Research

Strong rebounds in consumer activity produce strongest overall reading in nearly a year. Consumer loan application activity accelerates in all regions except the West.

Pricing power on new lending business offset by seasonal slowdown in consumer loan activity. One outlier: the West saw improvement across several indicators.

Pricing power offsets decline in consumer loan demand. Broad-based decline in local business conditions component flashes a warning sign.

The month of November could prove to be a turning point for banking as monthly activity indicators broadly improved, led by a sharp increase in loan pricing.

Cross-selling is at a critical juncture. One of the virtually undisputed pillars of bank profitability, the practice of graduating a single-product consumer into a "relationship" covering the full breadth of his or her financial services needs, has abruptly found its way into the regulatory cross-hairs.

This report aims to explore banks’ current practices as they relate to cross-selling.

SourceMedia Research surveyed executives to assess their plans for overall spending and delve into the opportunities and risks that bankers are seeking to address with their 2017 budgets.

SourceMedia Research surveyed executives to assess their plans for overall spending and delve into the opportunities and risks that bankers are seeking to address with their 2017 budgets. What emerges from the response set is an image of an industry that continues to allocate ever more resources to modernization. The survey does suggest, however, a deceleration in the rate of spending growth.

Banking industry activity flattened off in the month of October as financial institutions and their customers both seemed to hit the pause button ahead of this month's elections.

Postpone the memorial service — the expansion is still alive. For one month at least, business conditions improved for the banking sector.

In this report, we analyze the nascent use cases of financial institutions experimenting with distributed database technology, one of the most talked-about innovations in financial services.

Early experimentation by financial institutions with distributed-ledger technology

Drawing on a proprietary survey of banking executives, this paper explains where the industry sees the most potential for open APIs to enable innovation and improve security, the degree to which banks have adopted the technology and the reasons many remain reluctant to do so.

Application programming interfaces allow software programs to talk to each other. They are a potential solution to the current industry standoff over sharing of bank customer data with aggregation sites; in the long term, they could transform how banking is done, making customer relationships less sticky but opening up new revenue models for financial institutions. This paper lays out the basic issues surrounding APIs.

This report examines how a core group of banks are establishing themselves as pace-setters in attacking the challenge of remaining "top of wallet" as consumers migrate commerce to smartphones.

Technology companies like Apple and Samsung brought mobile payments to the fore and issues that led the U.S. to lag in mobile wallets have for the most part been settled. This report examines how a core group of banks are establishing themselves as pace-setters in attacking the challenge of remaining "top of wallet" as consumers migrate commerce to smartphones.

How technologies inspired and influenced by bitcoin could reshape financial services, from payments to securities settlement to document preparation and beyond.

How technologies inspired and influenced by bitcoin could reshape financial services, from payments to securities settlement to document preparation and beyond.

Almost all banks have deployed at least a basic smartphone application, but mobile’s transformational impact on the industry is still skin-deep in many corners.

Almost all banks have deployed at least a basic smartphone application, but mobile’s transformational impact on the industry is still skin-deep in many corners. Theoretically, customers could do almost all their banking on a smartphone, but a very small minority even come close to doing so. How banks are planning to tackle that next challenge.