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Cornerstone Commissioned Research

Enhance your messaging with independent financial services industry analysis


When your story is supported by independent, third-party data and analysis, it carries more weight with bank and credit union executives.

Over the years, Cornerstone Advisors has built a “vendor-neutral” reputation among financial institutions. This means our commissioned research provides fintech firms and software solution vendors with deliberately unbiased studies, adding credibility to your messaging.

Position your firm as a thought leader in the market with a customized study from Cornerstone Advisors.


Commissioned Research


The Rise of Family Digital Wallets

This report illustrates how offering family digital wallets can enable banks and credit unions to expand their customer base and provides financial institutions with a tiered methodology to implement a family digital wallet - wherever they are in their digital journeys...


2023 Digital Banking Performance Metrics

How effective are your digital banking strategies? New research from Cornerstone Advisors presents benchmarks and insights across 11 digital banking areas to illustrate how high-performing community financial institutions are doing digital right....


How Social Issues Impact Americans’ Financial Lives and Relationships

From gun control and climate change to mental health and school curriculums, social issues are dominating public discussions. This research explores how these conversations are impacting our financial lives and relationships...


The Impact of Digital P2P Payments on Community-Based Financial Institutions

To stay competitive in the financial ecosystem, community-based FIs must implement a modern payments strategy that includes digital payments...


Small Business, Big Ambitions - How Community Banks Can Embrace the Small Business Market

Community banks' share of the small business lending marketplace is being threatened by digital neodisrupters. Learn ways FIs can survive, thrive and win back Main Street...


Banking and Fintech in 2022: A Recap of Cornerstone Advisors Research

Get highlights from Cornerstone Advisors Research reflecting key issues, challenges, and opportunities faced by bank and credit union executives...


The Chatbot Journey: Making Intelligent Digital Assistants Integral Members of the Team

This report reveals results of interviews from bank and credit union executives about their conversational AI journeys and presents three key elements of successful chatbot deployment...


Beyond Overdraft: Helping Consumers Manage Liquidity

An exploration of 3,000 U.S. consumers’ use of, experience with, and attitudes toward overdraft protection services and with overdraft activity on their checking accounts...


2022 Mobile Deposit Benchmark Report

A detailed reporting of customer experience rankings for top U.S. retail banks and credit unions, including an analysis of the competitive best practices and gaps in these institutions' mobile deposit readiness...


The Embedded Finance Flywheel

Download this report to learn how financial products can help brands generate millions in revenue and increase customer loyalty...


Leveraging the Cloud to Accelerate Digital Transformation

This report outlines the struggles FIs face relative to cloud technology and explores keys to a successful cloud-based digital transformation strategy...


2022 Digital Banking Performance Metrics

This report provides a framework to help bank and credit union executives better measure and manage their digital investments, channels, and operations...


Selecting an Open Banking Data Aggregation Vendor

A guide to help financial institution and fintech executives make smart choices for their data acquisition, utilization, and analytical solutions...


Creating a Fintech Subscription Engine

New research from Cornerstone Advisors presents insights and solutions to address the revenue recession driven by declining fee income and waning interchange income...


Counterattack: Banks’ Field Guide to Fintech Disruption

Learn why banks should take fintech disruption seriously and how they can counter five specific competitive threats to be better positioned to win...


The Payments Modernization Imperative

As FIs' payments revenue streams are threatened by industry trends that their digital transformation initiatives fail to address, success depends on modernization of their payments infrastructure...


Banking as a Service: Banks' $25 Billion Revenue Opportunity in Fintech Banking

There's a huge revenue opportunity for banks to provide BaaS with the help of third-party technology companies ...

Open Banking and APIs - Cornerstone Research

Open Banking and APIs: Strategies for Mid-Size Financial Institutions

APIs are today’s best tools for creating connectivity and data sharing. This report shows banks and credit unions how to build, manage and deploy ...


The Small Business Digital Account Opening Imperative

To stay relevant, community financial institutions must meet rising customer and member demand for superior ...


The State of the Union in Bank-Fintech Partnerships

Fintech partnerships are falling short of financial institutions’ objectives. Here are some new approaches to reverse the trend.


Cultivating a Digital Lending Ecosystem Strategy

Learn how to boost profitability by embedding lending products into the digital ecosystems your customers already use.


The Definitive Guide to Potentially Misunderstood Fintech Trends & Terms

This mega guide will quickly become your go-to resource for a data-driven view of what’s happening in fintech.

The Human + Digital Challenge in Banking: Consumers Want Both

The Human + Digital Challenge in Banking: Consumers Want Both

Discover why banks must utilize tech that works in harmony with human interactions.

Going Green: The Climate Change Opportunity in Banking

Going Green: The Climate Change Opportunity in Banking

A new study of U.S. consumers demonstrates significant opportunity for banks and credit unions to win business and gain a competitive advantage by ...

Improving the Loyalty of Mortgage Borrowers

Improving the Loyalty of Mortgage Borrowers

Research-backed strategies for building long-term relationships with every customer or member. 


Modular Banking: Delivering Innovation Without Touching the Core

An exploration of how mid-size banks and credit unions can leverage modular banking to compete with larger financial institutions and…


Competing with Google Plex and the Digital Banks: How Community-Based Financial Institutions Can Regain Their Mojo

New research on the changing consumer behaviors and attitudes that threaten community-based FIs.


Migrating to the Cloud: Strategies for Mid-Size Financial Institutions

Only four in 10 mid-size financial institutions have invested in or deployed cloud computing. Learn the benefits of cloud migration…


Don’t Abandon Me: Reducing Friction in Online Account Opening with Digital Identity Verification

Industry trends in account origination, where abandonment occurs, and how to reduce friction with digital identity verification – to help…

2021 Mobile Deposit Benchmark Report-01

2021 Mobile Deposit Benchmark Report

Fifth annual customer experience rankings for 20 top retail banks and credit unions


Americans’ Shadow Financial Lives

Learn how consumer behavior that evades observation affects incumbent financial institutions.


The Lifetime Value of a Student Loan Refinancing Relationship

Learn about the market opportunity for student loan refinancing as well as the appetite for cross-selling to these borrowers.


The Reacquisition Imperative

An exploration of why financial institutions must reacquire customers through digital engagement.


Credit Modeling and the Need for Speed: The Case for Advanced Technologies

Industry benchmarks and real, actionable guidance for using advanced technologies and data to bring agility and accuracy to your lending.


Commercial Loan Origination Systems – A Three-Part Series

With the help of these in-depth reports, financial institutions will be able to evaluate, select and implement a commercial LOS…


The Cloud On The Horizon

Learn how your financial institution can overcome cloud challenges and implement an enterprise-wide cybersecurity initiative.


The $370 Billion Small Business Opportunity for Banks

This report identifies the revenue opportunity in small business accounting and payments services.


Improving Financial Services for Women

What can – and should – financial institutions do to improve the delivery of financial services to women?


2020 Mobile Deposit Benchmark Report

Learn about changes in mobile deposit CX from 20 of the largest financial institutions in the United States.


The Roadmap to Personalization in Banking

Personalization has become an accepted strategy but the practice in banking reveals three dilemmas facing financial institutions.


How Top Performers Get Maximum Impact From ECM

How do leading financial institutions deploy enterprise content management (ECM) for optimal business impact and what is the incremental impact…


Five Mistakes to Avoid in Digital Account Opening

Achieving a "friction-free" digital account opening process may be harder than it looks.


Making Marketing Strategic

How marketing can improve its strategic contribution in mid-size financial institutions


The Future-Ready Chief Lending Officer

How emerging technologies are shaping lending and shifting management priorities in community markets.


The Impact of the Platform Economy on Financial Services Marketing

Discover the three challenges financial institutions must overcome to achieve platform success.


The Inevitable Journey to the Cloud in Banking

A look at cloud computing adoption in banking, objections to cloud computing, and why a journey to the cloud is…


Digitizing Sales: How Digital Technologies Will Replace or Support Offline Sales

A successful digital sales strategy will require a shift in an institution’s culture from one that is underwriting-driven to one…


Point-Of-Sale: The New Battleground for Bank Marketers

Inbound and outbound marketing techniques often fail to engage consumers during the product researching, shopping and buying activities in which…


Fintech Adoption in the United States: The Opportunity for Banks and Credit Unions

Although many industry observers believe fintech startups will ultimately drive established institutions out of the market, there is an alternative…


The Lifetime Value of a Student Loan Relationship

Although the overall lifetime value of a student loan borrower depends on cross-sell success, over a 10-year period, one borrower…


Debunking Cybersecurity Myths

Five key misconceptions bank and credit union CEOs need to overcome to effectively manage, measure and educate employees and board…


Reinventing Consumer Loans

Despite lending market share gains by credit unions, community banks and credit unions aren't winning their fair share of Millennials'…


The Future-Ready Commercial Bank

This report provides a roadmap, benchmarks, and recommendations for making commercial banking processes future-ready for 2018 and beyond.


Reinventing Checking Accounts

Your financial institution's checking account strategies must evolve to survive in the new subscription economy.


The Platformification of Banking

In this white paper commissioned by Avoka, a new business model emerges: the platformification of banking.


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