White Papers
July 10, 2018This challenge is especially acute within the banking industry where understanding customers is less dependent on face-to-face interactions and more about interpreting customers’ digital footprint. But there is good news: the same technology that has created this migration away from the branch to digital is generating an incredible amount of data. Download D3 Banking's Digital Playbook for more...
June 27, 2018Financial institutions recognize the value of small business relationships. They spend more and use more products than personal banking consumers. However, small businesses say their needs are not addressed with current business banking offerings, which are too expensive in their view. Financial institutions have an opportunity to outfit small businesses with the correct tools to do the job...
June 13, 2018Pricing remains a top influencer of consumer behavior and an important lever for growth in the banking industry. While banks understand that their customers have varying degrees of price sensitivity, and bankers work hard to retain their pricesensitive customers—especially when there is a known risk that the customer may switch to a competitor—banks generally lack a holistic strategy to predict...
May 31, 2018Even as bank boards of directors and senior executives have awakened to the need to incorporate regulatory compliance into their corporate cultures, there is growing recognition that more is required to mitigate compliance risk. Namely, transparency and accountability should be promoted as core cultural attributes, if compliance is to take hold at every level of the organization. Drawing upon...
May 31, 2018On March 22, 2018, Treliant hosted a webinar with Consumer Bankers Association regarding, best practices for conducting risk & control self-assessments (RCSAs)". During the the webinar “RCSAs: Putting it All Together”, there were a large number of questions asked which Treliant thought vital for response. Some major areas of interest include: recommendations on effective tools for automated...
March 27, 2018Effective compliance metrics support compliance efforts by providing a window into an organization’s compliance risks and controls. It is vital that organizations evaluate, integrate, and (when valuable) automate metrics that provide insights into their compliance efforts in order to more effectively prevent, detect, and respond to current and future compliance risks. Such metrics can help...
February 28, 2018At many banks and credit unions vendor contract negotiation and management is assigned to someone who also has many other responsibilities. With more vendors in the marketplace, more competitive pressure to stay current with the latest innovations, and more complexity in the terms and conditions, this “wearing many hats” approach to contract management can impact the bottom line of an...
Checking Account Disclosures, Credit Card Disclosures, Deposits & Payments, Fair & Responsible Banking, Financial EducationFebruary 24, 2018Is alternative credit data the missing link between underestimated consumers and access to credit? Consumers with poor traditional credit scores can often be misclassified as marginal or subprime, and many consumers who lack an established credit history are considered ‘unscorable’. By providing the additional insight needed to more predictively evaluate the risk of these consumers, alternative...
February 22, 2018Consumers are completing more complicated tasks online with each passing year. From travel to taxes, people are increasingly comfortable using technology to search for the best deal, provide reams of personal information and make their individual preferences known. But banks are woefully behind other industries in that online shift even as fewer customers visit the local branch. Consumers only...
January 30, 2018As retail banks transform their branches, optimizing workforce and resource plans is more critical than ever for operational efficiency. We believe there are four keys to success with workforce optimization —leadership, process, culture, and technology. This white paper highlights the 12 obstacles to success and provides practical guidance for ensuring success. In the Insights section, find out...
