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In building their mobile innovation road maps, banks should prioritize addressing the three most-cited pain points among respondents:. Providing a transparent timeline. The ability to save an application and return later. Having options to reach a live person for help. Click here to view our full forecast for US traditional digital bank account openings.

On today's episode, we dive deeper into the banking debacle created by Silicon Valley Bank鈥檚 meltdown in order to see what the path forward will look like. In our 鈥淗eadlines鈥� segment, we discuss the challenges startups that banked at SVB are currently facing and how some existing banks are treading lightly with SVB鈥檚 former customers鈥攚hile others are embracing them. In 鈥淪tory by Numbers,鈥� we turn the spotlight toward consumer trust in banks. And in 鈥淔or Argument鈥檚 Sake,鈥� we debate whether fintechs will need to operate in an environment with more regulatory scrutiny. Tune in to the conversation between host Rob Rubin and our analysts Tiffani Montez and Jenna McNamee. Listen and subscribe today.

On the podcast we discuss what to expect as banks deploy more AI in 2024. We chat about several use cases for AI, like customer service and chatbots, personalized banking services, fraud detection and prevention, credit scoring and risk assessment, as well as personalized marketing. In 鈥淧lace Your Bets,鈥� we distribute 10 points to four predictions in order to rank the relative likeliness that each one will come true. We rank the following to see which is most likely to happen in 2024: news stories about overzealous chatbots stops banks from rolling them out, regulators squash attempts to use AI for investment advice, the deployment of AI enables banks to initiate massive layoffs, and small banks and credit unions are able to win more customers because of their deployment of AI for customer service. Listen to the conversation with host Rob Rubin and our analysts Jacob Bourne and Gadjo Sevilla.

On today's episode, we talk about the top three banking trends for the second half of the year that are identified in Insider Intelligence's latest report, Banking Trends to Watch for H2 2023. We discuss in detail banks' renewed focus on customer acquisition, how mergers and acquisitions have returned to the space, and in what ways banks have begun rolling out generative AI tools. Join the discussion with host Rob Rubin and our analysts Eleni Digalaki and David Morris.

Though smaller than previous hikes, this one will still weigh on consumers, small banks, and even large, well-capitalized banks that are trying to help.

On today's episode, we break down everything there is to know about banking and the Gen Z demographic. In our 鈥淗eadlines鈥� segment, we discuss the article our analyst Tyler Brown published a few weeks ago about Greenlight, a neobank for kids, teens, and families. In 鈥淪tory by Numbers,鈥� the conversation revolves around why Gen Z is different from other generations and how banks need to cater to their mobile preferences. And in 鈥淔or Argument鈥檚 Sake,鈥� host Rob Rubin takes the position that in 10 years, there will be fewer than 500 consumer banks. Tune in to the conversation between Rubin and analysts Tyler Brown and Tiffani Montez.

Traditional financial institutions are losing new business to digital competitors. But banks can still compete.

Between bank collapses and a prolonged crypto winter, 2023 has not been kind to the banking industry. But that doesn鈥檛 mean things can鈥檛 turn around. Here are five charts on what鈥檚 good (consumer trust remains steady), what鈥檚 bad (crypto鈥檚 downfall continues), and some areas of opportunity (the rise of ChatGPT).

A joint report educates banks on proper risk management strategies, but they鈥檙e not a great fit for small FIs.

Visa, Mastercard, and several paytechs said their businesses were mostly uninterrupted despite ties with the now-collapsed bank.

Regional bank stocks are tanking even though their fundamentals are sound. Short selling might be a reason.

The Fed鈥檚 supervision chief laid out his vision for stricter capital requirements and stress tests. Here鈥檚 what it means for banks already on edge.

On today's episode, we discuss what happened to Silicon Valley Bank, its knock-on effect on the media and retail worlds, and how this is affecting advertisers. Tune in to the discussion with our director of Briefings Jeremy Goldman and analyst Jenna McNamee.

On this special bonus episode of "The Banking & Payments Show," we take a step back from the Silicon Valley Bank debacle to explore what鈥檚 on the horizon for the banking industry. In our "Trouble and Opportunity" segment, we examine the lasting effects from the banking failure (e.g., more regulation) and consider the trends that may arise from this crisis (e.g., more neobanks). Tune in to the conversation between host Rob Rubin and our analyst Tiffani Montez to hear what the path forward will be after the meltdown.

Following 鈥渧oluminous鈥� feedback from banks, regulators will reconsider their controversial proposal.

By many metrics, the crypto industry is doing just fine. That鈥檚 partly because it doesn鈥檛 want to work with banks to begin with.

On today鈥檚 podcast, we are talking about digital account-opening trends, who鈥檚 opening bank accounts digitally, and what they want or expect when going through that process. Here鈥檚 a look at what we鈥檙e talking about this week: 鈥� In our 鈥淗eadlines鈥� segment, we discuss how in-flight deposits and Gen Z will drive account openings in 2023 and to what extent new account openings are the result of high deposit rates and an incentive-laden environment. 鈥� In 鈥淪tory by Numbers,鈥� we examine how being able to set up direct deposit when consumers open checking accounts is extremely important and the importance of deposits being protected. 鈥� In 鈥淔or Argument鈥檚 Sake,鈥� we suppose there鈥檚 a new US banking regulation requiring all banking products to be applied for and opened online. We debate (nicely) how the industry dynamics would change if everything in banking were digitized and moved online. Tune in to the conversation with host Rob Rubin, managing principal of financial services consulting at EPAM Systems Alex Jimenez, and our analyst Tiffani Montez.

S banking regulators have introduced several climate-related frameworks, signaling a shifting perspective on banks' role in addressing the climate crisis.

Britain is looking forward to its first coronation celebration in 70 years鈥攚ith street parties, socializing, and an extra bank holiday set to give a welcome lift to retail sales.

Fed chair declares banking system is 鈥榮ound and resilient鈥�: And the Treasury Secretary says large withdrawals from regional banks have stabilized. But will investors believe them?

Retail media networks are facing a little more competition these days as banks, payments providers, airlines, and hotels are starting their own media networks to monetize their first-party data and build out new revenue streams.

They want banking regulators to look into how banks that offer Zelle protect consumers as fraud concerns grow.

Banks are focused on B2B opportunities and generative AI to drive revenue as they usher crypto out the door.

On today鈥檚 podcast episode, we explore the problematic relationship between credit unions and Gen Z. 鈥� In our 鈥淗eadlines鈥� segment, we discuss an article from PYMNTS.com that revealed only 4% of Gen Z consumers bank with credit unions. 鈥� In 鈥淪tory by Numbers,鈥� we consider what credit unions can do to capture Gen Zers鈥� attention while working with tight marketing budgets, and which programs have helped Gen Z consumers manage their finances. 鈥� In 鈥淎ctual CEO,鈥� we discuss with our guest CEO what she is currently doing to engage with Gen Zers at her credit union. Listen to the podcast with host Rob Rubin and Tansley Stearns, CEO of Community Financial Credit Union.鈥� In our 鈥淗eadlines鈥� segment, we dig deep on a recently published Insider Intelligence report covering our forecasts for ad spending by US banks and credit unions. 鈥� In 鈥淪tory by Numbers,鈥� we discuss how fewer mortgages are affecting banks' net interest income and what that means for their marketing budgets. We also examine Ally Bank鈥檚 increased ad spending. 鈥� In 鈥淔or Argument鈥檚 Sake,鈥� we talk about how large banks are doubling down on digital ad spending while smaller institutions are cutting their spending, which could lead to the eventual demise of smaller traditional banks. Tune in to the discussion with host Rob Rubin and our director of forecasting Oscar Orozco.

What this means for banks: Gen Alpha not only engages with brands through immersive, gamified experiences but also holds growing influence over household purchasing decisions鈥攊ncluding those of their millennial parents.