. Are they receiving adequate management attention?

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?

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.

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.”