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

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

Report

Growing quality deposits and customer acquisition

Apr 8, 2025

In our April BAI Executive Report Growing quality deposits and customer acquisition, we feature the topics that speak to the industry’s leading business concern for 2025: restoring healthy deposit accounts and boosting engagement with accountholders....
Consumer Banking
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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

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

Article

Smaller banks can tap this short list to loom large in a competitive market

Jul 8, 2025

By Centin Duransoy
This article first appeared in the May BAI Executive Report: Unlocking value through technology optimization. Find more articles within covering tech decision-making spanning CX, fraud, core updates and more. In the past couple of years, select failures of large financial institutions have...
Consumer Banking / Technology

Article

Reining in irregular bankcard charge-offs: How lenders can combat the impact of suspect behavior

Jun 23, 2025

By Carmen Williams
Credit card charge-offs reached record levels late last year, and continue to challenge the financial services industry. To identify any factors beyond financial hardship that could be contributing to this rise, TransUnion completed in-depth analyses of charge-off losses and...
Consumer Banking

Article

Navigating banking’s ‘Fourth Turning’ can be an opportunity

Jun 16, 2025

By Michael Haedrich
In his seminal work, "The Fourth Turning," Neil Howe explores the cyclical nature of history, suggesting that societies undergo significant transformations every 80 to 100 years. These periods, known as "turnings," culminate in a crisis phase that reshapes...
Consumer Banking

Article

M&A success largely depends on one strategy: Trust through tech integration

Jun 13, 2025

By Emily Steele
In early 2025, U.S. banks announced 11 new mergers totaling $678 million in deal value, a strong start to the year’s M&A cycle and a sign that consolidation is far from slowing down...
Business Banking / Consumer Banking

Webinar

2025 State of U.S. Deposits Quarterly Series

Upcoming: Sep 10, 2025

Join our quarterly webinar series to stay informed of the latest deposit shifts and trends impacting consumer and small business banking. Upcoming webinar dates: September 10, and December 9. Sign up and gain insight into the knowledge needed to make...
Business Banking / Consumer Banking

Article

‘Stop, drop and roll’: A guide for bank and fintech partnerships

Jun 12, 2025

By Deniz Johnson
When volatility hits, whether driven by economic headwinds, disruptive technology, or evolving customer expectations, banks often default to the familiar. It’s a fight or flight survival instinct: tighten operations, pause big projects, approve layoffs,...
Consumer Banking

Webinar

State of U.S. Deposits – June

Recorded: Jun 11, 2025

Watch this quarterly webinar series to stay informed on the latest insights impacting the consumer and small business ecosystem. Our industry experts will share the latest deposit shifts and trends and are available to answer your questions at the end...
Business Banking / Consumer Banking

Article

Serving Gen Z remains a lending challenge — and opportunity — for the banking industry

Jun 10, 2025

By Shelly Nischbach
Over the last four years the number of Generation Z consumers with credit files grew by over 76%, increasing from 20 million in 2021 to 34.5 million in 2024, and is outpacing the Silent Generation and Millennials in terms...
Consumer Banking

Article

5 tech-enabled deposit growth strategies to boost efficiency

Jun 9, 2025

By David Carlson
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. In today’s...
Consumer Banking / Technology

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

Unlocking the power of data to build a resilient bank branch ecosystem

Jun 4, 2025

By Michele Riley
In today’s rapidly evolving banking landscape, data is more than just a byproduct of transactions; it’s the lifeblood of operational efficiency and resilience. Banks generate vast amounts of data every day through branch transactions and operational processes, yet...
Consumer Banking

Article

Positioning your deposit business for the ‘Great Wealth Transfer’

May 29, 2025

By Marilyn Kennedy Melia
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. Deposit...
Consumer Banking

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

An updated banking sector and M&A outlook: Navigating uncertainty and innovation in 2025

May 5, 2025

By Mark Williams
The banking sector remains poised for potential transformation in regulation and deal-making activity, by our count, even as the industry is jostled by economic uncertainty and policy shifts from day to day. Initially, the expected business-friendly agenda of the new administration...
Business Banking / Consumer Banking

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

A reliable framework for determining your bank’s balance sheet strategy

Apr 30, 2025

By Mac Thompson
It might come as a surprise that most banks don’t have a balance sheet strategy. Why? Over the past 15 years, they have focused on selling loans, collecting fees and declaring victory – without a true balance sheet strategy. Even financial...
Business Banking / Consumer Banking

Article

Granular benchmarking data revealed this digital banking onboarding hurdle and its solution

Apr 24, 2025

By John Rountree
A version of this article first appeared in the February BAI Executive Report: How banks best measure performance. Read more within to discover how data, especially peer-based benchmarking, increasingly helps a dynamic financial services industry understand the marketplace and act. Growing new...
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

Lending trends defining 2025 and beyond

Apr 15, 2025

By Matt Potere
Recent years were marked by higher interest rates, mounting consumer debt and rapid tech advancements – all presenting challenges and opportunities for banks and credit unions when it comes to lending. As we progress deeper into 2025, there are several...
Consumer Banking