BAI Banking Strategies

Cutting Costs in the 'Middle Office'

11/6/2009 1:28:34 PM

By focusing their expense reduction efforts on the back office, banks miss the savings to be found in the branch network, or ‘middle office.’

Prepping for The Weekend: Buying Banks from the FDIC

11/2/2009 1:00:00 AM

Buying failed banks from the regulators can bring growth at a cheap price – but only if acquirers do their homework first.

New Age of Innovation for Credit Cards?

11/2/2009 1:00:00 AM

As consumer credit card spending declines, issuers are experimenting with innovative products to rekindle customer interest.

Private Equity: The Banker’s Perspective

11/1/2009 9:21:00 PM

Private equity firms can partner with banks in several ways; bankers need to weigh the pros and cons.

Asking the Right Questions in Financial Services

11/1/2009 2:57:00 PM

Consultant Piyush Tantia says behavioral economics can help guide bankers to innovative products that meet customer needs.

Can You Hear Me Now? Best Practices for Listening to Customers

11/1/2009 1:57:00 PM

To win back disenchanted customers, banks need to gather – and act on – customer feedback.

The Voyage Back

11/1/2009 12:00:00 PM

Caught between increasing regulatory burdens and disaffected customers, bankers see their salvation in a return to basics – or “traditional innovation.”

Customer Trust: The Local Connection

11/1/2009 10:15:47 AM

New consumer research from BAI and Finacle shows customer trust remains a residual strength to be leveraged by banks.

Second Acts for Displaced Bankers

11/1/2009 9:55:00 AM

As layoffs accelerate in the financial services industry, unemployed bankers face the question: what to do next? The answer is not always obvious.

Overdraft Reconsidered

11/1/2009 7:48:00 AM

Despite its negative reputation, overdraft protection is a customer-friendly service and its flaws can be fixed without additional legislation.

The Conundrum of Self-Service: Cost Savings or Customer Service?

10/1/2009 10:29:00 AM

Self-service delivery can deliver cost savings, but only if the customer’s needs are kept front and center.

Right Pricing Home Equity Lending

10/1/2009 10:21:00 AM

For home equity lenders, appropriate pricing models can help achieve acceptable levels of growth and risk-adjusted profitability in a troubled market.

Transaction Data: The Rewards Program Goldmine

10/1/2009 8:28:00 AM

Merchant-funded rewards based on customer transaction data can help banks profit from their debit and online banking programs.

E-Verify for Compliance

10/1/2009 8:27:00 AM

To improve their compliance efforts in the arena of employment and immigration, banks ought to give the controversial E-Verify program a closer look.

The Changing Face of Check Fraud

10/1/2009 6:35:00 AM

The transition from paper to imaged checks exposes bank vulnerabilities to fraud, but also facilitates detection methods that may turn the tide.

Taking Charge of Retirement

10/1/2009 12:00:00 AM

Now more than ever, the American people are eager to take an active role in their own retirement plans. Congress and the administration can take practical steps to help Americans save more for their retirement.

Managing the Two Faces of Risk

9/1/2009 10:37:00 AM

Credit card lenders can use balance-control strategies to both avoid the higher-risk customers and retain valued, long-term clients.

The Hidden Potential of Under-banked Business Owners

9/1/2009 10:36:00 AM

Under-banked small business customers can provide a lucrative source of additional revenue for banks.