Studies & Trends - Page 2

Are Firewalls Effective Against Bots?

Bot attacks often use previously stolen user credentials to gain unauthorized access to the web, mobile and API application services that organizations rely on to support business processes and engage with their customers. However, a new report from Cequence Security highlights both the security and productivity challenges from the growing number of bot attacks targeting today’s hyper-connected organizations. 


In a World of Data Breaches, Consumers Still Trust Banks (Mostly)

With the recent implementation of the General Data Protection Regulation by the European Union and a steady stream of news about data privacy, it’s not surprise that a SAS survey found that U.S. consumers are increasingly concerned about their personal data. Of 525 U.S. adult consumers surveyed, almost three-quarters (73 percent) said their concern over the privacy of personal data has increased in the past few years. 


Technology Through the Years

A final look back at banking innovation.

By Michael Scheibach

“Conestoga Bank, headquartered in Chester Springs, Pa., is introducing mobile remote deposit capture, or mRDC: the ability to use a smartphone to photograph a check and deposit it directly into your bank account.”

This was the opening sentence of my Technology Focus column eight years ago. Mobile RDC was quite new at that point, with many banks hesitant to implement the technology because of potential risks of duplicate deposits. Today, mRDC has become an essential offering critical for retaining current customers and obtaining a new generation of digital-first customers. According to a survey by, 95 percent of banks now believe mRDC benefits outweigh the costs and risks.


Wealth Management

Investing in the future of your community bank.

By Rick Dahl

Factors are converging, forever changing the banking landscape. Financial institutions face increased competition from online banks, and behemoths like Walmart and Amazon are getting into banking. Advice is commoditized while branch locations and boundaries become less important, even as fiduciary pressure increases.


U.S. Consumers Demand Choice in How They Pay, but Often Still Choose Cash

December 5 — In a digital-first world, the importance of cash within the payments ecosystem remains strong based on the many unique features of the tried-and-true greenback.


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