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Recent Analyst's Journal Articles:

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...

May

8

2019

Analyst's Journal

U.S. Bank Positions Its New Small Business Mobile Banking App for Future Advancements

By Youa Yang

Mobile banking has proven itself to be more than a passing fad. One of the reasons it is such a fascinating channel is that the smart phone keeps getting smarter and financial institutions continue to leverage new technologies coming to market, which results in a situation where the business customer is the one who wins. The win for the customer is huge because what used to require a laptop/desktop computer can mostly be achieved...

May

1

2019

Analyst's Journal

BB&T Tops the Middle Market CAMELS™ to Become the New Winner

By Emily Anderson

At Barlow Research, we measure bank performance according to the voice of the customer. Every year, Barlow Research publishes a CAMELS™ score for each of the Top 10 banks based on primary bank market share in the middle market (companies with sales $10MM-<$500MM). A Barlow Research CAMELS™ score is a composite of the performance ratings awarded by middle market bank customers in six areas over a two-year period. These individual components measure the...

Apr

24

2019

Analyst's Journal

Regions Upholds the Top Score in Barlow Research’s Small Business CAMELS™ for Third Consecutive Year

By Sandy Hanson

In Barlow Research’s most recent 2018 data, large banks (assets >$50B) were identified as primary by 53% of the small business ($100K-<$10MM in sales) market. While there are approximately 30 large banks in the U.S., the Top 10 banks (Bank of America, Wells Fargo, Chase, U.S. Bank, PNC, TD Bank, BB&T, SunTrust, Citizens and Regions) accounted for most of this share. Collectively the Top 10 banks totaled up to 41% primary share; other...

Apr

17

2019

Analyst's Journal

There Are Three Ways to Enhance Small Business Stickiness

By Joel Mueller

Many banks have focused on providing sticky solutions for their small business customers ($100K-<$10MM in annual sales revenue). To operationalize this term, “sticky” refers to the product/service strategy a bank uses to make sure clients don’t (want to) leave the bank or seek alternative solutions from another institution. This often includes the enrollment in bill pay, direct deposits, etc. However, there is more to long-lasting stickiness than enrolling clients in account features...