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Insights

Insights, organized by the work.

Articles, white papers, media appearances, and firm news from the practitioners who do the work.

Featured
Digital & AI

My AI Journey

A banking executive's year inside the AI shift: agentic systems, the primacy of clean data, the art of the prompt, and an honest account of what still goes wrong.

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Digital & AI
Article

Strikes and Hits: AI in Banking and the Balance of Risk and Reward

Why small and mid-size banks should engage AI now rather than wait, and how to balance risk and reward.

Digital & AI
White Paper

Digital Banking Strategies for Community Banks

Define digital banking. The term digital banking has been in flux for at least 30 years as technology has evolved, but its essence is enabling your customers to seamlessly access financial services across devices. This includes a broad array of interactions in addition to mobile banking, online banking, and even how these are packaged on the bank’s website and in marketing materials.

General
Newsletter

This Month at Endurance #39

Firm newsletter highlighting Endurance commentary on banking-as-a-service scrutiny and fintech-partner risk in 2024.

Risk & Compliance
Article

Safeguarding Financial Services Against the Top Cybersecurity Threats

Average breach cost in financial services reached $4.88 million. Ransomware, insider threats, and vendor risk, plus what the retirement of the FFIEC assessment tool means for examinations.

Risk & Compliance
White Paper

Ten Key Regulatory Challenges for Banks

Regulatory intensity is driven less by new rules than by the volume of issuances, the breadth of supervision, and their reach across the bank. An introduction to KPMG’s Ten Key Regulatory Challenges of 2024.

Strategy & Liquidity
White Paper

Syndicated Loan Market Opportunities

Where community and regional banks can still find quality commercial loans in a crowded syndicated market.

Strategy & Liquidity
White Paper

Liquidity Strategies for a Tough Environment

The current economic environment doesn’t offer any “good” investments. The COVID recession is different from anything we have experienced. This makes it difficult for banks to manage their investment portfolios without taking on undue interest rate risk.

Digital & AI
White Paper

Emerging Digital Payments Companies Cannot Overlook Sanctions Protocols

Amid the heavy growth of start-ups in the digital payments and currency space, OFAC’s (U.S. Treasury’s Office of Foreign Assets Control) announced settlement agreement with BitGo, Inc., sends a clear message: a lack of sanctions compliance can be costly.

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

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.

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