Rachel Koning Beals

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

Bank liquidity and funding flexibility vital in current deposit landscape

Jun 5, 2025

By Rachel Koning Beals
A version of this article first appeared in the April BAI Executive Report: Growing quality deposits and customer acquisition. In the report, you’ll find content tackling deposit behavior trends, tech-enabled deposit growth strategies, liquidity and funding flexibility, plus more. If forecasting...
Consumer Banking

Article

Optimizing technology across bank business lines

May 22, 2025

By Rachel Koning Beals
How do you tackle a huge question, and opportunity, like the one framing our topic in May’s BAI Executive Report: Which resources and priorities are key to optimizing technology at your banks and credit unions? In many ways, we could...
Technology

Article

Next-generation middleware anchors smart ATMs within your service lineup

May 15, 2025

By Rachel Koning Beals
A version of this article first appeared in the March BAI Executive Report on Branches: Adapting for the modern customer. Inside the issue, you’ll find coverage on middleware upgrades to connect ATMs and branches to evolving digital platforms, smarter branch...
Consumer Banking / Technology

Article

Cash recycling evolves to help cost-prudent FIs and their customers

May 1, 2025

By Rachel Koning Beals
A version of this article first appeared in the March BAI Executive Report on Branches: Adapting for the modern customer. Inside the issue, you’ll find coverage on middleware upgrades to connect ATMs and branches to evolving digital platforms, smarter...
Consumer Banking

Article

Attracting and keeping deposits with more than rates

Apr 23, 2025

By Rachel Koning Beals
The 2025 outlook for deposit growth and customer acquisition is upbeat, if cautiously so. That’s from BAI’s own research and throughout the discussions with banking leaders and industry partners contributing to the April BAI Executive Report: Growing quality deposits and...
Consumer Banking

Article

Corporate finance leaders can’t shake concern about bank failure risk, survey shows

Apr 14, 2025

By Rachel Koning Beals
The corporate finance leaders that place their substantial business deposits with U.S. banks hold lingering jitters about safety and soundness, and they will forgo a degree of return for greater confidence, according to one recent survey. That same survey, conducted...
Business Banking

Article

How community financial institutions can bring investing inside to win

Apr 1, 2025

By Rachel Koning Beals
A quarter of investors using an app never transfer their money back into their bank accounts. What if banks and credit unions can capitalize on this opportunity?
Consumer Banking

Podcast

Deposit snapshot: Money-in-motion comes to a rest, but the Fed watch heightens

Mar 26, 2025

By Isio Nelson, Tom Hoscheidt, Rachel Koning Beals
Research leaders Isio Nelson and Tom Hoscheidt join the BAI Banking Strategies podcast for an early 2025 update on the State of U.S. Deposits.
Consumer Banking

Article

Branches are about specialized service. Sometimes that’s self-service.

Mar 13, 2025

By Rachel Koning Beals
Physical banking spaces are most effective, say the experts, when they reflect their modern place in a broader banking ecosystem.
Consumer Banking

Article

Leading through market change: A Q&A with Everbank COO Lindsay Lawrence

Feb 27, 2025

By Lindsay Lawrence, Rachel Koning Beals
This banking veteran shares her insights on fintech distinctions, smart hiring and other strategies that support sustained growth and a competitive edge.
Business Banking / Consumer Banking

Video

AI helps banking salvage speed and safety in fraud fight

Feb 6, 2025

Artificial intelligence reframes the debate over balancing customer expectations for quick and easy transactions and confidence in security.
Fraud Prevention / Technology

Podcast

3 key focuses for the fraud front line in 2025

Jan 27, 2025

By Rachel Koning Beals, Jim Houlihan
On the BAI Banking Strategies podcast, learn from Paladin Fraud's Jim Houlihan about a wider front for attacks, a growing strategy by fraudsters to overwhelm regulators and new oversight priorities.
Fraud Prevention

Article

Can AI give financial advice?

Jan 16, 2025

By Rachel Koning Beals
Our Q&A explores how banks and credit unions can leverage this technology for financial wellness while avoiding one-size-fits-all solutions that disappoint customers.
Consumer Banking / Technology

Article

Payments leaders talk about a U.S. catch-up, SMB expectations and what’s next

Dec 19, 2024

By Rachel Koning Beals
Here’s how payments experts at The Clearing House, TD Bank and Temenos see 2025 shaping up.
Payments

Article

Here’s how many checks consumers still write, and why that impacts holiday fraud

Dec 18, 2024

By Rachel Koning Beals
Todd Robertson of ARGO talks about the rise in check fraud, the shift toward positive pay and adopting a global view of transactions to thwart crime.
Fraud Prevention

Podcast

Quality deposits and a clearer digital picture

Dec 17, 2024

By Rachel Koning Beals, Isio Nelson, Tom Hoscheidt
The BAI Banking Strategies podcast explores a cautiously improved deposit outlook, stubborn margins and the real story on primacy and digital accounts.
Business Banking / Consumer Banking

Podcast

Preparing banking’s front line for a deepfake future

Dec 11, 2024

By Rachel Koning Beals, Sara Seguin
Advances in AI already boost voice-based deepfakes. Sara Seguin from the fraud-focused fintech Alloy joins the BAI Banking Strategies Podcast to discuss the growing threat and how FIs can protect themselves and customers.
Fraud Prevention

Article

Can AI’s impact in the bank boost human significance?

Dec 4, 2024

By Rachel Koning Beals
Explore the BAI Executive Report: Harnessing the power of AI in banking. You’ll find coverage on smart AI-human interaction and other valuable operational use cases.
Technology

Podcast

Unmasking fraud in the age of AI

Dec 3, 2024

By Rachel Koning Beals, Diana Rothfuss
SAS’s Diana Rothfuss joins the BAI Banking Strategies Podcast to explore the sinister rise of deepfakes, identity theft and elaborate scams, plus how generative AI can be a curse and a blessing when it comes to fraud.
Fraud Prevention

Podcast

Fight fraud on all fronts: Check protections to cloud-based solutions

Nov 21, 2024

By Rachel Koning Beals, Brian Keefe
From reviving anti-check fraud efforts to engaging the cloud for your defense, there are smart ways to stay ahead of financial crime, says NICE Actimize's Brian Keefe.
Fraud Prevention