BAI Banking Strategies

The Age Divide in Banking Channel Preference

Wed, 22 May 2013 12:00:00 GMT

The preferred banking channel, branch, online or mobile, is clearly linked to the age group of consumers.

Why All Banks Will Change Core Systems

Tue, 21 May 2013 12:00:00 GMT

With the information demands of the 21st century, changing bank core systems will be mandatory.

Balancing Customer Relationships and Risk Management

Mon, 20 May 2013 12:00:00 GMT

While most financial institutions strive to be ‘relationship-based’ lenders, balancing the relationship with strong credit controls is the key to making those relationships profitable.

The Next Wave of Checking Redesign

Fri, 17 May 2013 09:00:00 GMT

Checking account redesign can boost profitability if the account designers carefully match features with their targeted customer segments.

Improving Retail Sales with Analytics

Wed, 15 May 2013 12:00:00 GMT

Using customer data at the point-of-sale with eligibility analytics can help banks implement a simpler and more efficient sales process.

Dodd-Frank’s Preemption Problem

Tue, 14 May 2013 12:00:00 GMT

The Dodd-Frank legislation makes it harder for banks to avoid liability under state law by making it more difficult for them to raise the ‘preemption’ argument.

Big Data, Culture and Community Banks

Mon, 13 May 2013 12:00:00 GMT

Community banks can make Big Data work for them if they carefully discern the relative value of different kinds of data and make sure culture and data work hand in hand.

Handling Global Banking at the Local Level

Fri, 10 May 2013 12:00:00 GMT

Banks looking to expand their global offerings should carefully assess the new risks and the full scope of their customers’ needs to avoid unforeseen (and unpleasant) surprises.

Big Regulation’s Big Data

Wed, 08 May 2013 12:00:00 GMT

Banks are accustomed to thinking about Big Data in terms of marketing but regulatory compliance nowadays also requires some very big data.

Banking’s Big Opportunity with Small Dollar Loans

Tue, 07 May 2013 12:00:00 GMT

While payday or cash-advance credit is a regulatory no-no, financial institutions have other valid options for making small dollar loans.

Channel or Device? The Debate Goes On

Mon, 06 May 2013 12:00:00 GMT

Is mobile banking a channel or a device? Great minds can disagree but the customer experience may be the critical determinant in settling the question.

More Coach Seats Needed in Retail Sales

Fri, 03 May 2013 12:00:00 GMT

Affluent customers can’t pay for the entire flight; instead, a high-volume sales effort to mass market consumers is critical in covering the fixed costs of retail banking.

Who Owns Cross Selling (and Who Should Own It)?

Wed, 01 May 2013 12:00:00 GMT

Successful cross selling requires a cross-functional team approach that is led by marketing but includes customer service, sales, executive leadership, and information technology.

Getting Results from Process Improvement

Mon, 29 Apr 2013 12:00:00 GMT

Successful process improvement programs require asking the right questions and engaging employees in the process.

A Moneyball Approach to Wealth Management

Fri, 26 Apr 2013 12:00:00 GMT

Small and midsize banks can play in the wealth management leagues if they utilize some contrarian tactics to compete against the larger players.

Avoiding the Sting of Obamacare

Wed, 24 Apr 2013 12:00:00 GMT

Appropriate planning and staff scheduling are the keys for banks to avoid penalties related to the Obamacare health insurance legislation.

Banking’s IT Pain Points

Tue, 23 Apr 2013 12:00:00 GMT

Since so many of banking’s ‘pain points’ relate to information technology, is the industry at risk of becoming just another technology shop?

High Growth Potential in Emerging Financial Services

Mon, 22 Apr 2013 09:00:00 GMT

Banks can sell four times the number of financial products they currently do by offering customers more leading-edge services.