Deep Dive

Industry insights from our journalists

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    Piranka via Getty Images
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    Making the case for women-owned banks

    Three women-owned banks have emerged in the last several years with the shared goal of increasing access to capital for female entrepreneurs.

    Anna Hrushka • Nov. 13, 2023
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    Anna Moneymaker via Getty Images
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    CRA revision spurs predictable reactions, several Bowman objections

    Tuesday's update to the anti-redlining law brought no shortage of thoughts from the Fed's most vocal conservative, but other criticism appeared relatively muted.

    Dan Ennis • Oct. 25, 2023
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    JPMorgan Chase
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    Can JPMorgan Chase fill the startup banking void?

    The New York City-based firm added close to 200 bankers to its division that serves startups and VC-backed businesses this year as it looks to fill a space vacated by Silicon Valley Bank.

    Anna Hrushka • Oct. 17, 2023
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    Kendall Davis/HR Dive
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    Cannabis-friendly banks face pressure to differentiate

    Banks have used risk-based pricing and non-interest bearing accounts to justify the high cost and labor associated with banking the sector. But as more players enter the game, firms are feeling the pressure to rethink their strategies.

    Anna Hrushka • Sept. 26, 2023
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    Michael M. Santiago/ via Getty Images
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    Goldman’s strategy retreat leaves GreenSky in limbo

    The installment-lending fintech, which Goldman is looking to sell, faces an uncertain future as the investment bank distances itself from an ambitious retail strategy.

    Anna Hrushka • Sept. 7, 2023
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    jariyawat thinsandee via Getty Images
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    Payments fraud climbs as banks reach for joint response

    Financial institutions and payments players are seeking to coalesce around new efforts to battle skyrocketing payments fraud.

    Lynne Marek • May 26, 2023
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    Photo illustration: Shaun Lucas/Industry Dive; Getty Images; Paze

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    EWS readies Paze to help banks take on digital wallet market

    Even with the backing of the nation’s largest banks, the platform, set for a June launch, will face adoption and security hurdles, industry experts say.

    Anna Hrushka • April 3, 2023
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    Justin Sullivan via Getty Images
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    ‘Meme stock in reverse’: SVB collapse portends new era of viral bank runs

    SVB’s demise gave the banking sector a glimpse into how social media and digital banking can turn a financial institution from operational to insolvent in a matter of hours.

    Anna Hrushka • March 15, 2023
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    Dan Kitwood / Staff via Getty Images
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    The crypto world is sending mixed signals

    Nearly 2,000 crypto workers have been laid off in 2023, but the value of Bitcoin climbed enough in January for Goldman Sachs to take note.

    Gabrielle Saulsbery • Jan. 27, 2023
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    "BlackRock hq51 jeh.JPG" by Jim.henderson is licensed under CC BY-SA 3.0
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    ESG debate escalates as GOP goes after influencers

    Twenty-one Republican attorneys general argue proxy advisers ISS and Glass Lewis' shareholder voting recommendations on climate policy and board diversity violate their duty to investors.

    Dan Ennis • Jan. 19, 2023
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    Permission granted by Fiserv
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    Investors press FIS, Fiserv for divestitures

    The big processors mushroomed in 2019 acquisitions, with promises that scale would pay off, but shareholders now urge them to consider divestitures.

    Lynne Marek and Caitlin Mullen • Dec. 22, 2022
  • The curved banner of a Walmart store, the brand name in white letters and the characteristic yellow sunburst logo to the right, against a blue sky.
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    Daphne Howland/Banking Dive
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    How deep of a banking threat is Walmart’s One?

    The retailer has scale, brand recognition and a pedigree in an ex-Marcus CEO. The proof may come when the company turns its beta test loose on customers.

    Anna Hrushka • Nov. 16, 2022
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    ipopba via Getty Images
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    Banking-as-a-service grows as regulators play catch-up

    The BaaS space is expected to reach $74.55 billion by 2030, and has emerged as an enticing revenue stream for community banks. Meanwhile, the OCC has hinted more regulation is forthcoming.

    Anna Hrushka • Oct. 25, 2022
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    Andy Fox
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    How automation can help banks tame the home-lending ‘roller coaster’

    The cyclical nature of the market doesn’t mean lenders should be forced to respond with mass hiring or firing as demand for mortgages ebbs and flows, analysts say.

    Anna Hrushka • Aug. 26, 2022
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    abdoudz via Getty Images
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    FedNow chases real-time payments front-runners

    The Federal Reserve plans to unleash a U.S. real-time payments system next year in the form of FedNow, but it’s an open question as to whether, or how, consumers and businesses will adopt instant payments.

    Lynne Marek • July 18, 2022
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    Permission granted by Quontic Bank
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    Banks eye first-mover advantage to embracing the metaverse

    Banks are carving out their own spaces in the metaverse, a virtual world estimated to represent a $1 trillion market opportunity.

    Anna Hrushka • June 2, 2022
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    "Paycheck Protection Program and Reminder Note" by Marco Verch is licensed under CC BY 2.0
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    PPP 2 years later: Analyzing the legacy and impact of the $800B government relief program

    Lenders and banking industry experts reflect on the lessons learned from the government's small-business rescue program, and what lies ahead for its participants.

    Anna Hrushka • May 4, 2022
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    Alex Wong via Getty Images
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    US banks brace for stricter sanctions against Russia

    The Russian banks the U.S. targeted Tuesday account for only 5% of the country's total bank assets.

    Robin Bradley • Feb. 24, 2022
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    Dan Kitwood/Getty Images News via Getty Images
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    Banks, fintechs navigate market's appetite for crypto amid pending regulatory guidance

    From Bitcoin rewards to custody services for digital assets, banks and fintechs are carving out strategies and services tied to crypto as regulators seek to catch up with guidance.

    Anna Hrushka • Nov. 22, 2021
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    Michael Nagle via Getty Images
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    5 insights on how Morgan Health aims to move the needle on employer health costs

    Morgan Health learned a lot from Haven, but is a different beast with a better knowledge of the buy-in needed to disrupt the health benefits space, CEO Dan Mendelson told Industry Dive.

    Rebecca Pifer • Oct. 7, 2021
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    Mark Wilson via Getty Images
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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
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    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
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    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
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    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 4, 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 2, 2021