Research Reports

Data trails and electronic imprints have transformed the way many businesses reach customers, seek opportunities, design products, defend against risk and plan investments.

Data trails and electronic imprints have transformed the way many businesses reach customers, seek opportunities, design products, defend against risk and plan investments. But how far have data and analytics gone in supplanting intuition, rules of thumb, instinct and experience in banks’ decision-making processes? In which activities are analytics the most prevalent, the most desirable, the most challenging to implement?

The macro-level decline in branches belies a much more nuanced reality — many banks below the top tier are actively scaling up and advances in branch technology are achieving deep penetration in the industry.

The macro-level decline in branches belies a much more nuanced reality — many banks below the top tier are actively scaling up and advances in branch technology are achieving deep penetration in the industry.

Regulatory risk and security and privacy concerns top bank executives' risk-related worries. The result: Higher spending on staffing and systems and departures from a range of commercial and consumer lines.

Regulatory risk and security and privacy concerns top bank executives' risk-related worries. The result: Higher spending on staffing and systems and departures from a range of commercial and consumer lines.

Lured by the promise of better insight into consumer needs as well as the potential for cross-sale opportunities, many bank executives are poised to add personal financial management to their consumer offerings.

Lured by the promise of better insight into consumer needs as well as the potential for cross-sale opportunities, many bank executives are poised to add personal financial management to their consumer offerings.

Mobile offerings have now become nearly universal across the industry, and banks are increasing budgets to rapidly build out features as new technology emerges.

Mobile offerings have now become nearly universal across the industry, and that banks are increasing budgets to rapidly build out features as new technology emerges. At the same time, unease is evident among executives over the deployment of an ever wider array of services that do not directly generate revenue, although a rough consensus of sorts is forming around what kinds of metrics constitute an appropriate assessment of ROI in this space.