Competitive Product Research

How Fintech Lenders Are Changing the Student Debt Business .
By Chad Watkins and Mavel Vargas 10 Sep 2018 .

With a market that’s approaching $1.5 trillion and growing, it’s no wonder that the student loan business is attracting the attention of Fintech lenders. There is massive opportunity in student lending.

• Topic Changing Rate Environment Fintech .
• Market Research Solutions, Competitive Banking Product Research.
• Preparing for the Rising Rate Environment.

By Ray Montague and Sue Hines 29 Aug 2018.


Financial institution executives are preparing now, arming themselves with practical strategies to help succeed in a rising rate environment. After a long, slow thaw, the financial industry is finally entering the rising interest rate environment that has been expected for a while. After such a long period, many executives find themselves ill-prepared for what is to come and some are speculating about how consumer behavior will differ from past rising rate environments.

• Topic Changing Rate Environment .
• Competitive Product Banking Research .
• Navigating a Rising Rate Environment Podcast: Part #6 .

By Paul Needels and Ray Montague of Informa Financial Intelligence 26 Aug 2018 .

Part #6 - Tech Engagement, Fintech, and Digital Customer Journeys The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #6, in a series of seven, is a discussion of tech engagement, fintech players and issues, and digital channel customer journeys in this rising rate environment.

• Topic Changing Rate Environment .
• Competitive Banking Product Research .
• Navigating a Rising Rate Environment Podcast: Part #5 .

By Paul Needels and Ray Montague of Informa Financial Intelligence 26 Aug 2018 .

Part #5 - Competitive Advantage and Your Customers' Behavior The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #5, in a series of seven, is a discussion of strategies for recognizing your competitive advantage and exploring likely customers' behaviors in this rising rate environment.

• Topic Changing Rate Environment.
• Competitive Banking Product Research.
• Navigating a Rising Rate Environment Podcast: Part #7.

By Paul Needels and Ray Montague off Informa Financial Intelligence 26 Aug 2018 .

Part #7 - Wrap-up and Review The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #7, in a series of seven, is a wrap-up of this topic, a review of the concepts discussed in this series, and advice for preparing to navigate this rising rate environment.

• Topic Changing Rate Environment.
• Market Research Solutions, Competitive Banking Product Research.
• Why Financial Institutions Are Refocusing on Relationship Banking.

By Chad Watkins 21 Aug 2018 .

Banks have always known the value of building a long-term relationship with their customers. As legacy banks face growing competition for Fintech startups, however, relationship banking has grown even more important.

• Topic Changing Rate Environment Fintech.
• Market Research Solutions, Competitive Banking Product Research.
• Want to See the Future of Digital Banking? Look to Europe.

By Chad Watkins 15 Aug 2018 .

Digital product managers at financial institutions have to keep a close eye on what’s coming from their competitors. But if they really want to get ahead of the curve, they should be looking a little farther afield.

• Topic Changing Rate Environment Fintech.
• Competitive Banking Product Research.
• Navigating a Rising Rate Environment Podcast: Part #4.

By Paul Needels and Ray Montague of Informa Financial Intelligence 14 Aug 2018 .

Part #4 - Loan Products - Profitability and Risk-Based Pricing The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #4, in a series of seven, is a discussion of what is happening in lending and what strategies for profitability and risk-based pricing should be considered for this rising rate environment.

• Topic Changing Rate Environment.
• Competitive Banking Product Research.
• Navigating a Rising Rate Environment Podcast: Part #3.

By Paul Needels and Ray Montague of Informa Financial Intelligence 14 Aug 2018.

Part #3 - Strategies for Deposit Products The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #3, in a series of seven, is a discussion of what is happening already with deposit products and what strategies for creating and promoting deposit products can be designed for the rising rate environment.

• Topic Changing Rate Environment.
• Competitive Banking Product Research.
• Navigating a Rising Rate Environment Podcast: Part #2.

By Paul Needels and Ray Montague of Informa Financial Intelligence 09 Aug 2018 .

Part #2 - Consumer Sentiments and Keys to Success The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #2, in a series of seven, is a discussion of consumer sentiments and understanding the keys to success in this rising rate environment.

• Topic Changing Rate Environment.
• Competitive Banking Product Research.
• Navigating a Rising Rate Environment Podcast: Part #1.

By Paul Needels and Ray Montague of Informa Financial Intelligence 09 Aug 2018 .

Part #1 - Introductions and Topic Overview The rising rate environment is here and financial institution executives are arming themselves with practical strategies to help succeed. What has changed since the last time? Online banking existed, but wasn’t fully accepted by consumers, mobile banking hadn’t taken hold, and consumer banking behavior was substantially different. Paul Needels and Ray Montague of Informa Financial Intelligence present a series of podcasts taken from their presentation to the Federal Home Loan Bank of Chicago. Podcast part #1, in a series of seven, is an introduction and overview of the topic, the rising rate environment.

• Topic Changing Rate Environment.
• Market Research Solutions, Competitive Product Research, Map.
• Looking into the future: Personal Finance Management tools (PFMs).

By Chad Watkins, Director of Market Intelligence and Chris Ward, Lead Analyst at Informa Financial Intelligence 30 Jul 2018 .

Chad Watkins, Director of Market Intelligence at Informa Financial Intelligence, and Chris Ward, Lead Analyst at Informa Financial Intelligence in the U.K and Europe, continue their discussion of European financial services digital features and functionality trends that are likely to appear in the U.S. This podcast discusses personal finance management (PFM) tools including encouraging savings, spending categorization, budgeting tools, account aggregation, gamification, and peer behavior comparison. Podcast #3 in an ongoing series.

• Topic FinTech.
• Market Research Solutions, Competitive Product Research, Map.
• Looking into the future: Card control trends.

By Chad Watkins, Director of Market Intelligence and Chris Ward, Lead Analyst at Informa Financial Intelligence 12 Jul 2018 .

Chad Watkins, Director of Market Intelligence at Informa Financial Intelligence, and Chris Ward, Lead Analyst at Informa Financial Intelligence in the U.K and Europe, continue their discussion of European financial services digital features and functionality trends that are likely to appear in the U.S. This podcast discusses card control trends, including card freezing, spending behavior tracking, virtual cards, tokenization, and temporary cards. Podcast #2 in an ongoing series.

• Topic Fintech.
• Market Research Solutions, Competitive Banking Product Research.
• Fintech Lenders: Growing Their Market Share at Your Expense.

By Chad Watkins 10 Jul 2018.

Since bursting onto the scene a few years ago, Fintech lenders have gained market share so quickly that many banks and credit unions are still struggling to adjust to an industry that has quickly transformed itself to consumers.

• Topic FinTech New Features Industry News.
• Market Research Solutions, Competitive Banking Product Research.
• I Want to Be Popular!

By Chad Watkins and Sue Hines 29 Jun 2018.

Everyone wants to become popular, so what will it take for termed certificate of deposit accounts to become popular again? Over the last two years the Federal Reserve has raised its target rate by 150 basis points, and it plans on making the same increase over the next two years. Because of this, the long-term savings rates offered by financial institutions have been going up, slowly, but going up nonetheless.