A Call to Action for Mid-Sized and Community Banks
The branch counter is no longer the center of gravity in retail banking. Customers open accounts on smartphones during their commute. Non-banks slip into payments, lending, and advice. Meanwhile regulation tightens and margins thin. If you lead a bank with assets under $100 billion, you have a brief window to reinvent before bigger, faster rivals rewrite the rules.
Consider the customer who selects a mortgage while riding to work, or the small-business owner who expects a credit decision before the coffee order is ready. These scenarios are happening now and are reshaping what “good” looks like in financial services.
Our new white paper, Retail Bank of the Future: The Mid-Sized and Community Banks Path to Tomorrow, distills months of research into a concise game plan. It shows why only 30 percent of mid-tier institutions are growing profitably with returns on equity above 14 percent, while the remaining 70 percent struggle to keep pace.
Inside you will see how shifting customer expectations, fintech disintermediation, escalating cyber risk, and regulatory overhang form a burning platform that demands decisive change. Yet the paper is not another doom-and-gloom forecast. It presents a pragmatic vision of the Bank of the Future and the five strategic levers every leadership team can pull today to regain momentum.
Read the paper to discover:
- The one metric CEOs must track to confirm digital investments are paying off
- A proven five-step Examine Evaluate Execute Establish Encore roadmap that turns strategy into measurable results
- How to turn branches into revenue-generating community hubs instead of cost centers
- Where AI, APIs, and embedded finance create immediate growth opportunities without ballooning capital spend
These insights come from practitioners who have redesigned bank operating models on three continents, not from academics or software vendors. The pages are packed with case examples, benchmarks, and checklists you can use in your next board meeting. What you will not find are buzzwords or technology for technology’s sake, only moves that drive customer loyalty and margin expansion.
The future will not wait. Download the white paper now and give your team the clarity, structure, and confidence to thrive in the next era of banking.
Tag/s:Business TransformationDigital DisruptionFinanceInnovationResearch
