Reduce Collateralization: A Path to Greater Efficiency and Depositor Satisfaction

Managing deposit collateralization can be a challenge in any environment. But in today's volatile financial landscape, the liquidity constraints imposed by collateral can be especially burdensome.

Read More

Can digital remittances be an opportunity for community banks?

According to the BNY Voice of Community Banks Survey 2024, more than 90% of U.S. community banks say they are ready to begin digital transformations. Yet many don't feel they have the in-house expertise or the resources to carry them out.

Meanwhile, digital banks and fintechs are expanding aggressively, in a context where younger customers are willing to move their deposits in exchange for better digital experiences.

There's an opportunity here if we look at it from a product perspective. Take remittances. According to the Niskanen Center, remittances sent from the United States alone reached 93 billion dollars in 2024, and up to 230 billion when informal channels are included.

Since many community banks still rely on manual processes for international transfers, it's reasonable to assume that people sending money today could shift to digital channels if the experience were built directly into their existing banking relationship. Even moderate adoption could translate into significant transaction volume without the bank having to acquire a single new customer.

That's why community banks don't need to reinvent themselves overnight, but they do need to go digital with the right partners to support them through this process, partners that can integrate new digital tools into their traditional channels and deliver easier, safer experiences for their customers.

Webinar: Pay-for-Results Marketing Services – New ICBA Preferred Services Provider    
Find out how other ICBA member banks are leveraging a unique pay-for-performance model to grow deposits, loans, payments, and new households. ICBA Preferred Service Provider OptimaFI will host a webinar on Wednesday, July 22 at 2 p.m. to discuss how they use peer performance and response data to pinpoint targeted opportunities and deliver multi-touch marketing campaigns that drive measurable growth. ICBA member banks receive a complimentary Opportunity Assessment with tangible recommendations and projected results.

Are You Tracking the Right Credit Card KPIs in 2026?

With U.S. credit card balances reaching $1.25 trillion and revolving credit surging at a 9.1% annualized pace, the margin between a high-performing card program and one that's falling behind has never been tighter. i2c breaks down the six KPIs every bank and credit union should be monitoring to drive growth, manage risk, and stay competitive in today's payments landscape.

Read the full article here

Branches Aren’t Dead – But Generic Measurement Is

Whether you believe we’re in an expansion or contraction cycle, one thing is certain: measuring branch performance strategically and fairly has never been more important. Check out the latest FinTalk blog to learn why 'good enough' measurment isn't enough.

Read the post >>

How Banks Can Grow Amid Economic Uncertainty

Explore how to absorb disruption, attract younger customers and SMBs, and pair innovation with modern operations to drive growth.

Read the blog >>