BID® Daily Newsletter Archives

February 2026

As businesses and regulators alike are reviewing and questioning the way that executive compensation is determined, is it time for CFIs to follow suit?
Instant payments are accelerating, with RTP® and the FedNow® Service gaining traction. Learn why demand is surging, how adoption is shifting, and what it means for CFIs looking to stay competitive.
After years of rapid growth, many neobanks are facing the same pressures traditional institutions have long managed: profitability, risk, and retention. Here’s what CFIs can learn from what’s working — and what’s not — in the digital banking space.
Cyber attacks cause expensive damage. While cyber insurance can help mitigate the cost, it’s not as foolproof as you hope. We discuss risks and preparedness in finalizing your cyber insurance policy.

January 2026

01/29/2026 - PCBB’s President Predicts Top Banking Trends for 2026
We sat down with PCBB President Mike Dohren to talk about what 2026 might have in store for CFIs, from M&A trends to regulatory expectations and the biggest threats CFIs could face this year.
01/28/2026 - How the OCC’s Tailored Approach to BSA/AML Exams Works
The OCC has issued streamlined BSA/AML examination guidelines for CFIs that are at lower risk for money laundering and terrorist financing activities. We detail what the changes are for CFIs that qualify.
01/27/2026 - The Case for Offering Reciprocal Deposits Over Collateralization
Reciprocal deposits route portions of big accounts to multiple banks so each remains within FDIC limits. We cover how your institution can apply this structure to help improve liquidity metrics and depositor satisfaction.
01/26/2026 - Niche Lending Opportunities in the Healthcare Sector
An aging population and rising demand for healthcare make this one of the fastest-growing industries and a strong fit for CFIs. We discuss opportunities and examples.
01/22/2026 - Personalization Goes Into High Gear with Anticipatory Banking
Anticipatory banking brings the same predictive intelligence behind Netflix and Spotify into business banking, using SMB data to anticipate needs, guide key financial decisions, and help CFIs deepen primary relationships.
01/21/2026 - Banking on the Multigenerational Household
Multigenerational households are growing and have unique and often urgent financial needs; providing targeted services and advice can help differentiate banks.
01/20/2026 - The Most Promising Use Cases for Agentic AI in Banking
The financial services industry is now using agentic AI for some functions, and the list of potential use cases is growing. We discuss the most promising use cases and how CFIs might implement these agents.
01/15/2026 - What Makes a CFI Attractive to Employees?
CFIs are navigating rising costs and fierce competition to source talent. Based on American Banker’s 2025 “Best Banks to Work For,” we share 5 ways CFIs attract, retain, and empower top talent.
01/14/2026 - Central Banks Cite Geopolitical Conflicts as a Top Risk
CFIs may be more susceptible to geopolitical events than it appears. We discuss some of the hidden risks and how to plan and prepare for them, if they do impact your institution.
01/13/2026 - 4 Niche Loan Markets That Could Boost Your Portfolio
Community financial institutions can distinguish themselves by carving out niches — offering specialty loans to targeted audiences. We detail unique lending opportunities that CFIs have found successful.
01/12/2026 - Advisory Boards: a CFI’s Second Set of Eyes
Some CFIs have created advisory boards of community members who can help their CFI keep a pulse on the needs of local businesses. We delve further into the concept.
01/08/2026 - The FedNow Service Expands Use Cases to Disaster Relief
The Federal Reserve announced a new use case this fall for the FedNow Service® — instant federal disaster relief. We discuss how CFIs and their customers could benefit from receiving such payments.
01/07/2026 - What Does Ag Lending Hold in 2026?
Agricultural lending in 2026 will need to be more flexible, as producers face numerous headwinds. Deepening relationships with ag customers will be even more necessary. We delve into more specifics.
01/06/2026 - IT and Leadership Teams Should Be at the Same Table
As tech and strategy become synonymous in banking, it’s more important than ever for stakeholders on both sides of the coin to be in step with each other. We provide tips.
01/05/2026 - Should CFIs Hop on the Bank On Bandwagon?
As Bank On-certified accounts gain traction, we look at the trends and key considerations for CFIs that might want to offer these products to underserved communities.
01/02/2026 - Faster Federal Payments Mean Rising Demand for Real-Time Banking
Per tradition, we're looking back on our top articles of the year to BID goodbye to 2025. As federal payments shift to faster digital methods, CFIs can support SMB clients by modernizing payment tools, encouraging digital adoption, and delivering real-time capabilities that meet evolving business expectations.

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