Future Digital Finance 2025 Blog

Here’s Why Pentagon Credit Union (PenFed) is Turning to AI for Hyper-Personalization

Explore how Pentagon Credit Union (PenFed) uses AI for hyper-personalization, enhancing member engagement, and revolutionizing banking.

Bank of America’s Erica AI Surpassed 1.5 Billion Client Interactions: Here’s What That Means for the Future of AI in Banking

Explore how Bank of America's AI assistant, Erica, is revolutionizing the banking sector with its blend of digital convenience and human interaction.

Here’s How the Lab at MSUFCU is Driving Innovation

Explore how The Lab at MSUFCU cultivates innovation in finance, forging groundbreaking services and products for a new era of banking.

How Banks Can Capitalize on Artificial Intelligence Advancements

Explore how AI is transforming banking through streamlined decision-making, enhanced customer service, and new types of services.

Addressing Changing Customer Expectations for Payments

Explore how banks and credit unions can adapt to changing customer expectations in the digital payments landscape and stay competitive with fintechs.

How Traditional Financial Institutions Can Adapt to Fintech Disruption

Explore how traditional banks can adapt to fintech disruption, secure their customer base, and prepare for the digital future of banking.

The Amazon Effect & What it Means for Retailers

Amazon looms over smaller businesses as a major competitor. Find out how you can leverage analytics, data visualization & more to survive in this ecosystem.

Logistics Cost Reduction Strategies For Retailers & D2C

Is your organization spending excessively on operations? Learn how you can minimize transportation, logistics, last-mile delivery, and recurring costs.

How Customer Expectations are Driving Digital Change

Digital transformation has been a significant part of this industry for some time now with financial brands constantly searching for innovative ways to augment their customer experience with the latest developments in technology.

Finance and Personalization – Benefits and Challenges

Research has been telling us for some time now that customers are more likely to gravitate towards a company which is able to offer some level of personalized service and will tend to rapidly lose interest in those which fail to. Not only this, but brands which offer a personalized experience can get away with charging more as customers are willing to pay a little extra if the offering is tailored to them.

Financial Health and Wellbeing: A New Frontier for the Sector

People all over the world are having a tough time of it financially right now. Skyrocketing energy prices and the rising cost of living mean those without historical wealth are going to find the next few years incredibly difficult to navigate.

Making Sure Your Marketing Is Multigenerational

Each generation is at a different stage of their lives and each of those stages comes with a completely distinct set of financial challenges, wants, and needs. Therefore, any attempt to market financial services to people needs to take these generational differences into account and make sure messaging is tuned to each.

Fighting the Talent Crisis in the Financial Sector

37% of financial advisors surveyed have said they are offering flexible working condition to help meet the expectations of the post-pandemic worker. Since working from home became so popular during the COVID crisis, many people have expressed an interest in continuing the practice even now the danger has largely passed. In fact, many people have even gone on the record and said they would look for a new job if their current employer refused to allow working from home.

Cryptocurrency and the Metaverse: FUD Over Fiction

If you live on an unfiltered diet of Twitter and the hype of Silicone Valley and other so-called "techbros,” you might be forgiven for thinking we are on the cusp of an internet revolution, a glorious future where virtual worlds will be ours to explore, and money will be algorithmic and hosted entirely on the blockchain.

Here's How Citi is Winning at Digital Transformation in the U.S. and Abroad

Digital transformation is still the number one buzzword in financial circles and more and more brands in the space are searching for innovative methods of better serving their audiences online. It is only natural then that our attention must eventually turn to some of the biggest players in the business and see what interesting plays they are bringing to the digital transformation game.

Here's How TD Bank is Topping the Canadian Banking Charts

Banks have certainly been facing an existential challenge in recent years, as the drive towards digital has left brick-and-mortar branches being shuttered at an alarming rate. Banking brands with a desire to succeed have therefore been pouring resources into their digital offerings in an effort to stand out from the crowd. Canada based Toronto-Dominion (TD) Bank has been one such brand, and has been making serious digital waves, both in North America and the USA.

Goldman Sachs is Going Global with Digital Payments and Investments

To compete in the digital world, financial brands need to think globally and try and discover ways to make their services available to people wherever they are and whatever they are doing. As one of the world's most well-known financial brands, New York City based multinational investment bank and financial services provider, Goldman Sachs understands the needs of the contemporary customer all too well and has recently been making serious developments in its digital offering to meet those desires head on.

Here's How BNY Mellon is Embracing the Investment Potential of Digital Assets

Ever since the cryptocurrency Bitcoin was thrust onto the scene back in 2008 by the enigmatic person or group known only as Satoshi Nakamoto, digital assets have been a hot topic in the investment space. And, as one of the biggest players in the investment game, BNY Mellon is also coming around and taking digital assets seriously as an investment opportunity.

First Commonwealth Federal Credit Union Puts Business First

While digital innovation in B2C banking is evolving and accelerating at a sometimes-alarming pace, the reverse is true of its B2B peer. First Commonwealth Federal Credit Union is introducing new innovations to address this disparity and bring B2B banking's customer experience more in line with B2C.

Here's How Mission Lane Is Recruiting and Acquiring for Success

There used to be a time where credit cards were seen as an indicator of affluence and prosperity, and only the well-off and those with an unblemished credit history would be considered for one. However, for those people with a slightly less than perfect credit rating there are still plenty of options available, with a whole generation of credit card providers having sprung up with a mission to serve them.

Here's How Customers Bank Is Betting Big on B2B Blockchain

Blockchain has been indirectly making headlines for some time now. Naturally, this means blockchain is finding its way into many different industries, from logistics to retail. However, it seems that blockchain is still most at home in finance, where it provides new ways for payments to be facilitated as per its original intention.

How M&T Bank Is Driving Digital and Bridging the Skills Gap

Digital transformation has been rocking the world of banking for some time now as customers carry out more and more of their financial interactions online.

Keeping the "Human Factor" Alive

By: Jim McKeown, Vice President, Customer Experience & Mobility, Selective Insurance Company of America

With the explosion of digital customer experiences and interactions over the last ten years, we have seen a massive decline in human-to-human customer experiences. Sure, we can get answers from automated phone systems, email for all conversations, or "chat" on websites and mobile apps. But even when chatbots or other automated vehicles deliver the answers, technology tools can inhibit the development of an invaluable personal connection.

Greenlight Financial Steps Up to Tackle the Financial Literacy Crisis

The Atlanta-based fintech has announced a new kind of debit card, designed to help a unique demographic learn to manage their money.

Here's How US Bank Is Moving Beyond Digital DIY

US Bank is linking Talech's POS system with its commercial banking service to offer its customers actionable insights backed by real-time data.

Wells Fargo Puts Payments at the Front of its Banking App with Innovative New Feature

Wells Fargo is reimagining the mobile banking experience with a new feature to its mobile app called "Pay with Wells Fargo". The feature will make it easier for the bank's 22 million mobile app users to digitally manage their accounts and make payments on-the-go using just their smartphones and other mobile devices.

One Million People Are Now Using Erica - BofA's AI-Powered Chatbot

Meet Erica - Bank of America's new virtual financial assistant. Billed as the first widely-available virtual assistant in financial services, in essence, she is a chatbot, now available for free within the BofA mobile app to the bank's 25 million mobile customers.

TD Bank Is Winning at Social Media Marketing with Its #TDThanksYou Customer Appreciation Campaign

TD Bank has a track record for showing appreciation to its customers. For this year's #TDThanksYou campaign, the bank decided to focus not just on the people, but on the work that they do to improve their communities

Here's How Citigroup is Banking on Global Success with Digital Technology

With innovations such as these covering a worldwide scope, it's clear Citigroup isn't taking a back seat when it comes to embracing digital technology.

Here's How Vanguard is Helping to Turn Acorns into Oaks for Gen Z Investors

In offering up its portfolio for Acorns' users, Vanguard is helping remove elitism from the world of stocks and shares, and open it up to the investors of the future.

Here's How HSBC is Using Artificial Intelligence to Take Money Launderers to the Cleaners

The sophisticated AI technology can spot patterns and inconsistencies which would be impossible for manual checks to detect.

Here's How Wells Fargo is Ponying Up for its Digital Transformation

Capital One isn't just thinking about how technology is used to augment the customer experience, but also how they can remain sensitive to societal progression at the same time.

Using Data Driven Performance Marketing For Financial Services

Data driven marketing metrics for financial services, affiliates, and customers.

Here's How Vanguard is Helping to Turn Acorns into Oaks for Gen Z Investors

Vanguard has been keen to partner with tech startup Acorns, and play the role of investment managers for their exciting new project.

How CIBC Is Winning the Mobile Banking Competition

CIBC is at the very forefront of digital and mobile innovation in banking and the efforts have not gone unnoticed.

How RBC Is Using Video and Digital Advisory Tools to Bring Back Face-to-Face Interactions

High-quality, reliable, video banking services are an exceptional addition to RBC’s tailored approach to servicing its customers.

How US Bank Strives for “Single Channel Excellence” with “Multi-channel Consistency”

The future, as US Bank sees it, is not a digital-only banking world.

How TD Bank Is Tackling the Authentication Challenge for Omnichannel Banking

Providing an omnichannel banking experience is fast-becoming an imperative for financial institutions, rather than a luxury.

Considering the Challenges of Voice Integration and Security Implications in the Financial Services

Today, one of the tools that are making waves within the financial space is the ability to interact with a device to enable transactions, balance checks, or authorize other actions solely using voice recognition and spoken commands.

Providing the Right Service and Tools for Your Digital Customer

In today's financial environment, CX is a critical consideration. Proliferation of choice and flexibility thanks to online banking and financial apps means that brands have more competition than ever, and much of that competition is based on the premise of enhanced convenience.

Citi Bank Is Winning at Digital

An award-winning, digital-focused global leader in banking, CitiBank is expanding its digital offerings with new online and mobile app integration.

Here's How JP Morgan Chase Is Pushing Omnichannel

JP Morgan Chase abandons its digital-focused strategy to instead pursue an omnichannel one, investing equally in both physical and digital banking services.

Here's How Bank of America Is Betting on Digital

Bank of America's new digital debit card allows you to make secure transactions and manage finance on the go.

Radius Bank Goes Big on Fintech Partnerships

Radius Bank has partnered with FinTech providers and startups for various cutting-edge technologies that could transform the way digital banking services are offered.

Ally Financial Is Making Mortgages Digital and Playing Truth or Dare on Instagram

Ally Financial created a truly digital mortgage experience with Better.com and ran an Instagram campaign that opens previously-taboo discussions about money.

Here's How N26 Is Winning by Putting Profitability on the Back Burner

Devoted to its customers, digital bank N26 is coming to the US with a vision of delivering amazing banking experience via advanced feature offerings.

Why Customer Experience in the Financial Services World Cannot Afford to Ignore a Human-Centric Design Philosophy

Within our upcoming report from Future Digital Finance, we will be underlining the strategies that your peers are using to develop their own human centered experiences. This includes establishing strategies for attaching metrics to positive design choices, investments in supporting technology, and the articulation of a philosophy and framework for high CX achievement.