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Insights

Insights, organized by the work.

Articles, white papers, media appearance & firm news, grouped by the six areas where we advise banks.

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Digital & AI
White Paper

Embrace New Processes to Ensure Technology Implementations are Successful

Most transformation projects fail entirely, or at least fail to deliver promised results. Many small financial institutions use technology to transform business operations in the pursuit of efficiencies and other competitive gains within their industries. Many of these efforts fail to achieve their strategic objectives. These well-intentioned efforts often suffer significant cost overruns and scheduling delays which erode the initial value proposition. The traditional response is to drive more rigorous management routines and delay or cancel the project. In many cases, management fails to understand the underlying issue impacting performance.

Risk & Compliance
In the Media

Curry: Growth strategies for banks in unprecedented times

In his byline for the Journal Record, Stephen Curry details how firms with proper controls and growth strategies in the areas of digital banking, loan growth, and regulatory risk can set themselves up for success in the coming year.

Digital & AI
White Paper

Be a Top Relationship Bank for Your Clients: Evaluate Your Payments Platform to Grow and Retain Commercial Clients

2021 is the year to create a strategy to grow your commercial banking relationships by leveraging your bank’s payments platform. Listen to your commercial clients. They will speak to their needs related to accepting credit and debit cards, invoicing their vendors, and detailed transaction reporting on deposits and payments. This article suggests five ways to improve your payment product offerings to meet your clients’ needs and grow commercial relationships.

Regulatory & Remediation
White Paper

Important Synergies and Complexities for Non-bank Conversions to a Bank

Three benefits drive non-banks toward a charter: cheaper funding, retained payment fees, and control of deposits. Weighed against the cost of operating inside a tightly controlled environment.

General
Newsletter

This Month at Endurance #45

Firm newsletter featuring Stephen Curry on a year of learning how AI is used in financial services.

General
Newsletter

This Month at Endurance #44

Firm newsletter on Governor Bowman, expected Fed supervision changes, and what they may mean for bank regulation.

Regulatory & Remediation
Article

2024 – A Growing Commercial Real Estate Crisis

How rate moves, remote work, and retail shifts are stressing commercial real estate, and the maturity wall ahead.

Strategy & Liquidity
Article

Liquidity Risk Management - The Most Critical Challenge for Banking in 2023

Why liquidity risk became the central banking challenge in 2023 as deposits shifted and bond portfolios lost value.

Risk & Compliance
Article

Implementing Enterprise Risk Management - A Guide to the "why" and "how"

What enterprise risk management means for banks, why regulators are asking for it, and how to implement it.

Risk & Compliance
Article

Data-Driven Risk Management is Critical to Survive and Thrive

The financial services industry's increasing intricacy, combined with recent adverse events, has heightened regulatory scrutiny on banks. This is further compounded by liquidity challenges, creating a landscape of unprecedented risk management demands.

Regulatory & Remediation
Article

Assessing Readiness for the $1 Billion Threshold in a Volatile Climate - Lessons for banks of all sizes

What crossing the $1 billion asset threshold changes for banks, from FDICIA to the operating discipline examiners expect.

Strategy & Liquidity
Article

A Shrinking Money Supply and Rising Rates Present Liquidity and Capital Challenges for Banks

The most common measure of money supply, M2, experienced a dramatic and historic run-up in 2020-21. As a result of this influx of funds, and the many dislocations attributable to COVID, reducing the money supply to mute the effects of inflation became a strategic focus of the Federal Reserve in 2022 and 2023.

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