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Recent Analyst's Journal Articles:

Dec

13

2017

Analyst's Journal

Bank of America Enhances Small Business Mobile Experience with My Dashboard

By Adam Johnson

One of the key goals for Barlow Research’s Digital Business Banking team is to always be on the lookout for new innovations in the digital banking space. We pay attention to the industry trends not only to keep an eye on how financial institutions are finding new ways to meet customer needs in an immediate sense, but this also helps us in looking forward to understand where the industry is going. In 2017 we saw...

Dec

6

2017

Analyst's Journal

Segmentation Redefined: Start-Ups, Buyers, Successors and More

By Joel Mueller

Many financial institutions segment the small business ($100K-<$10MM) market according to their annual sales volume. While this can be an effective strategy, the diversity of these businesses often masks nuances that can be more prescriptive when it comes to segmentation. Using the latest data from Barlow Research’s quarterly small business banking program, we can explore how two business attributes impact business banking relationships and can provide a new way to think about small business...

Nov

29

2017

Analyst's Journal

Opportunities Exist to Strengthen the Relationship with Younger Small Business Owners

By Emily Cade

The relationship between the bank and the small business ($100K-<$10MM in sales) owner is one that should continuously grow and strengthen. The age of the owner has definite importance when it comes to knowing your customer and their business. Companies with younger owners (under 45 years) have been in business for 11 years and nearly half (49%) were in the growth stage of the business lifecycle. The main channels the younger owners used were...

Nov

21

2017

Analyst's Journal

Happy Thanksgiving from Barlow Research!

By Barlow Research

Best wishes for a wonderful Thanksgiving holiday from your friends and colleagues at Barlow Research Associates, Inc. Please note that Barlow Research's offices will be closed on Thursday, November 23rd and Friday, November 24th, 2017. The next Barlow Analyst's Journal column will be published in the November 30th edition of our weekly newsletter. Happy Thanksgiving!

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...

 

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