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Banks are seeking ways to keep access to BaaS revenues
FMNs are springing up as banks chase ad dollars
Banks are revamping branches to boost customer loyalty
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About This Report
Banks are experimenting with emerging technologies and business models to find new revenue streams. But stepping outside traditional banking molds introduces more business, reputational, and regulatory risk.
Banks are seeking ways to keep access to BaaS revenues
FMNs are springing up as banks chase ad dollars
Banks are revamping branches to boost customer loyalty
Sources
Media Gallery
Banks’ lending profits are being squeezed by high interest rates, and regulators are cracking down on “junk fees” and eating into long-standing revenue sources. As banks seek alternative revenue streams and cost efficiency, they’ll have to navigate regulatory pushback and reputational risks.
Key Question: What are the biggest emerging trends the banking industry should start preparing for in H2 2024 to future-proof their businesses?
Key Stat: Banks partnered with at least one fintech are a growing target for negative regulatory attention. In Q1 2024, 35.3% of partner banks got a formal enforcement action, up from just 10.0% the year prior, per Klaros Group. This illustrates the challenge banks face in keeping their banking as a service (BaaS) operations compliant.
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Table of Contents
Executive Summary
AI is teeing up banks’ next compliance fiasco
Banks are seeking ways to keep access to BaaS revenues
FMNs are springing up as banks chase ad dollars
Banks are revamping branches to boost customer loyalty
US Banking Consumers Who Ultimately Bought a Banking Product/Service Because of the Availability of Nearby Branches, by Household Income, Oct 2023 (% of respondents)
US Banking Consumers Who Ultimately Bought a Banking Product/Service Because of the Availability of Nearby Branches, by Household Income, Oct 2023 (% of respondents)
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