Banking Strategies to Power Smart Decisions

View BAI Banking Strategies content, BAI research and other BAI thought leadership.

Report

New opportunities for branch and ATM integration

Jul 31, 2025

Learn about the always evolving yet still vital role that branches and increasingly interactive ATMs play in modern banking. BAI gathers a panel of industry practitioners who explore these topics in our BAI Special Report. Download this BAI Special Report to...
Consumer Banking

Webinar

Using Scenario-Based Learning to strengthen BSA/AML compliance training

Upcoming: Aug 21, 2025

The session will demonstrate how integrating realistic scenarios empowers frontline teams to proactively recognize and respond to suspicious activity, covering common and emerging money laundering and fraud schemes, including elder financial abuse. In this webinar, Emily Stone, Learning Strategy Consultant at...
Compliance, Regulation & Risk

Whitepaper

Quick Q&A on Rethinking the contact center — efficiency without compromise

Jul 17, 2025

In our latest Quick Q&A, Rethinking the contact center — efficiency without compromise, Russell says customers still too often and too quickly default to “O” for live assistance under the assumption only frustration and untargeted assistance awaits them on an...
Customer Experience / Technology
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Article

How open finance could redefine global banking in 2025 and beyond

Aug 4, 2025

By Chad Davis
Open finance is arguably reshaping global financial services as we know it—expanding rapidly beyond traditional regulatory mandates into a powerful market-driven paradigm. Financial institutions are already increasingly leveraging open ecosystems, APIs, and artificial intelligence (AI) technologies to seamlessly embed financial capabilities...
Payments / Technology

Article

Banks can stop synthetic identity abuses by moving as fast as fraudsters

Aug 1, 2025

By Jimmy Roussel
By the time you finish reading this paragraph, a new synthetic identity may have just been created and approved by a financial institution somewhere in the world. Powered by generative AI, identity fraud is no longer a slow-moving threat. It’s...
Fraud Prevention

Article

Agentic AI is poised to transform banking’s core functions

Jul 31, 2025

By Arvind Rao
The broader financial services space, including banking, is experiencing a significant shift due to rapid advancements in AI. A particularly impactful innovation is agentic AI, which offers a new level of autonomy compared to traditional automation. In contrast to conventional systems,...
Technology

Article

High-speed rails: Keeping pace with the payments evolution

Jul 30, 2025

By Rachel Koning Beals
I set out to write the introduction to the July BAI Executive Report: Keeping pace with the payments evolution, knowing that the payments space across financial services, retail and elsewhere is evolving with enough speed there’s a real chance...
Payments

Article

It’s time for banks to treat SMB fraud as a priority, not an afterthought

Jul 29, 2025

By Jeff Scott
Small and mid-sized businesses (SMBs), the backbone of the U.S. economy, are increasingly susceptible to fraud. As this issue gains more national attention, owed in part to legislative and regulatory attention on scams, loan-abuse vulnerability, and other issues, banks have...
Business Banking / Fraud Prevention
business man handshake with technology

Article

We’re heading into 2025’s final months, so is this still the year of banking M&A?

Jul 28, 2025

By Amy Pierce
Is 2025 on track to be the biggest year for M&A activity? That’s a big topic of debate right now. The rapid changes to U.S. policies created M&A hesitation earlier this year. However, activity has been consistently rising for the last...
Business Banking / Consumer Banking

Article

Digital asset custody: A strategic consideration for banks in the shifting crypto regulatory era

Jul 25, 2025

By John Geertsema
In a financial services landscape increasingly shaped by technological convergence and generational shifts in investor and broader financial behavior, the conversation around digital assets, including cryptocurrency, has evolved. No longer relegated to speculative trading or niche financial circles, digital assets have...
Payments / Technology

Article

Why smart financial institutions treat compliance as a competitive advantage

Jul 24, 2025

By Vail Herard
Regulation can be perceived as a burden, especially in industries that require managing evolving anti-money laundering (AML) and Know Your Customer (KYC) rules. But what if we’ve been thinking about it all wrong? While regulation is often seen as a constraint,...
Technology

Article

Cultivating micro-engagements can be key to banking CX

Jul 23, 2025

By Sarah Martin
Here’s the next installment in our periodic Q&A series highlighting women leaders in the fintech and banking space. We feature the innovation, fortitude and experience it takes to thrive in this fast-changing industry. And our interviews explore business opportunities on...
Customer Experience

Article

The hidden impact of demand deposit account statements on customer satisfaction

Jul 22, 2025

By Billy Hicks
Demand Deposit Account (DDA) statements may seem like a routine part of banking operations, but their impact on customer satisfaction and trust is far greater than many financial institutions realize. A well-designed statement can enhance transparency, improve customer experience and even...
Customer Experience

Article

Beth McCoy on taking banking loyalty programs from afterthought to strategic advantage

Jul 18, 2025

By Beth McCoy
Here’s the next installment in our periodic Q&A series highlighting women leaders in the fintech and banking space. We feature the innovation, fortitude and experience it takes to thrive in this fast-changing industry. And our interviews explore business opportunities on...
Customer Experience

Article

Parlay Finance’s Alex McLeod on smartly expanding capital access for small businesses

Jul 17, 2025

By Alex McLeod
Here’s the next installment in our periodic Q&A series highlighting women leaders in the fintech and banking space. We feature the innovation, fortitude and experience it takes to thrive in this fast-changing industry. And our interviews explore business opportunities on...
Business Banking

Job Aid

Ways Organizations Can Protect Themselves During Deregulation

Jul 17, 2025

To learn more on how to protect your financial services organization during deregulation, download BAI’s “Ways Organizations can Protect Themselves During Deregulation” article today!...
Compliance, Regulation & Risk

Job Aid

5 Crucial BSA Risks to be Aware of

Jul 17, 2025

In this article, BAI lists the top risks to BSA with information on how it can affect businesses and their customers and what activities should be flagged as potential criminal activity. To learn more on how to address BSA...
Compliance, Regulation & Risk

Article

How smaller financial institutions can win over the next generation of wealth holders

Jul 16, 2025

By Nageswar Cherukupalli
Starting now and spanning the next few decades, we will witness the largest intergenerational transfer of wealth in history, termed “The Great Wealth Transfer.” This shift is poised to transform the global financial sector, including how wealth is managed, invested...
Customer Experience

Article

Fraud risk isn’t purely a financial issue for banks

Jul 15, 2025

By Shanthi Shanmugam
Fraud has long been a challenge in the financial sector, but today’s environment presents unprecedented risks. Record-high transaction volumes and a surge in first-party fraud are putting immense pressure on banks to do more with fewer resources, especially when it...
Fraud Prevention

Article

AI-powered credit scoring: A growth strategy for regional banks

Jul 14, 2025

By Ajay Bhandari
When one Arizona credit union sought to personalize their loan experience and grow membership, it began by exploring artificial intelligence (AI). The goal: improve the accuracy of credit decisioning to automate the credit worthiness of 70%-80% of their consumer applicants. Through...
Consumer Banking / Technology

Report

Quality deposit growth and customer retention

Jul 14, 2025

BAI spoke with thought leaders within the financial services industry to explore the latest on the deposit landscape. Learn more about how these industry leaders are bolstering healthier deposit growth and retention in this BAI Special Report....
Business Banking / Consumer Banking

Article

From days to seconds: Why ALCO derivatives analysis at banks can’t wait

Jul 11, 2025

By Isaac Wheeler
Asset-liability committees (ALCOs) operate at the center of a bank's most critical decisions: funding strategy, interest rate risk and capital management. Yet when derivatives analysis and hedging decisions are trapped in multi-day workflows, ALCOs face a fundamental mismatch. Markets move...
Risk

Article

Evolving fraud threats demand a layered contact center defense

Jul 10, 2025

By Rahul Kumar
Fraud attacks on call centers are on the rise, with growth particularly significant in the financial services industry. For example, nearly two-thirds of financial‑industry respondents said that most account takeovers originate in call centers, according to a report from TransUnion. Criminals...
Fraud Prevention

Report

Keeping pace with the payments evolution

Jul 10, 2025

In our July BAI Executive Report: Keeping pace with the payments evolution, we hear from banking thought leaders who examine the consumer habits urging ever faster adoption of the new ways we all transact daily....
Payments