蘑菇AV

Relaxed regulations are enabling mega deals among big banks and strategic survival mergers for smaller FIs. Meanwhile, digital players are acquiring banks to get charters faster, which will give them some of the same advantages as traditional players. FMNs are becoming an accessible revenue stream for midsize banks.

Bank unveils rewards-centric card focused on consumer choice. Banks will embrace crypto payments under Trump, per Bank of America CEO. Trump introduces family鈥檚 crypto project, solidifying pro-crypto stance.

We examine how the president-elect鈥檚 proposed agenda impacts regulators, investments, and 产补苍办蝉鈥� customers.

Banks and fintechs emerge as the prime beneficiaries of the legislation, with stablecoin issuance blocked for public nonfinancial companies without unanimous support from regulators. As long as they move quickly, banks could maintain dominance over their existing payment rails through a Zelle-like collaboration for an institutional stablecoin.

What it means for banks: Financial institutions (FIs) must adapt their strategies to align with Gen Z's priorities and behaviors, because their competitors clearly have. This will require them to:. Rethink the user experience: Banks must move beyond static websites and create seamless, mobile-first experiences.

Fintech leaders expect that relaxed regulations under Trump will benefit them鈥攚hich means more competition for banks.

What banks should do next: Financial institutions (FIs) can step in to help young homeowners navigate their mortgages while they await rate changes. FIs can start by:. Offering automated refinance alerts. Digital tools can monitor a customer's mortgage rate and automatically alert them when a refinancing opportunity arises, providing a clear path to take action.

Fintechs, banks, and the government will reshuffle the payments deck in 2024. New features and competition will redefine the digital wallet user experience, and FedNow will pivot payment flows in new directions.

Gen Zers鈥� habits diverge from other generations鈥� in the early stages of the customer journey. Our inaugural survey of banking consumers in Canada spotlights the differences to help banks drive conversions.

As social media grows more polarized, banks must find where their audience spends time and tailor their marketing to those platforms.

By meeting users where they are鈥攚hether in a search snippet, a knowledge panel, or an embedded tool banks can increase visibility, trust, and engagement at every digital touchpoint.

Young consumers鈥� creativity and drive are starting to pay off, and banks should act so they can leverage their growth in savings.

Bank, Bank of America, Capital One, Chase, PNC Bank, Truist, and Wells Fargo helped to further reduce consumer barriers to the platform, as banks automatically enrolled users to the platform. What this means: Paze鈥檚 partnership with Worldpay serves to rapidly expand Paze鈥檚 reach to a large swathe of merchants鈥攁 tie-in that can finally put Paze on the online checkout solution map.

Our seventh annual study reveals which of the 15 biggest US banks lead in mobile app innovation鈥攁 significant factor in attracting mobile-forward Gen Z鈥攂ased on an exclusive survey of which features 1,895 mobile banking users value most.

The rollout keeps U.S. Bank competitive with other issuers, like Chase, and can help encourage greater travel spend on its cards

This deck can help you: develop product strategy (banks).