Results include
Nov 6, 2023
More and more CFIs are partnering with fintechs to automate and improve their ag lending practices. We share details of how such partnerships are enhancing banking relationships with farmers and ranchers.
Jul 6, 2023
Should your CFI consider acquiring a struggling fintech? As many promising fintechs run up against financial woes and find their stocks underperforming, a number of institutions are looking at the M&A opportunities this situation presents. Here’s what you should know about the risks and benefits of acquiring fintechs and how to determine the prospects of individual fintechs.
Apr 13, 2023
For CFIs to successfully compete with digital-only competitors, they first need to understand what draws people to such non-traditional banking in the first place. We dive into who is switching to neobanks and fintechs, as well as what services you can provide to retain these customers.
Jan 25, 2023
CFIs that want to issue credit cards have a new alternative to the agent bank model and the cost of investing in their own credit card-issuing system. They can leverage CCaaS fintechs. CFIs get more income and control — customers get broader product offerings and a more digital experience. We explore this option more.
Oct 26, 2022
Fintechs — once viewed as an existential threat to community financial institutions — are now increasingly seen as offering institutions an opportunity to innovate and thrive. However, fintech partnerships carry risks and the regulators are watching closely. We summarize six key areas from the latest due diligence guidance to ensure a successful and responsible partnership.
Dec 20, 2023
As more and more people turn to neobanks and fintechs, remaining competitive might require taking a page from their playbooks to provide customers with a more comprehensive and personalized experience. We discuss the growth of neobanks and which of their popular capabilities you can adopt to attract the same customers.
Aug 9, 2023
More and more CFIs are using alternative cash flow data to determine the creditworthiness of prospective small business borrowers. They are partnering with fintechs and other nonbank providers to access and analyze prospects’ electronic cash flow information. A nonprofit research organization analyzed these practices and we provide a summary of the results.
May 23, 2023
Thousands of tech workers have been laid off, creating a much bigger pool of available talent. Trouble at neobanks and fintechs can present acquisition or partnership opportunities, as well as laid-off tech workers. CFIs can leverage these trends by scouting newly available workers and exploring acquisitions to alleviate staffing challenges and broaden their customer base.
Feb 15, 2023
Americans are using cash less frequently and making payments more often by credit card or through payment apps. Yet, many CFI customers still like having cash as an option. To compete with fintechs in a future where less cash changes hands, CFIs will need to provide both advanced digital capabilities and a willingness to handle cash banking as well.
Nov 7, 2022
BNPL has become increasingly popular and is expected to grow in the years to come. The market, currently dominated by fintechs, is ripe for regulation, opening the door for traditional financial institutions. CFIs may want to react quickly to this latest disruptor. We discuss the key considerations for CFIs entering this space.
Sep 22, 2022
Digitization is a critical component in CFIs’ efforts to remain competitive with fintechs and their largest peers, but the personalization of smaller banks is their most valuable asset. We explore how to reconcile these seemingly competing forces to achieve a digital experience that works for your customers and your CFI.
Aug 31, 2022
The banking sector recently saw a strong resurgence in M&A deals, although activity is now slowing down. We look at the key drivers and trends shaping banking M&A in 2022, along with industry-specific factors including the acquisition of digital capabilities, the downward trend in net interest margins, and the ongoing blurring of the lines between fintechs and banks.
Aug 18, 2022
The next great boom in refinancing will likely be in CDs and other deposits, which are vulnerable to customers who decide to pay penalties and reinvest at higher interest rates. A rising-rate environment is also a potentially fruitful hunting ground for fintechs and neobanks, which already offer higher rates than traditional institutions. We discuss three strategies to help CFIs hold their best customers and stress test for CD and deposit losses.
Jun 28, 2022
Partnerships between CFIs and fintechs are an increasingly important part of any CFI’s business model. However popular, it’s not a given that fintech-directed private equity is a good fit for every CFI. We provide you with some things to consider before you decide to invest.
Jan 4, 2024
Over the past three years, nearly half of all banks formed a partnership with a fintech, and 91% of banks have said that fintech partnerships are important in driving business strategy. What factors should CFIs consider to help those partnerships run smoothly and productively?
Dec 6, 2023
In this second part of our review of 2023, we look at the challenges brought about by the evolving fintech landscape, the ever-increasing cybersecurity threats, and mounting regulatory complexity. We explore how CFIs have responded to these situations.
Sep 12, 2023
CFIs and other banking operations could profit immensely from creating embedded finance partnerships, where CFIs offer their digital banking services to be integrated into experiences for a third party’s customers. We review the growth potential for embedded finance partnerships and how to get started.
Jul 19, 2023
Coastal Community Bank, a leading BaaS provider that works with Greenwood, Bluevine and Walmart's ONE, has introduced its own take on an interactive 3D financial world where consumers can play and sample fintech and neobank offerings.
Jul 12, 2023
As banking as a service (BaaS) grows in popularity, so does the need for regulatory requirements. We discuss the upcoming trends and concerns with BaaS and how CFIs might prepare for instituting BaaS.
Mar 19, 2024
CFIs don’t need to spend massive amounts of money on technology to remain competitive against the banking industry’s largest players — they just need to be strategic and intentional when it comes to where they spend on technology and the steps they are taking to prepare for the future.