‘Successful migrations involve people, culture, and training’: Accelerating cloud adoption in banking and capital markets 

Banking, Embedded Finance, Payments

How Citi is strengthening its merchant relationships through Citi Pay

• Last year, Citi launched Citi Pay, a suite of pay-over-time solutions with digital credit lines and merchant installment loans to help consumers split large purchases.
• We explore what retailers seek from their banking relationships and why Citi opted for partnerships over in-house development when creating the Citi Pay suite.

Banking, Banking as a service

“We are not just going to take on business for the sake of taking on business”: Fifth Third’s Dan Dall’Asta on how Newline structures BaaS partnerships

• Fifth Third's embedded finance play in the form of Newline has been yielding the firm results with the bank’s commercial payments revenue reported to have grown by 10% at the end of Q3 compared to the same quarter last year. 
• The secret to Newline by Fifth Third's success is prioritizing having a standardized compliance and oversight model and only working with clients that want to be in it for the long haul.

Banking, Embedded Finance

How Union Credit’s embeddable loan marketplace positions CUs for a digital-first future

• Union Credit embeds digital lending into the buying journey, offering borrowers instant access to credit without needing to visit a CU branch.
• Dave Buerger, CEO and co-founder of Union Credit, explains how the marketplace operates and how credit unions can transform initial loan interactions into lasting banking relationships.

Banking, Innovation

The Last Bank Branch? Not Quite, But Close

• While banks spend a significant amount of their resources on maintaining their physical footprint, the success of digital banking has put into question the efficacy of this investment by incumbents.
• Now banks need to find ways to compete in the digital realm and optimize their branch networks to function and complement an omnichannel banking world.

Artificial Intelligence, Banking, Designing new products, Innovation, Partner

The call for Gen AI and why banks are slow to answer it

• While fintechs are rolling out AI-driven tools for wealth management and tax planning, banks remain cautious, focusing on internal productivity rather than customer-facing products.
• Apart from the compliance hurdles banks may be facing when it comes to deploying Gen AI, another reason for their slow movement may be the perceptions of their core consumer segment.