In the News

The industry is asking whether consumers will trust AI to move money. The more important question is whether or not consumers will trust AI to tell them where to move their money.

The launch leans on a figure from Cornerstone Advisors' 2026 digital banking research: financial institutions are missing nearly 9,000 potential checking accounts a year to abandonment, barely moved from 9,572 in 2024.

Cornerstone Advisors research shows that Gen Z especially is “moving part of their paychecks to higher yield savings,” reports Elizabeth Gujral, director, Cornerstone Advisors.

“Many banks ask whether consumer loans generate enough profit on their own to justify the investment,” said Elizabeth Gujral, director at Cornerstone Advisors. “The real question is what banks stand to lose when business owners turn elsewhere.”

As businesses grow, they start to need additional treasury management services including advanced analysis capabilities as their cash management, liquidity needs, and accounting structure become more complex, said Onker Basu, a senior director at Cornerstone Advisors.

Financial institutions (FIs) are embracing AI for marketing, but they’re focused on content creation rather than using AI to act on customer insights, according to a Cornerstone Advisors and Persado survey.

Community banks that treat consumer lending as a low-margin, low-priority product risk surrendering valuable customer relationships and billions in loan demand to competitors, according to new Cornerstone Advisors research commissioned by Teslar Software.

"By guaranteeing the ownership via blockchain, it is easier to transact and trade physical assets without the traditional hassles of custody and moving of physical assets," said Tony DeSanctis, vice president at Cornerstone Advisors. "This is likely just the beginning of tokenized assets."

Cornerstone Advisors study reveals compliance bottlenecks stall campaigns weeks after customer opportunities close.

"Amex is playing a bit of catch up here on small-business card features and functionality, certainly relative to these fintechs," according to Tony DeSanctis, vice president at Cornerstone Advisors. "Amex has the scale and resources to compete if it executes."