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Recent Analyst's Journal Articles:

Jul

18

2018

Analyst's Journal

Bank of America, Chase and SunTrust Are Focused on Digital Transformation

By Youa Yang

At Barlow Research’s 2018 Annual Business Banking Conference, I had the pleasure of hosting a discussion panel focused on how financial institutions have transformed customer interactions through digital channels. We discussed digital transformation philosophies, digital banking adoption benchmarks and the next frontier of digital banking. Representing their banks on the panel were: Will Barr, SVP, Small Business Banking Deposits Executive at Bank of America, Chris Fritz, SVP, Head of Digital Solutions at SunTrust and Kevin...

Jul

10

2018

Analyst's Journal

Learning Regions Bank's Winning Formula for Small Business

By Linda O'Connell

Covering 15 states in the South and Midwest, Regions Bank has received more than its share of recognition recently for its quality customer service. In the American Banker/Reputations Institute Survey of Bank Reputations, they were among the few large banks that received an excellent score (above 80) in the customer rankings. In Barlow Research's Small Business (companies of $100K-<$10MM in sales) CAMELS™ analysis, they achieved the #1 ranking among the top 10 market...

Jul

3

2018

Analyst's Journal

Happy Independence Day from Barlow Research!

By Barlow Research

Best wishes for a safe Independence Day from your friends and colleagues at Barlow Research Associates, Inc. Please note that the next Barlow Analyst's Journal column will be published in our newsletter on Thursday, July 12th, 2018.

Jun

27

2018

Analyst's Journal

Wells Fargo’s Laura Oberst Examines an Unconventional Business

By Emily Anderson

At Barlow Research, we follow the voice of the business customer. We survey small businesses ($100K-<$10MM in sales) and middle market companies ($10MM-<$500MM in sales) to better understand their point of view of the business banking industry and how financial institutions can better service them. At our annual Barlow Research Business Banking Conference, we had the privilege to hear insights firsthand from a progressive business owner while being interviewed by a banking leader...

Jun

20

2018

Analyst's Journal

How to Avoid Becoming Obsolete in the Age of Fastest Growing Technological Advancements

By Dustin Greelis

Barlow Research held its annual Business Banking Conference on May 21st and 22nd this year. While several of the presentations were digital-focused, one in particular was more narrowly focused on artificial intelligence (AI), robotics, virtual reality, augmented reality and cryptocurrencies. Gene Munster, a Managing Partner and Co-founder of Loup Ventures with 21 years of prior experience at Piper Jaffray as a Research Analyst, presented on the history of these technologies and their present...

Jun

13

2018

Analyst's Journal

Bank of America, U.S. Bank and Wells Fargo Weigh-in on the Opportunities and Challenges for Middle Market Transformation

By Donna Arce

The middle market banking segment (companies $10MM-<$500MM in annual sales) is ripe for transformation. While there are strong ties between clients and Account Officers who navigate the bank for the client, friction still finds its way into the customer journey. This year, at the Barlow Research Business Banking Conference, we invited banking experts to participate in a Middle Market Panel discussion to identify and discuss opportunities to streamline internal and customer facing interactions. Our...

Jun

6

2018

Analyst's Journal

Commercial Bank Loans Compete with Business Credit Cards as a Source of Small Business Funding

By Sandy Hanson

Even though small businesses’ ($100K-<$10MM in sales) perceptions of the U.S. economy were positive after the recent tax cuts, according to Barlow Research’s most recent Economic Pulse data (1Q18), their borrowing intentions remained lower than pre-recession levels. We have seen an increasing number of small businesses that say they have no additional need for financing. And when they do need something, they reach for credit cards and personal savings before a commercial bank...

May

30

2018

Analyst's Journal

Fifth Third Sets Sights on Being a Market Share Leader in the Chicago Middle Market

By Joel Mueller

On May 21st, Fifth Third announced a merger with MB Financial, a Chicago-based bank with $20B in assets. MB Financial has a long history in Chicago, primarily with middle market companies ($10MM-<$500MM in annual sales). With this acquisition, Fifth Third captures a significantly larger portion of the middle market primary bank market share in Chicago. Barlow Research’s latest rolling eight-quarter data finds Fifth Third in the 14th position with 1% market share...

May

23

2018

Analyst's Journal

Finding the Sweet Spot in Account Officer Contacts Can Lead to Higher Bank Delight Among Small Businesses

By Emily Cade

The Account Officer is an important contact within the bank that many small businesses ($100K-<$10MM in annual sales) interact with, although less than half have one assigned. One third of small businesses do have one assigned. Regardless of whether the company has an assigned Account Officer, Barlow Research collects a variety of data around service levels from the primary bank Account Officer including annual Account Officer visits and calls. Ensuring that the Account Officer...

May

16

2018

Analyst's Journal

Bank of America Changes the Game with Erica, a Virtual Financial Assistant

By Youa Yang

The day has finally come.  Since October 2016 when Erica was demoed at Money 2020, we’ve been waiting with great anticipation for the launch of Erica.  Erica, as described on the bank’s website, is a virtual financial assistant that can help with a variety of different tasks such as providing check routing numbers, viewing bills and scheduling payments, transferring money and finding past transactions among a long list of other tasks.  Erica...