Key Takeaways from %%Money 20 / 20 USA%%

Liquidity risk management has become a major priority.

Money 20/20 highlighted shifts in liquidity management and wholesale funding. The high-interest rate environment and tighter regulatory policies have made liquidity a top priority for financial institutions. Many banks are turning to wholesale funding solutions to balance their portfolios and ensure stable access to capital. Innovations in payment flows are also crucial, allowing banks to optimize their cash positions by reducing the time and cost of transactions.

Bank-fintech partnerships are an engine for financial innovation.

Many banks see fintechs as complementary ecosystem partners. For wholesale funding, this signifies that banks are increasingly more open to partnerships that support tech-driven efficiencies in deposit management and liquidity optimization. Middleware cores are also refocusing their efforts to support banks in their partnerships, providing more access to vendors and tools that can help banks form fintech programs safely.

For banks that have invested in the operational and compliance infrastructure needed to address regulatory concerns, there is an abundance of potential fintech partners looking for partner banks.

The use of artificial intelligence must strike a balance between innovative customer insights and “overpersonalization.”

Artificial intelligence, especially generative AI, emerged as a major focus for both traditional banks and fintechs. There’s a growing discussion around the risks of “overpersonalization,” where extensive customer data could become intrusive. This theme resonates with bank executives who must balance innovative customer insights with privacy.

The world is focused on fraud and how to prevent it.

With fraud consistently increasing, banks and fintechs must choose vendors that treat personally identifiable information (PII) carefully or remove it entirely. Cambr’s solutions, for example, are designed to gather no PII, removing the possibility of putting customers’ data at risk. Fraud prevention like this not only helps to protect your customers, but your financial institution as well from falling victim to fraud.

Missed us at Money 20/20? Get in touch to learn how Cambr can provide liquidity solutions for your bank: https://www.cambr.com/contact-us