Community banks and credit unions face rising delinquencies, margin pressure, and a disconnect with young consumers. As M&As accelerate, institutions must modernize tech and retain local trust to survive.

Sixty percent of current and prospective homeowners are unsure whether it’s a good time to buy a home—the highest uncertainty in three years, per Bank of America’s report. Meanwhile, 75% of prospective buyers are waiting for mortgage rates to drop, up from 62% in 2023. Younger generations, especially Gen Z and millennials, are delaying homeownership, with ownership rates flatlining. Stagnant rental prices and economic uncertainty add to the hesitation. Lenders must modernize offerings, streamline processes, and explore alternative financing like crypto and peer-to-peer loans to convert hesitant buyers when the market improves.

The Latin American consumer banking market is vast, yet over 40% of consumers are currently underbanked. Foreign banks looking to enter the market can tap this audience, but they should learn from and partner with local fintechs to do so.

Learn which mortgage lending market disruptors financial institutions should prepare for—and possibly leverage to attract more customers—in 2025.

The service advances Block’s goal of “banking our base” and could drive Cash App adoption.

We explore how banks can best leverage popular platforms to reach potential customers.

As competition for low-risk prospects heats up, cash-back credit card issuers must understand what features sway key demographics to sign up for a card. No annual fee, introductory rates, and rewards are central.

Community banks and credit unions were marked safe from the recent US regional bank collapses. But they’re still contending with unprecedented interest rates, an aging customer base, and disappointing core banking technology.

Young consumers want faster, easier access to funds than traditional lending options currently offer.

Financial institutions are vying with nonbanks for customers in a sluggish lending market. Updating their marketing, lending, and product strategies can help attract and keep customers, slowing the outflow to nonbank lenders.

Customers want more transparency in banks’ lending decision-making processes and more control over the data that factors into them.

To comply with global banking rules set by the Basel Committee, some banks may need to up their reserves by 20%.

The card network launched an account owner verification tool in Europe and partnered with Algoan to boost financial inclusion

Monzo and Chip claim profitability, but UK conditions make their future outlook uncertain.