What Makes Financial Executives Step Out Of The Office?

Many financial leaders are struggling with digital and data transformations. Day to day dynamics often leave executives confined by a limited set of ideas accepted by their organizations. Attempts to “ask around” or “learn from the best” in order to become innovative are easier said than done. The fact is that there is no better…

Getting a Handle on Fee Waivers – Leakage

Revenue growth is still the top priority for banks in 2016, and their biggest concern. In fact, in a recent survey, 80% of banks mentioned revenue growth as their biggest challenge this year. Banks are finding it more difficult to grow margin revenue and are therefore focusing more and more energy on service charge revenue…

Fresh Focus From FinTech During FinovateSpring 2016

The Earnix team has just returned from the FinovateSpring FinTech conference in San Jose, CA. In case you’re not familiar with this conference – it’s two days of seven-minute software demos, 74 presentations in all. It’s intense. It’s techy. And amazing. This is my fifth Finovate event in the past eight years – it’s a…

Changing the Game: The Next-Generation of Analytics

I’ve been involved in data and analytics for a long time – since my days at Capital One when I worked on credit policy. It’s amazing how much has changed since then. And how little. First, the big changes. There is an almost unlimited amount of computing power – particularly leveraging the power of the…

Predict Fee Paying Behavior and Improve NII Performance

With margins compressed and prospects of rate hikes waning, banks are once again becoming laser-focused on fee income to drive overall revenue growth.  According to a survey of more than 200 bank executives conducted by Earnix and SourceMedia (publisher of American Banker), 74% mentioned growing fee revenue as one of their biggest challenges for 2016. …

Four Insights From CBA LIVE 2016

The Earnix team had a very exciting time in Phoenix attending the Consumer Bankers Association annual meeting, CBA LIVE 2016. The conference was full of energy with great speakers – particularly keynote speeches by General Stan McChrystal, Heather Cox (CEO, Fintech, Citi) and Amy Walter (National Editor, Cook Political Report).

Of course, there were many other interesting presentations across all facets of banking – deposits, consumer lending, home equity, payments, regulatory, social responsibility – but the content was as remarkable for what wasn’t included as for what was included.