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Recent Analyst's Journal Articles:

Jul

17

2019

Analyst's Journal

The Time Is Now to Optimize How Digital and Physical Bank Channels Service Business Banking Customers

By Youa Yang

Digital business banking has reached the tipping point in the marketplace. Barlow data tells us very clearly that small businesses (annual sales of $100K-<$10MM) are comfortable interacting with their primary bank through digital channels and have become increasingly active in both online and mobile banking. In fact, according to Barlow’s 2018 small business banking data, digital channels make up of over 60% of the 23.7 total monthly touches a typical small business customer makes...

Jul

10

2019

Analyst's Journal

The Small Business Credit Journey Continues to Be Far from Frictionless

By Emily Anderson

Small business borrowers have become harder to come by. The demand for credit in the small business market has been relatively low and unpredictable. Small businesses aren’t necessarily going to their primary bank to receive credit when a need does arise. This creates a more competitive market place and a heightened need for institutions to optimize the credit experience for borrowers. While many institutions are working to create intuitive online and personal credit application processes...

Jul

2

2019

Analyst's Journal

Happy Independence Day from Barlow Research!

By Barlow Research

Best wishes for a safe and enjoyable Independence Day holiday from your friends and colleagues at Barlow Research Associates, Inc. Please note that Barlow Research's offices will be closed on Thursday, July 4th, 2019 in observance of our nation's birthday. The next Barlow Analyst's Journal column will be published in our newsletter on Thursday, July 11th, 2019. Happy 4th of July!

Jun

26

2019

Analyst's Journal

BMO and Huntington Are Poised to Support Growing Private Healthcare Practices

By Allison Haley

Financial institutions are taking note of industries where there is substantial growth and have a need for specialized products. Healthcare professionals have been an industry of focus recently as multiple major players have announced their intent to service this growing industry. The Bank of Montreal revealed their intent to support healthcare professionals from the time they are in school all the way through retirement with a new program that includes a set of products and...

Jun

19

2019

Analyst's Journal

Fifth Third and Citizens Bank Discuss New Middle Market Delivery Models for Credit, Sales and Servicing

By Donna Arce

This year at the Barlow Research Business Banking Conference (May 20 and 21 in Chicago, IL) we invited banking experts to participate in a middle market panel discussion to explore new delivery models for credit, sales and servicing. Two of our middle market panelists were Shelly Harper, Credit Risk Process Executive, Fifth Third Bank and Carlton Williams, SVP, Chief Administrative Officer of Corporate Banking, Citizens Financial Group, Inc...

Jun

12

2019

Analyst's Journal

Ohio Is the New Battleground for Business Banking

By Sandy Hanson

With nearly 250,000 companies with $100K-<$10MM in sales, Ohio is the 7th largest state in the country in terms of number of small businesses. Ohio also holds the 7th position in terms of number of middle market companies ($10MM-<$500MM in sales) with over 6,000. Competition to bank all of these companies is fierce, and Ohio has been deemed the new battleground for business banking. In Barlow Research’s most current data (1Q2017-4Q2018), in the...

Jun

5

2019

Analyst's Journal

In the Center of Influence Solar System, Business Bankers Find Themselves Closer to Pluto Than Mars

By Joel Mueller

Small businesses ($100K-<$10MM) and middle market companies ($10MM-<$500MM) are becoming increasingly comfortable with digital interactions. Sixty percent of small business and 68% of middle market monthly contacts are to digital channels compared to only 5% and 6% to Account Officers/Business Bankers, respectively. Furthermore, the website for transactions is now one of the key channel drivers of satisfaction in the small business market. However, the role of a Business Banker as a trusted...

May

29

2019

Analyst's Journal

Wells Fargo Leads Its Peers in Small Business Credit Usage

By Emily Cade

In Barlow Research’s most recent rolling four quarter data, half (51%) of all small businesses ($100K-<$10MM in sales) use at least one credit product anywhere and 40% use credit with their primary bank. Large banks (assets >$50B) currently have fewer customers that use at least one credit product with their primary bank compared to medium (assets $1B-$50B) and small (assets <$1B) banks. However, as a competitive large bank, Wells Fargo’s customers used more...

May

22

2019

Analyst's Journal

U.S. Bank Joins Bank of America in Offering Small Business Credit Applications via Mobile

By Allison Haley

Eight out of ten small business ($100K-<$10MM in annual sales) owners agree that it is important their bank offers a consistent digital banking experience regardless of device used, making it essential that the mobile channel keeps up with online banking offerings. Digital credit applications are becoming more commonplace as digital banking users are expecting the ability to be able to complete tasks with their primary bank in the channel of their choosing. However, most...

May

15

2019

Analyst's Journal

Four of the Top Ten Banks Achieve Higher Than Average Middle Market Mobile Banking Adoption

By Donna Arce

Content is updated as of May 17, 2019 Are middle market companies ($10MM-<$500MM in annual sales) ready for mobile banking? Once thought of as only for consumers, mobile banking services were expanded and tailored for small business owners. Today, mobile banking is taking hold in the middle market segment as well. The Middle Market Banking Segment’s Affinity for Digital Banking Online banking is a must in the middle market. For years we have seen...