Research & Insights

The Data Imperative: Yesterday’s News in Data premium
Despite all of the recent buzz, big data isn't new. As far back as the 1880s, the U.S. Census Bureau was collecting and analyzing data on citizens. Even then, the volume of data was overwhelming. In fact, the Bureau estimated that it would take at least ten years to process all the information. That was […]
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Kasasa
November 27, 2018
Innovate Or Die? premium
There is the classic banking rule of 3-6-3. Give 3% interest on your deposits, lend at 6%, and be on the golf course by 3. This tongue-in-cheek rule is funny in part because it isn’t too far from the truth. For decades financial institutions have ensured profitability by following the simple model of maintaining the […]
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Andrew Swinney
November 13, 2018
5 Topics Banks Should Discuss During 2019 Strategic Planning premium
We're single-digit weeks away from the start of 2019, which means banks and credit unions are discussing their goals and strategies for the new year. To help in your planning, we combed research and fintech editorial trends for the most important factors that will impact and shape our industry. Here are our top 5.   […]
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Andrew Swinney
November 5, 2018
Banking 2030: The 24/7 Institution premium
In this series, we’ll present a futuristic perspective on some aspect of the banking world. It’s not meant to recommend a course of action, but rather to consider the “what if” potential and discover some areas that might be ripe for disruption. What if the banking world was always on? As in, 24/7 full-service banking […]
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Kasasa
July 13, 2018
Who uses Kasasa? The Breakdown by Age. premium
The numbers are compelling and scary — community financial institutions are in serious danger of losing a quarter of their core deposits in the next 4-5 years. What’s the cause? Aging account holders who are coming to the end of their lives. It’s not a pleasant thought, but it’s a reality in which banks and […]
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May 29, 2018
Three Ways to Build Confidence in Your Financial Services premium
If you had a crystal ball to peer into the minds of consumers, what would you look for? If you work for a community financial institution, two might pop into your mind: How soon will they need a mortgage, retirement fund, or insurance? What product feature or benefit do they secretly wish for? Every year […]
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May 21, 2018
Can You Change A Consumer’s Financial Behaviors? premium
Growing up, I hated reading. I know, that isn't exactly uncommon when it comes to little boys. My mother, being the responsible parent she was, tried to break this habit. She would read to me at night, take me to the library to pick out any book that seemed interesting, remind me of the academic […]
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Andrew Swinney
May 7, 2018
What Generation Comes After Millennials? Meet Gen Z. premium
Generation Z (Gen Z) is your greatest opportunity, both as new account holders and talent for your workforce. While Millennials are a crucial market for community financial institutions, the subsequent generation (Z) is taking their first steps into adulthood, and they need financial partners. Loosely defined as anyone born between 1995 and 2015, “this group […]
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April 9, 2018
Branch Location, Location, Location premium
You aren’t alone if you’re confused about how to proceed with your bank or credit union’s branch location strategy. For the past 25 years, there have been two very different schools of thought: one arguing that branches are dead and encouraging institutions to embrace ideas like Pop-up branches and heavy investments in digital. The other […]
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Andrew Swinney
February 23, 2018
The Looming Generation Crisis premium
There is a crisis looming in the form of an evaporating funding pool. Deposits might not be a strategic goal today, but increased competition and changing preferences of future generations could mean that by the time you need them, it's too late. Look at the age distribution of accounts and a picture becomes obvious: the […]
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Kasasa