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SRM Perspectives on Key Industry Trends

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

Posted by Paul Davis on Feb 6, 2024 11:09:00 AM

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Bank Director’s Acquire or Be Acquired Conference remains a prime-time event for understanding the ever-evolving dynamics in the banking industry (beyond the prominent M&A theme) and copious amounts of networking. Over the four-day conference, there were more than 2,000 attendees this year – and the SRM contingent did its best to connect with as many industry pros as possible.

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Topics: Bank Vendor Management, Credit Union Vendor Management, Deposits, Hiring, Regulation, liquidity, Risk Management, Fintech Contract Negotiation

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

Posted by Paul Davis on Dec 20, 2023 11:02:00 AM

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SRM's experts spent much of 2023 tracking emerging developments in technology, regulation, and general trends in the financial markets.

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Topics: Payments, Vendor management, AI, Artificial Intelligence, Deposits, Regulation, liquidity, Interchange Fees

Preparing for a Year of Significant Regulatory Change

Posted by Paul Davis on Dec 7, 2023 11:17:00 AM

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Financial institutions must be ready for a bevy of new regulations in 2024.

All major federal bank regulators (the Federal Deposit Insurance Corp., Office of the Comptroller of the Currency, the Federal Reserve, and the Consumer Financial Protection Bureau) have sought comments for proposed rules during the second half of this year. They cover many topics, including corporate governance, capital, liquidity, and artificial intelligence.

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Topics: Vendor management, AI, Artificial Intelligence, Deposits, Regulation, liquidity, Corporate Governance, Capital

Transaction Accounts –The Key to Deposit Funding

Posted by Tim Keith on Jun 7, 2023 11:05:00 AM

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For several years, federal stimulus dollars swelled the checking account balances of many consumers, who found few, if any, safe alternatives to earn higher yields. That era has now receded into the rearview mirror.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Deposits, liquidity, Gig Economy

Keeping Depositors Engaged in a Time of Disruption

Posted by Tim Keith on May 2, 2023 11:12:00 AM

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The deposit market, which had been remarkably dull and easy to overlook for over a decade, continues to deliver new twists. The latest shot across the bow comes courtesy of Apple and Goldman Sachs – in the form of a savings account with a 4.15% annual rate and no minimum balance.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Deposits, liquidity, Apple Savings

The Importance of Diversifying Your Deposit Base

Posted by Tim Keith on Apr 4, 2023 11:13:00 AM

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We were already seeing banks and credit unions step up efforts to attract and retain deposits before last month’s bank fallout resurrected discourse about the importance of liquidity.

Financial institutions of all sizes are doubling efforts to hold onto depositors while serving people who have moved their accounts from Silicon Valley Bank, Signature Bank, and others. Deposit balances have become a hot topic – the Independent Community Bankers Association just announced that it would be a focus of its next fintech accelerator season.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Deposits, liquidity, Checking Accounts

Community Bankers Weigh in On Recent Bank Failures

Posted by Paul Davis on Mar 21, 2023 12:15:00 AM

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Bankers began arriving at the Independent Community Bankers of America’s annual convention eager to discuss a broad range of strategies for navigating 2023.

The fact that the conference was held in Hawaii – a destination that was scrapped a couple of years ago because of the pandemic – was a cause for optimism despite several headwinds.

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Topics: FDIC, Deposits, Community Banks, liquidity, Assessments

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