BAI Banking Strategies

BAI Banking Strategies is a distinctive publication that offers valuable content, impartial viewpoints, and practical insights designed to assist leaders in the financial services sector. It encourages them to rethink their strategies, implement meaningful changes, and discover innovative solutions to the industry's most challenging issues.

National, Trade/B2B

English

Magazine

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Global

#389819

United States

#96017

Finance/Finance

#1360

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Articles

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

1 week ago | bai.org | 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 footprints overall and key considerations for branch staff management. Capturing operational efficiencies is a leading banking priority this year, financial services leaders reveal in the ProSight Banking Outlook:2025 Trends.
Attracting and keeping deposits with more than rates

3 weeks ago | bai.org | 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 customer acquisition. Even if a yield chase is dictating the flow of hot money less these days than in recent years, it doesn’t mean bankers can be caught flat footed, without a strategy to compete for quality deposits.
Corporate finance leaders can’t shake concern about bank failure risk, survey shows

1 month ago | bai.org | 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 by Milwaukee area-based treasury management firm Ampersand Inc., also showed a heightened interest in liquidity and other flexibility features.
Deposit snapshot: Money-in-motion comes to a rest, but the Fed watch heightens

1 month ago | bai.org | Isio Nelson |Tom Hoscheidt |Rachel Koning Beals

Key takeaways: Cautiously optimistic. The BAI State of U.S. Deposits reveals a steady to modestly upbeat landscape, considering that interest rates are still elevated by historical comparisons. The detailed picture is mixed: business deposits in recent months remained higher, while consumer deposits were shy of expectations, in part because bonus payouts were softer. Money-in-motion settles down. There is deposit improvement from valuable higher wealth accounts.
Branches are about specialized service. Sometimes that’s self-service.

2 months ago | bai.org | Rachel Koning Beals

When customers and members walk into their bank or credit union, the surroundings should be welcoming and flexible, the technology convenient and functional, and the staff approachable and well-trained. Physical banking spaces are most effective when they reflect their modern place in a broader banking ecosystem.
The essential role of AI in fraud prevention

Jan 21, 2025 | bai.org | Eric Tran-Le

A version of this article first appeared in the November BAI Executive Report: Harnessing the power of AI in banking. Find more insight within on careful adoption of artificial intelligence, automation and machine learning, leveraging SMB relationships, creating core efficiencies and more. The financial landscape is constantly evolving, making fraud prevention more critical than ever — especially for smaller banks and credit unions.
Can AI give financial advice?

Jan 16, 2025 | bai.org | Rachel Koning Beals

A version of this article first appeared in the November BAI Executive Report: Harnessing the power of AI in banking. Find more insight within on careful adoption of artificial intelligence, automation and machine learning, from SMB examples to creating core efficiencies, expanding lending use cases and more.
3 ways banks and credit unions can use AI to power financial wellness initiatives

Jan 13, 2025 | bai.org | Rahul Kumar

Financial wellness has long been part of the strategic vision for financial services institutions seeking to build customer loyalty and, by extension, create a durable revenue stream. Regional banks, community banks, and credit unions in particular, are motivated to differentiate themselves from megabanks by becoming true partners with customers and members on their financial journeys. Unfortunately, delivering on the promise of financial wellness has been a challenge for two primary reasons.
How open banking and AI can inform digital strategies

Dec 10, 2024 | bai.org | Carlos Lopez |Carlos López

A version of this article appeared in the BAI Special Report: The continued digital evolution in banking. You can find more insight within on sustaining deposits via digital channels, tapping BaaS for an enhanced branch role and making fraud protection a priority during digital growth. Carlos Lopez is the lead digital analyst of corporate strategy at Jack Henry. He covers all things digital—in both mobile and online channels.
Can AI’s impact in the bank boost human significance?

Dec 4, 2024 | bai.org | Rachel Koning Beals

In preparing our range of articles for our BAI Executive Report: Harnessing the power of AI in banking, a few takeaways remain with me. First, that AI is already, or soon will be, impacting nearly every department of a financial institution, its staff and its customers to varying degrees. And second, the experts tapped for this issue to a person see a pivotal future role for human gatekeepers and growing demand for higher skills among personnel as AI reshapes financial services.