BAI

BAI’s latest Executive Report explores the biggest shifts shaping payment strategy today. From instant rails to Gen Z expectations, there’s a lot for bank and credit union leaders to navigate.

Inside this edition:
• FedNow vs. RTP What to know before choosing a network
• A real-time QR code payment between a credit union and a top 4 U.S. bank
• Why Gen Z isn’t killing cash, but they are killing inconvenience
• How Agentic AI could reshape commerce and customer expectations
• What your payments data isn’t telling you (yet)

This is a must-read for anyone shaping payments, strategy, or customer experience in financial services.

Read the full report here: https://bit.ly/4kX8LY3

Keeping pace with the payments evolution In our July BAI Executive Report: Keeping pace with the payments evolution, we hear from banking thought leaders who examine the consumer habits urging ever faster adoption of the new ways we all transact daily.

In today’s deposit environment, customers expect more than competitive interest rates, they want transparency, digital ease, and personalized value.

A new special report explores how banks can grow and retain quality deposits through smarter onboarding, data-driven strategy, and product innovation.

With insights from industry leaders at MANTL, Citizens Bank, American Express, and more, the report covers tactics like location-based offers, gamified CDs, and omnichannel engagement, plus a look at how deposit trends are continuing to shift in 2025.

Download “Quality Deposit Growth and Customer Retention. https://info.bai.org/quality-deposit-growth-and-customer-retention.html

The report features the following thought leaders:
Tom Hoscheidt, ProSight Financial Association
Nathaniel Harley, MANTL
Corey Timlin, American Express
Pat Nuzzo, Citizens

Quality deposit growth and customer retention Drawing and keeping deposit customers should always be about more than just interest rates. And since the “hot money” chase has cooled, even customers may agree.