Trends Lines

Stability Through Times of Change

Thoughtful communication management is key to a successful merger or acquisition.

By Alaina Webster, Managing Editor

According to most predictions, merger and acquisition activity is expected to increase in 2018. An article from the Harvard Law School Forum on Corporate Governance and Financial Regulation, Mergers and Acquisitions: 2018 with a Brief Look Back, states, “As a new regulatory environment takes hold, we expect that an increasing number of banks will be let out of the regulatory ‘penalty box’ to pursue acquisitions. An increase in able buyers combined with a more expedited regulatory approval process should spur bank M&A activity.”


Growing Generation Z

Why more and more banks are promoting financial literacy in their communities.

By Alaina Webster

When it comes to community involvement, many banks focus on improving “financial literacy” in their communities. According to a 2017 survey conducted by the National Financial Educators Council, Americans estimate that a lack of financial knowledge has cost them an average of $9,724.83 per person. In fact, 25.52 percent of those surveyed estimated insufficient knowledge of finances has cost them more than $30,000.


The Future Is Female

Positioning your bank to serve the growing market of women-led small businesses.

By Alaina Webster

According to the 2016 State of Women-Owned Businesses Report by American Express OPEN, women-owned businesses are growing at five times the national average for all small businesses. During the recession years, employment at women-owned businesses increased by 20 percent while employment across small businesses of all types nationally declined 4 percent. Women own 29 percent of all U.S. small businesses, up 68 percent from 2007. In fact, the 2013 State of Women-Owned Businesses Report found that female-owned businesses included 10.6 million U.S. companies, generated more than $1.3 trillion and employed some 7.8 million people, numbers that have only increased in the last four years.


Rise of the Bots

How AI is changing the banking landscape

By Alaina Webster

Entering 2018, the most-discussed banking topic might be “Bitcoin.” Close behind, however, is artificial intelligence. With national giants such as JPMorgan Chase, Wells Fargo and Bank of America investing in and implementing major AI components in their customer-facing strategies, adoption of AI by regional/local organizations can’t be far behind.


Move Over Millennials

By Kristin Rulon


There’s a new kid in town and while many of them are still quite literally children, that shouldn’t stop FIs from preparing for the most tech-savvy generation to date.


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