Lending

Lending

Research study
borrowing-from-experience
September 1, 2020
Greg Ulankiewicz
Price: 
$1,500.00

Borrowing From Experience: Building a Better Loan Process examines the loan application process through the lens of the borrower.

Research study
March 18, 2020
Greg Ulankiewicz
Price: 
$750.00

Lending Insights: The Future is Now examines the landscape of lending in the 2020s, and beyond.

Research study
May 6, 2019
Andrew Vahrenkamp
Price: 
$1,500.00

Building a Better Product: Tradeoffs in Designing for Consumer Preferences, explores the product features that consumers prefer when evaluating key banking products.

Financial institutions often compare their product suite to their competitors, to understand how they fit on the supply side of the market. This 36-page study examines the demand side: when faced with a tradeoff – rate vs rewards, convenience vs no minimum balance – which attributes actually move the needle for consumers?

Research study
March 6, 2019
Marcus Rothaar
Price: 
$750.00

Small Business Insights: Looking for Easier Banking, investigates the changing behavior and expectations of small businesses to help financial institutions effectively attract and retain this key segment.

Research study
January 30, 2019
Greg Ulankiewicz
Price: 
$750.00

While rising rates have inspired depositors, borrowing demand has begun to slip from post-recession highs in 2017.  Financial institutions can still find lending opportunities, especially from Millennials in their prime borrowing years. This 31-page study examines how banks and credit unions can maintain lending growth and gives strategic and tactical recommendations to acquire loans despite the rate environment.

Research study
October 29, 2018
Andrew Vahrenkamp
Price: 
$1,500.00

Self-Drive My Car: Buying and Financing in an Uber World, investigates how changing technology will impact consumer behavior for buying and financing cars and what those changes mean for financial institutions.

Auto financing is a critical part of many financial institutions’ lending business, yet long-term trends in technology and consumer behavior will continue to decrease demand for new purchases, while competition only increases. 

Research study
March 28, 2018
Andrew Vahrenkamp
Price: 
$250.00

Access to loans for education has allowed a generation of students to achieve a higher level of education than any generation in history. Yet those same loans have stifled that generation’s perceived ability to move forward in life.

Research study
February 26, 2018
Lynne Cornelison
Price: 
$1,500.00

Today’s Hispanic/Latino population is the largest minority population in the United States. Hispanic origin individuals account for almost one out of every five individuals in the United States. As the U.S. continues to become more racially and ethnically diverse, financial institutions need to recognize that the Hispanic/Latino population is not homogeneous.

Research study
February 5, 2018
Greg Ulankiewicz
Price: 
$750.00

As the nation continues to recover from the recession of 2006–2009, the demand for loans has started to increase, though the landscape has changed a bit. The types of loans consumers anticipate using is shifting from cars and mortgage refinance – both of which dominated during the recovery – to credit cards, equities and purchase mortgages. And while consumers’ desire and ability to borrow is increasing, factors such as an uneven housing recovery and student loan debt may lessen their actual capacity to borrow.

Research study
September 14, 2017
Andrew Vahrenkamp
Price: 
$1,500.00

Regulatory, technological, and cultural forces have united to drive overdraft income downwards. Many financial institutions have relied on this fee income to bolster their revenues or to allow them to offer free checking and other products for the mass market. With that fee source drying up, many institutions are asking whether they can serve the mass market at all.

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