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Recent Analyst's Journal Articles:

Nov

15

2017

Analyst's Journal

Bank of America, Capital One, Chase, PNC, U.S. Bank & Wells Fargo Launch Face ID for Small Business Mobile Banking

By Youa Yang

When biometric authentication came to the masses, it was a game changer for how both consumers and businesses authenticate themselves to use mobile banking. Earlier this month, the game was changed yet again as Apple’s iPhone X was made available allowing users to use Face ID for mobile banking. Face ID, as described on the Apple website, lets users securely unlock their iPhone X, authenticate purchases, sign in to apps, and more—with just a...

Nov

7

2017

Analyst's Journal

When a Middle Market Company Is Attempting to Grow, They Were More Susceptible to Bank Changes

By Emily Anderson

Barlow Research currently tracks five different self-identified business life stages every quarter in our middle market syndicated study: development, growth, attempting growth, maturity and decline. According to Barlow Research’s most recent rolling four-quarter data (4Q16-3Q17), 10% of middle market companies ($10MM-<$500MM in annual sales) consider themselves in an attempting growth phase. When a company is in this life stage, we see their needs shift and become different than those in a growth...

Nov

1

2017

Analyst's Journal

Agriculture: A Small but Profitable Industry for Small Business Banking

By Dustin Greelis-VanLaningham

Small Business banking customers represent many different industries and each industry has different business banking behaviors. Understanding these differences can help bankers cater to the specific needs of those in each industry. While it might be easier to focus on the needs of the larger industries, some of the smaller industries may be profitable as well. Agriculture is one of those smaller industries. According to Barlow Research’s most recent eight-quarter data, the agriculture industry...

Oct

25

2017

Analyst's Journal

Barlow Research’s Five Business Segments Differ Significantly by Demographics and in Channel and Product Usage

By Sandy Hanson

Effective segmentation is critical to ensure we are meeting the needs of our diverse customer bases in the most efficient and cost-effective manner. There’s no one correct way to segment customers. One method of customer segmentation might prove more effective than another depending on your sales strategies, products offered and staff availability. A very common method of segmentation is to use demographics. With demographics, you can group your customers based on sales size, number...

Oct

18

2017

Analyst's Journal

PNC Enhances the Mobile User Experience with a Newly Designed Mobile Banking App

By Adam Johnson

In today’s business banking environment, the importance of mobile banking functionality is more important than ever before. More and more business customers are looking to their mobile devices as the fastest and most convenient channel for completing banking tasks. In response to growing adoption, we’ve seen financial institutions respond to growing demand by not only introducing new functionality to their business banking apps, but also focusing on improvements to the quality of the user experience...

Oct

11

2017

Analyst's Journal

Royal Bank of Canada and ATB Financial Launch Innovative Solutions

By Donna Arce

The banking industry is ripe for transformation. Digital functionality affords us the opportunity to not only improve service and streamline costs; it affords us the opportunity to create unique customer experiences that once were not possible. The devil is in the details. Well thought-out solutions will remove friction in the customer journey and enhance the customer experience. Poorly executed solutions can add customer frustration and in the worst possible situation, it can hinder their...

Oct

4

2017

Analyst's Journal

Company Ownership Transition: It’s Not Business, It’s Personal

By Linda O'Connell

With small business owners growing older and a high percentage of founders still running their own companies, it is not surprising to see expanded plans to transition ownership on the horizon. What impact will this pivotal signature event have on the company’s banking relationship? Without some active attention to and participation in this transition, banks could be missing out in the most dynamic change projected for the future landscape of business banking. The age of...

Sep

27

2017

Analyst's Journal

Middle Market Companies in the Third Quarter: Optimists, Spenders, Borrowers

By Joel Mueller

While middle market (annual sales revenue of $10MM-<$500MM) expectations about the U.S. economy have fluctuated greatly over the past year, increasing confidence in their own financial condition appears to go hand-in-hand with more demand for additional credit. Middle market companies have remained consistently optimistic about their overall financial condition since the recession (see graph below). While confidence has been high, there has also been signs of uncertainty among financial decision makers in...

Sep

20

2017

Analyst's Journal

Small Businesses Attempting Growth Were Least Satisfied with Primary Bank

By Emily Cade

Barlow Research collects a variety of demographic information each quarter using 13 important questions, one of which asks about the current life stage of the company. Each stage (development, growth, attempting growth, maturity and decline) has its own characteristics and banking needs. Interestingly, data from the most recent 2Q2017 rolling four quarter data revealed that small businesses ($100K-<$10MM in sales) in the attempting growth stage were least likely to be very satisfied with their...

Sep

13

2017

Analyst's Journal

Bank of America Transforms Mobile Lending for Small Businesses

By Youa Yang

Every year, Barlow Research conducts a thorough review of current mobile banking features for small businesses (companies with $100K-<$10MM in annual sales) from 15 top financial institutions in the U.S. We then capture these new features and pose them via questionnaire to digital banking users in order to understand the importance of each feature being offered. Over the last few years, we’ve noticed the trend of continued building in the mobile channel. When mobile...

 

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