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SRM Perspectives on Key Industry Trends

Connecting with the Elusive Generation Z Demographic

Workforce of the Future: Restructuring Operations to Optimize the Benefits of Agentic AI

Open Banking: Lessons from Abroad

Unlocking Full Value with Payment Hubs: Why Comprehensive Payment Strategies Matter

Navigating the Complexity of Core Modernization

Exploring the Innovation and Market Potential of Request for Payment

Will DOJ Antitrust Suit Against Visa Change the Payments Landscape?

Tracking the Rise of AI-Enabled Fraud

One Year Into FedNow: An Unvarnished View of Instant Payments

Buy Now Pay Later Providers Face New Scrutiny

The State of the Consumer Financial Protection Bureau in 2024: Navigating New Regulations and Industry Dynamics

Tracking Opportunity and Growth in the Commercial Payments Market

Examining the EU’s AI Act & Its Broader Implications

Take a Longer View of Your Critical Vendor Contracts

What’s at Stake in Banking & Payments with Capital One’s Purchase of Discover?

Setting the Table for Balance Sheet Growth When Interest Rates Fall

A Path to Improve Customer Experience

Liquidity, Regulatory Uncertainty, and Fintech Emerge as Major Themes at Annual Conference

Operational Agility Will Be Critical in 2024

Prepare Now for CFPB Clampdown on Overdraft, NSF Fees

Delay Deploying Instant Payments at Your Own Risk

How to Gain an Edge Making 2024 Financial Targets

Consumer Lending – A Growth Opportunity for Banks and Credit Unions with a Plan

Evolving Payments Landscape and Rise of AI Were Top of Mind in 2023

Preparing for a Year of Significant Regulatory Change

Credit Quality Could Be Next Earnings Headwind

Collaboration, Expanding Services, and Emerging Tech: Six Takeaways from Money 20/20

Debit Interchange Finds Itself in the Fed's Crosshairs

Uncertainty & Determination: Bankers’ Reality Check for 2024 and Beyond

Finding the Right Partners Matters with Card Conversions

Reputation Matters When Evaluating Transformation Initiatives

FedNow Assures Wholesale Adoption of Instant Payments

Innovation and Financial Inclusion Opportunities for Credit Unions

How Request for Payment Could Revolutionize Point of Sale

Setting the Course for a Fintech Blueprint

Key Considerations with the Official FedNow Launch

The Importance of a Fintech Blueprint

Tips for the Tech-Focused Financial Institution

Harnessing CRM to Deliver Sustained Success

Why Credit Unions Need a Security-First Mindset

Five Takeaways from the Fintech + Insurtech Generations Conference

Tokenized Deposits Deserve a Closer Look

The Future of Credit Cards Under Threat

Transaction Accounts –The Key to Deposit Funding

Key Considerations for Real-Time Payments

Developing a Sidecar Strategy for Tech Innovation

Assessing the Banking Industry's First-Quarter Performance

Digital Assets Regulation Takes Center Stage at Consensus 2023

Keeping Depositors Engaged in a Time of Disruption

Breaking Down Concerns for Credit Union Leaders

The Importance of Diversifying Your Deposit Base

Looking at AI Language Model Use Cases for Financial Institutions

Community Bankers Weigh in On Recent Bank Failures

How to Prepare for CFPB Crackdown on Consumer Fees

Making Sense of the EWS Digital Wallet Initiative

Five Tech Takeaways from Acquire or Be Acquired

Creating a Map for Credit Unions’ Digital Readiness

Humanizing the Digital Experience for Credit Union Members

How the CFPB Could Shake Up (and Shake Down) Fintech

Making the Case for Open Banking

Timing Matters in Contract Negotiations

What Regulators’ Warning on Digital Assets Means for Banks, Credit Unions

Reflecting on Key Challenges & Opportunities in 2022

How to Retain and Attract Deposits in 2023

Relationship Dos and Don’ts for Contract Negotiation

SRM + Sievewright & Associates: Delivering More Value and Insight for Credit Unions

Regulation, Innovation Took Center Stage at Money20/20

Why Staffing, Tech Upgrades Matter with 2023 Budgets

Despite Cooling Temperatures, Crypto Is Still Hot

Due Diligence Matters with Digital Assets Partnerships

Could ITMs Fill Gap Created by Branch Closures?

Reg II 2.0 Revealed: A Summary of the Fed’s Final Guidance

White House Provides More Clarity on Digital Assets

CFPB’s Buy Now, Pay Later Stance Should Comfort Banks, Credit Unions

Education and Trust Matter When Dealing with Digital Assets

OCC Order Serves as Blueprint for Banks, Credit Unions Working with Fintech

Durbin Bill Aims to Fundamentally Change the Credit Market, Causing Disaster for Industry

5 Things Financial Institutions Should Know About the Metaverse

Reflections on Our First 30 Years & the Evolution of Financial Services

Crypto, BNPL, and Regulation: Key Trends to Watch in the Coming Months

Inflation, Rate Hikes & Falling Consumer Confidence: Brace for Uncertainty

Why the Time is Right to Hire Instead of Acquire

Could PayPal Reset the Stablecoin Market?

How to Firewall Risk in a Buy Now, Pay Later Product

Card Fees Back in Washington’s Crosshairs

Now Is the Time to Explore Distributed Ledger Technology

CFPB Poised to Shake Up Competition for Consumers

What Investors Want to Know About Your Tech Strategy

BNPL: Why Banks and Credit Unions Need to Pay Attention

TerraUSD Collapse is a Teachable Moment in Crypto

Fintech is Redefining Community Banking

How to Navigate the Shifting Winds with Overdraft Fees

How to Prepare for an Intensified Fight for Deposits

Are Concerns of Crypto Regulation Overblown?

Credit Union Buyers, Regulatory Delays, and More: Bank M&A Trends to Watch

The Increasing Chatter Around Conversational AI

Crypto’s Resiliency Spurs Interest from Financial Institutions

Executive Order Cements Crypto's Role in Mainstream Banking

Key Takeaways from CUNA GAC: Challenging Times Ahead

Is BNPL a Missed Opportunity for Financial Institutions?

Volatility Shouldn’t Derail Your Crypto Strategy

ESG Initiatives Can Cement Customer Loyalty

Finding the Right Partners Matters: Takeaways from Acquire or Be Acquired

Merger Scrutiny, Overdraft Fees & More: Banking Regulation in 2022

3 Key Considerations Before Rolling Out a Crypto Platform

How a CBDC Could Disrupt the US Financial System

How Financial Institutions Are Trying to Appeal to Younger Consumers

The New Metrics of Consumer Loyalty

Stablecoins Could Enter the Mainstream in 2022

The Banking Trends That Will Define 2022, Part Two

How Credit Unions Can Take Advantage of the NCUA’s Crypto Guidance

Banking Trends That Will Define 2022, Part One

Identifying Revenue Opportunities in 2022

Money 20/20: Meeting in Person to Tackle Virtual Challenges

How to Renew a Card Processing Contract

How the Global Chip Shortage Could Lead to Headaches for Financial Institutions

What’s Driving the ICBA’s Pivot with Credit Unions Buying Banks

Tech upgrades are coming – but at what cost?

Durbin 2.0 Part II: Who Weighed In and What They Said

Credit Unions and Crypto: Setting the Ground Rules

Budgeting for 2022 | 5 Key Considerations for Your Vendor Contracts

Boosting Growth in a Far-From-Normal Banking Environment

The Four Whys Driving More Buys | Excess Deposit Strategies Add to M&A Trend

Durbin 2.0: Creating Clarity or Confusion?

Apple Pay Later | Will Card Issuers Respond in Time?

The Equation to Boost Account Growth

New OCC Fintech Charter Gives Challengers & Neobanks A Competitive Edge

SRM Mid-Year Trends 2021 | Banks & CUs Perform Balancing Act

Despite Crypto’s Correction, No Change to Fundamentals

How FIs are Exploring Fintech

Pandemic Impacts to Consumer Banking Behavior | SRM Academy Survey Analysis

Defining Decentralized Finance (DeFi) | What It Means for the Future of Banking

Digital Banking Dispatches from the Beach | On Shoring Up Your Virtual Identity

Three Ways to Rebuild Financial Institution Operations in 2021

Major Mergers Signal Surge of Regional Bank Consolidations

Central Bank Digital Currencies (CBDCs) Take the Global Payments Stage | Defining the Crypto Role for Banks and Credit Unions

Hope for the Best, Plan for the Rest | Three Scenarios for Operational Excellence

The Latest Evolution in the Battle to Regulate Payments

How Lending Institutions Can Leverage Data and Benchmarks to Boost Performance

Optimizing PIN Networks for New Forecasts | Planning for Post-Pandemic Consumer Payments

Open Banking | SRM 2021 Trends Part 3

Banking on a Good Problem to Have | The Deposit Influx Wave

Three Virtual Ways to Continue Doing Business at CUNA GAC and Other National 2021 Conferences

The 2021 Outlook | A Return to Normal, Without Returning to the Past? Part 2

Recalibrating for COVID-19 | Long-Term Planning in Short-Term Uncertainty

The 2021 Outlook | Will Banking Return to Normal, Without Returning to the Past?

PayPal’s Bitcoin Embrace - Should Banks Be Jealous?

Show Me the Budget | Five COVID-19 Savings and Revenue Strategies

The “Who What When” of Banking Vendor M&A | SRM Academy Timeline Infographic

Automated Invoice Auditing | New Roads with Rochdale

Connecting with Consumers | Contactless Payments Are Becoming Critical

The Social-Distanced Playing Field for Modern Banking

Are the Battleships Sailing Toward New Targets?

How the 2020 Election Will Impact 2021 Payments Strategies

SRM Coronavirus Second Survey Summary | More of the Same

Google Checking | More Questions Than Answers

1st Bank of Sea Isle City Case Study | Negotiating an Incumbent Core Vendor Deal

Can You Spare Some Change? | A Broader Perspective of the US Coin Shortage

Top-of-Wallet Status | Do Card Issuers Have a Hidden Advantage?

Data Literacy | The Modern Banker’s Required Reading

Change is Good, You Go First | Adapting and Improving Operational Efficiency

Three Months Older and a Bit Wiser on COVID-19

5 Ideas to Keep Product Roadmaps Aligned in Vendor Management Talks

Coming Covid-19 Impacts to Card Portfolios

COVID-19 Impacts – SRM Vendor Invoice Tracking Data Trend Analysis

Banks and Credit Unions: Wake Up to the Needs of Your Small Businesses

One Does Not Simply Switch Core Systems After COVID-19

Byte by Byte: Assembling a Foundation for the Now Normal Post-COVID-19

Banking to Post-Pandemic Consumers | SRM Academy Expert Summary

COVID-19’s Digital Transformation Wrecking Ball

Adapting to Impacts of COVID-19 in Your Card Branding Agreements

What a Decade’s Difference Means to Your Card Branding Agreements

Automated Credit Decisioning: Set It but Don’t Forget It

SRM Clients Weigh in on Expected COVID-19 Impacts

Preparing Your Financial Institution for COVID-19 Impacts

The Double-Edged Sword of Technical Debt

8 Rules of Engagement for Vendor Negotiation Strategy

No Sign of Payments Slowdown in Latest Fed Research

Visa and Plaid, The New Face of Payments Consolidation?

New Decade, Added Focus: Banking Trends for 2020 and Beyond

PNC v. Venmo: Drawing a Line in the P2P Sand

Data Sharing – Model Agreement or Trojan Horse?

Vendor Contract Management in a Recession – How Will Fintechs Fare?

Are Vendor Contract Management Gaps Costing You Millions?

A Reflection within the Payments Pond: Response to Money 20/20

Artificial Intelligence - Not Just for the 800-Pound Gorillas

Taking the Fear Out of Artificial Intelligence

Budgeting & Vendor Management Amid Election Year Chaos

Cash: Alive and Kicking

Chase Pay’s Demise and Apple Card’s Denim Aversion

The Apple Card and Payments Disruption

Contactless Cards: Is the Train Leaving the Station?

Four Must-Haves for Banking Generation Z

Does Experience Matter in Vendor Cost Benchmarking?

What If Vendor Contract Management Could Save You Money?

Automating Vendor Invoice Auditing Delivers 44% Cost Savings

Deciphering the 2019 FED Debit Card Interchange Report

What “Logan Lucky” Can Teach Us About Cashless Retail

How Are 2019’s Biggest Trends Driving Vendor Contract Decisions?

What to Make of Your Digital Banking Decisions as NCR Acquires D3

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