Deep Dive

Industry insights from our journalists


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    Rethinking overdraft

    While many stakeholders would agree banks need to revamp the fee-based model, it remains to be seen whether change will come through legislation or the market.

    Anna Hrushka • July 12, 2021
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    Alex Wong / Staff via Getty Images

    Visa, Mastercard face biggest challenges in a decade

    Regulatory, legislative and court confrontations over the card networks' fees are ratcheting up pressure again for reform of the behemoths' practices.

    Lynne Marek • April 22, 2021
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    Anna Hrushka/Banking Dive

    Policy questions remain as global governments explore CBDCs

    Bank Policy Institute's chief examines the impact and drawbacks of various models of digital coin as the Fed and other countries forge ahead.

    Anna Hrushka • April 19, 2021
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    Adeline Kon/Banking Dive

    In serving the Amish, Lancaster County bankers find 'make-a-difference' work

    Banking some of Pennsylvania's most conservative people means forging creative solutions around mobile banking, photo IDs, flood insurance and even picnic-table business deals.

    Anna Hrushka • March 04, 2021
  • Can banks win in the booming buy-now-pay-later space?

    While BNPL represents a relatively small niche of the payments ecosystem, banks should take note of what the growth of that silo says about the next generation of consumers, one consultant said.

    Anna Hrushka • March 02, 2021
  • What's in store for challenger banks in 2021?

    As the challenger bank market continues to attract venture capital, new users and even celebrity endorsements, how will the momentum and hype surrounding this new way to bank continue into 2021?

    Anna Hrushka • Jan. 25, 2021
  • 4 banking trends to watch in 2021

    Banking Dive expects M&A to pivot toward niches, race to be a continuing focus of ESG, and crypto to have a make-or-break year in 2021.

    Dan Ennis and Anna Hrushka • Jan. 20, 2021
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    Photography by Gage Skidmore / Photo Illustration by Kendall Davis / Industry Dive

    Election 2020: What should the banking industry expect from Biden or Trump?

    Banking Dive spoke to several academics, consultants and legal experts about what may change or stay the same in the banking sector under a new Biden administration or a second Trump term.

    Anna Hrushka • Oct. 22, 2020
  • Acquisition under the radar: Credit unions resume community bank deals

    A hearing on tax exemption is long overdue, advocates say. But lawmakers are focusing on pandemic priorities. Meanwhile, a credit union may be a community bank's best hope.

    Anna Hrushka • Oct. 06, 2020
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    Fotolia

    Banks rethink office space, branch strategy to sync with new customer, employee habits

    With 70% of bank staff working remotely and more clients using digital channels, cutting back on square footage is the new efficiency.

    Anna Hrushka • Aug. 13, 2020
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    How community banks plan to keep their new PPP customers

    Community banks participating in the PPP have pulled their weight among some of their larger competitors while showcasing flexibility, technology and personal touch during the pandemic.

    Anna Hrushka • July 09, 2020
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    Permission granted by Piermont Bank

    De novos see silver lining amid coronavirus pandemic

    It's a difficult time to launch any business, much less a bank. But the timing comes with opportunities and challenges, industry leaders say.

    Anna Hrushka • May 11, 2020
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    Why lenders still love retail, bankruptcies and all

    Asset-based loans are a safe and popular form of financing for lenders. But for distressed retailers it can be a "trap."

    Ben Unglesbee • March 09, 2020
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    Yujin Kim

    Keeping the banking desert at bay in rural America

    As big banks concentrate their branches in cities, smaller financial institutions and digital companies find ways to irrigate in abandoned markets.

    Anna Hrushka • Feb. 18, 2020
  • HSBC whistleblower says Iran sanctions could bring AML into sharper focus

    "The laws that are about to come out of this ... are going to be unreal," says a private intelligence specialist whose alerts to the CIA nearly a decade ago resulted in a record fine.

    Anna Hrushka • Jan. 21, 2020
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    Wikimedia Commons

    In fintech partnerships, should banks' brands be out front or in background?

    Banks that stay behind the scenes risk being relegated to a commodity. But fintechs that take the lead may be looking for something more.

    Anna Hrushka • Nov. 22, 2019
  • 2020 election: Where the candidates stand on banking

    Biden running mate Sen. Kamala Harris introduced a bill to give states the authority to enforce their laws against nationally chartered banks. She also negotiated with banks to compensate homeowners after the 2007-08 crisis.

    Banking Dive staff • July 25, 2019