In this episode of the "Branching Out" podcast, host Bill Dworsky welcomes Nathan Stovall, Director of Financial Institutions Research at S&P Global, to discuss the latest trends shaping retail banking. Nathan explains how new data-driven deposit rankings highlight the success of tech-savvy, digitally focused banks—particularly those excelling in commercial banking—which are both outperforming their peers and drawing acquisition interest. Together, Bill and Nathan examine the value of building customer relationships through bundled products and enhanced experiences, rather than relying solely on high deposit rates. They also explore the changing role of physical branches, which are evolving beyond simple transaction centers. For further insights on current developments in loan growth, consumer credit trends, and the increasing momentum of M&A activity in the sector, check out the latest episode of "Branching Out".

In Season 2, Episode 5 of "Branching Out", host Bill Dworsky meets with Carolina Ko, a business banking executive at Bank of America, for a conversation on the evolving landscape of business banking and the opportunities it presents within retail and beyond. Carolina shares insights into her role as the business banking market executive for the Charlotte and Triad markets in North Carolina, where she leads a team dedicated to supporting business clients ranging from startups to companies with up to $50 million in revenue. The discussion highlights how her team helps these businesses grow by providing access to capital and tailored financial solutions. Throughout the episode, Bill and Carolina discuss the importance of community engagement, the unique challenges faced by business clients, and the ways in which business banking is expanding its impact beyond traditional branch services.

In this episode of Branching Out, host Bill Dworsky and guests Ramya Murali and Deirdre O'Connell explore retail banking customer loyalty. Ramya defines loyalty as a mutually beneficial relationship, while Deirdre emphasizes formal programs ("big L" loyalty) and broader engagement ("little L" loyalty). Insights from a consumer loyalty survey highlight the importance of exclusive partner experiences and Gen Z's preferences, and how this generation is shaping the future of loyalty programs. The discussion underscores the need for agile, personalized loyalty programs and the role of partnerships in extending brand relationships. Effective execution requires cross-functional alignment and clear communication of value. The conversation also addresses the complexity of executing loyalty programs, requiring cross-functional alignment and the role of employees as brand ambassadors.

Consumers are quickly wising up to the fact that they don't necessarily need a brick-and-mortar retail bank. Discover how fintech organizations and traditional banks are identifying innovative approaches to distinguish themselves while continuing to collaborate effectively.

Greg Murray sits down with hosts Kristin Korzekwa and Bill Dworsky to discuss how banks can expand on their business strategy to find success in the future of transaction banking.

Dave Wasik, Partner at 2nd Order Solutions, joins our hosts, Kristin Korzekwa and Bill Dworsky to discuss credit risk, loans, advancing customer experiences, and more. In 2024, we already see trends of struggle within credit for students, along with homeowners as well and this is due to elevated interest rates that slow traditional processes. Importance of advanced analytics and digital collections have also been important in the credit space in 2024, and banks should look to expand on strategy to be successful in these areas.

Michelle Gauchat, US head of banking and capital markets consulting at Deloitte, joins hosts Kristin Korzekwa and Bill Dworsky to discuss how 2023 has shaped retail banking strategy. Gauchat also talks about the importance of deposits and AI, challenges facing small businesses, and improving customer banking experiences. This episode explores retail banking trends, digital transformation in banking, and changes we can expect for payments and deposits in 2024.

Law Helie, General Manager of Consumer Banking at nCino, joins Deloitte's Kristin Korzekwa and Bill Dworsky to discuss consumer centered banking approaches. In this episode, we are provided with insights on how to provide more personalized customer experiences, especially when dealing with transactions such as consumer lending. Change management found when utilizing banking technologies have been driving business transformation in modern banking, and the new generation of AI capabilities will seemingly continue to enhance these experiences.

In this episode, Kristin and Bill are joined by Paul Dilda, Head of Deposits, Segments and Consumer Strategy for US P&BB at BMO Harris Bank to share insights on how to deliver enhanced customer experiences and helping customers achieve real financial progress.

In this episode, Kristin and Bill are joined by Emily Abbas, Chief Consumer Banking and Marketing Officer at Bankers Trust as they discuss new approaches for cultivating community through banking efforts and banking initiatives.