Our webinars deliver informative and actionable insights paired with industry best practices that you can put into place today.


Trick or Treat? Saving your institution money to remain competitive in 2021

October 21, 2020
12:00 pm ET/9:00 am PT

Financial institutions are currently faced with reducing expenses to offset losses felt from the pandemic. Do you know where to focus your efforts to achieve best results?

When you get tactical about your financial institution’s cost-control measures, you can pursue forward-growth opportunities and benefit from immediate results. Attend this webinar to learn more about the following:

  • Why Cornerstone Advisors believes money can be saved in contracts, branches, and risk
  • How to identify growth areas in your digital offering
  • What steps to take when discussing these ideas with your senior leadership teams

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Real-World Best Practices for Your PPP Forgiveness Plan

October 28, 2020
2:00 pm ET/11:00 am PT

Banks and credit unions need more than a prayer

At the beginning of 2020, did you anticipate that 5+% of your assets would be in a one-time government guaranteed loan program? What steps has your institution taken to prepare for the ultimate repayment of these loans? How has your institution handled the changes to the program that took place after your institution funded these loans?

In this webinar, Cornerstone Advisors will lay out the current situation for the typical financial institution and provide recommendations on how to best prepare.

Please note that this webinar is for Banks and Credit Unions only.

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The Fintech Hustle

October 13, 2020
2:00 pm ET/11:00 am PT

Fintech firms are acting like banks; banks are acting like fintech firms.
The lines are no longer clearly drawn. So who’s behind Door #3?

One thing is certain: technology’s emergence in banking has led to a shift in how financial institutions think about their fintech partners – and vice versa. And the playing field changes on seemingly a daily basis!

Join co-hosts Sam Kilmer, fintech advisor, and Ron Shevlin, provocative author/researcher, from Cornerstone Advisors as they engage fintech guests in a lively chat about what’s going on in the world of financial technology.

Watch Recording

Double Down on Digital

September 24, 2020
12:00 pm ET/9:00 am PT

How well does your financial institution meet the digital banking needs of your customers?

Examine the steps your financial institution must take to assess customer touch points and determine what is required to successfully transform your digital offering to retain and grow your customer base.


  • System functionality and customer expectations
  • System assessment best practices
  • Your digital system: remain or replace?
  • Finding cost savings to invest in digital capabilities
  • The vendor ecosystem

Bank Merger Preparedness – Seizing the Strategic Opportunity

August 25, 2020
1:00 pm ET/10:00 am PT

Will you be ready when the next merger opportunity comes along?

While the pandemic may have slowed M&A activity, it has not changed the long-term industry consolidation. In fact, Cornerstone Advisors expects activity to accelerate post-COVID as banks “on the fence” realize that long-term shareholder value will come in the form of a merger.

Because you can’t time a merger like you can a strategic initiative, it is imperative for boards and management to be prepared to evaluate and potentially execute a merger if and when the opportunity emerges.

Watch Recording

How Fintechs Must Adapt to Bank Client Changes: A Panel Discussion

August 20, 2020
12:00 pm ET/9:00 am PT

Do you have the plans in place to adapt to your customers’ needs?

Despite a recession that has caused many banks and credit unions to rethink their purchase plans, fintech providers still have sales and retention goals to meet. But how can they engage clients and prospects when so many events have been canceled or are being held virtually?

In this virtual panel discussion, industry leaders from Cornerstone Advisors, William Mills Agency and MX will call on the latest research and from-the-trenches experience to illustrate why fintech providers should be asking themselves three very important questions right now.

Watch Recording

The Cloud On The Horizon

August 20, 2020
2:00 pm ET/11:00 am PT

Cloud computing is bringing new cybersecurity concerns to financial services

Despite the prevalence of attacks and high cost of breaches, many financial institution executives have been lulled by the cloud into a false sense of security about the safety of their data.

The reality is that the adoption of cloud computing introduces a host of cybersecurity concerns to banks and credit unions. Is your institution prepared to deal with these new challenges?

Watch Recording

Credit Union Merger Preparedness – Seizing the Strategic Opportunity

August 19, 2020
11:00 am ET/8:00 am PT

Will you be ready when the next merger opportunity comes along?

While the number of credit union mergers has stayed the same, the relative size has increased. The pandemic may have slowed merger activity, but it has not changed the long-term need for credit unions to seek ways to gain the strategic capability to stay relevant to members, including through mergers.

Because you can’t time a merger like you can a strategic initiative, it is imperative for boards and management to be prepared to evaluate and potentially execute a merger if and when the opportunity emerges.

Watch Recording

Negotiating Vendor Contracts to Benefit the Bottom Line

August 12, 2020
11:00 pm ET/8:00 am PT

Seasoned advisors discuss the ins and outs of negotiating vendor contracts and share real-life stories from the field. Attendees of the 60-minute webinar can expect to learn the following [and more!]:

  • Contract negotiations in a COVID environment
  • The contract “gotchas” to heed prior to signing on the dotted line
  • Leveling the playing field before negotiations begin
  • Influencing an outcome that favors the financial institution?

2020 Planning and Beyond: Are You a Bear or a Bull?

July 23, 2020
12:00 pm ET/9:00 am PT

Cornerstone Advisors research shows that one-third of all financial institutions under $50 billion in assets will have negative earnings by Q1 2021.

Five fundamental questions financial institution executives should be evaluating:

  1. What adjustments do we need to make over the next 18 months and beyond to remain competitive?
  2. How should we be thinking of investments in our channels – digital, branch, contact centers, ITMs – in the future?
  3. How do we elevate our credit and operational risk visibility to ensure capital preservation and demonstrate strength to stakeholders?
  4. Are there growth opportunities that would make sense for us to consider at this time – such as entering new markets/M&A?
  5. How do we safely and productively get back to work for both our customers and employees?

Watch Recording

Optimizing your Payments Vendor Relationships

July 15, 2020
11:00 am ET/8:00 am PT

Evaluating vendor partners for card processing is complex. With the potential impact to your bottom line, the decision-making process can be both overwhelming and time-consuming. Financial institutions with a well-developed card processor RFP and comprehensive conversion plan satisfy customer expectations and benefit from a strong vendor relationship.

Whether you are in the beginning stages of selecting a vendor or focused on fostering your current vendor relationship, you won’t want to miss this live webinar designed to help you maximize the performance of your payments program.

How to Negotiate Contracts to Save Money in 2020

June 18, 2020
11:00 am ET/8:00 am PT

Realize immediate cost savings when you re-negotiate your vendor contracts

  • Learn what to look for in vendor contracts to achieve competitive pricing today
  • Identify how to remain in control of your vendor contract negotiations and work toward favorable outcomes
  • Build a road map to readiness in your preparation efforts

How to Find Cost Saves in 2020 Using Best Practice Benchmarks

June 4, 2020
12:00 pm ET/9:00 am PT

With COVID-related pressures on earnings, executives need to leverage performance benchmark data to find cost saving opportunities… and to measure the impact of their actions. In this webinar, Cornerstone will share its proprietary benchmarks and approach to using data-driven decisions to find savings and optimize their performance.

Watch Recording

Payments Trends and Fintech Disruptors

May 27, 2020
11:00 am ET/8:00 am PT

A great way to enhance your revenue stream is through the optimization of your payments business. Join payments professionals Tony DeSanctis and Kim Swenson in this 60-minute webinar discussing the impact of COVID-19 on the industry and how banks and credit unions can impact their bottom line revenue with a re-tooling of strategies to drive customer engagement and thrive in today’s new normal.

  • Examine the payments landscape and learn strategies to drive engagement and growth
  • Understand your partner/vendor relationship and how it is impacting your payments business and your bottom line
  • Learn what to do [today] to ensure your payments venture survives and thrives during the COVID-19 pandemic

Watch Recording

How to Reduce Tech Spend in Second Half of 2020

May 21, 2020
1:00 pm ET/10:00 am PT

Tech spend is typically financial institutions’ second largest non-interest expense, and with COVID-related pressures on earnings, executives need to find opportunities to realize technology cost savings quickly.

So how can you quickly reduce tech spend without impacting customers? And how do you find those opportunities when CIOs don’t control all of that spend or have time to review spend for savings opportunities?

In this webinar, Quintin Sykes, Technology Solutions Group Leader, and John Venzon, IT Advisory Practice Leader, will share their approach to finding tech savings in 2020. Topics will include

  • How to find software, hardware, and network savings opportunities such as eliminating redundancy or improving pricing
  • How to reduce professional services/contract staffing spend based on revised 2020 project load or reduced pricing
  • How to reduce or redirect internal IT staff based on the current environment
  • How to rationalize and prioritize projects based on a business case ROI in a COVID environment
  • How to use technology spend benchmarks to identify cost saving opportunities

Watch Recording

How to Improve Earnings in the Second Half of 2020

May 14, 2020
12:00 pm ET/9:00 am PT

Cornerstone Advisors forecasts more than 30% of financial institutions will report negative earnings in the second half of the year, with more than 70% having earnings of less than 25 basis points. Smarter Banks will be proactive about improving their earnings, and Cornerstone would like to help make it happen faster.

In a live, 60-minute webinar, Cornerstone will share our latest research on COVID-19’s impact on bank earnings and introduce a suite of solutions designed to help financial institutions increase earnings in the second half of 2020 by $1-2 million per billion in assets.

These uncertain economic times call for quick action. Co-hosts Steve Williams, Eric Weikart, Ryan Rackley, Quintin Sykes and Tony DeSanctis will show attendees how to rapidly:

  • Improve payments-related income
  • Identify savings in vendor and technology spending
  • Negotiate savings in vendor contracts coming due in the next two years
  • Use peer benchmarks pinpoint institution-wide savings opportunities and align delivery costs for the future

Watch Recording

Order Among Chaos – Real-World Best Practices For Your PPP/SBA Program

April 16, 2020
3:00 pm ET/12:00 pm PT

With two-thirds of small businesses expected to apply for PPP loans, banks and credit unions are wrestling with how to quickly react to this challenge. Whether you’re struggling with the application demand, considering whether to stand up a program, or you’ve suspended your apps for now, come learn emerging best practices from the small business lending experts at Cornerstone Advisors.

In this webinar, Cornerstone will share:

  • PPP, Traditional SBA Loan Program and Main Street Lending Program guidelines
  • Emerging best practices on loan funding, boarding and E-Tran processes
  • Profiles of institutions that are participating in PPP, and considerations for starting or expanding a SBA lending program
  • A real-time view of vendor options for PPP applications and workflows
  • Leveraging PPP awareness/impacts to build out a profitable SBA program
  • And we’ll answer your questions!

Watch Recording

Remote Delivery Is Now Essential – What to Do Today

April 9, 2020

Branch closings and social distancing have revealed shortfalls in how banks and credit unions deliver services in a digital-first world. Improving virtual capabilities while adjusting to a remote workplace has added complications. Financial institutions must execute customer experience improvements as quickly as possible while managing interim customer challenges.

In this webinar, Cornerstone will share:

  • How to triage your delivery service gaps and prioritize action
  • How to quickly meet expanded customer contact center needs
  • What to do if you’re missing key digital capabilities – build, buy or borrow
  • The realities of fast-tracking digital account opening and remote loan origination
  • Negotiating in a buyers’ market against surge pricing – negotiate fast without losing your shirt!
  • Up to the minute bank and credit union survey data – find out what others are doing
  • And get your questions answered!

Watch Recording

Digital Contract Negotiations: Negotiate Eye-Popping Results

March 25, 2020

Gain the following information in this FREE 60-minute webinar:

  • How to identify negotiation-worthy contracts
  • The most effective process to employ when determining your negotiation priorities
  • What is required to become negotiation-ready

What’s going on with Payments Vendors? Weathering the Consolidation Storm

February 19, 2020

What do big tech provider acquisitions of TSYS, First Data and Worldpay mean for banks and credit unions? How will they impact credit or debit portfolios? What options are available if financial institutions are unhappy with their technology offerings?

What’s Going On In Banking 2020 Webinar

February 21, 2020

Join Cornerstone Advisors’ Director of Research, Ron Shevlin, and President & Partner, Steve Williams, as they review the recently surveyed 300 senior executives at U.S.-based mid-sized financial institutions.  What they learned is that while more than half of bank and credit union executives are optimistic about the new year, they considered the interest rate environment a major concern for 2020.
Other key highlights of the survey include:
  • 65% of banks and 76% of credit unions said fintech partnerships will be important to their business strategies in 2020
  • The number of banks citing mortgages, consumer loans and consumer fee income as a priority this year is up significantly from 2019
  • The percentage of banks and credit unions that have deployed AI and machine learning tools is in the single digits

Watch Recording

Best Practices for Negotiating Contracts

January 22, 2020

Join Cornerstone Advisors in this FREE webinar and gain insight into what is trending in negotiating core technology contracts. Panelists Ryan Rackley, Brian Hagan and Nick Lane will identify ways you can prepare to negotiate your technology contracts and what a successful outcome should generate. 


Core Banking 2020 – Evolution or Revolution?
Part 3 – Three Keys to Maximum Your Tech Spending in 2020

Tuesday, December 5, 2020

Next year is setting up to be challenging. Project requests from your lines of business are at an all-time high, as they seek continued improvements in digital, LOS, analytics, marketing automation, fraud, etc. At the same time, you have your own project list of infrastructure transformation and wish list items, including info sec., data loss prevention, RPA, etc. You also must be ready to slow things down if the economy softens and your CFO tightens spend.

You’ll learn:

  • How to prioritize projects with the highest ROI
  • Important tech spending benchmarks – what you should measure and how you compare
  • Using vendor contract negotiations to fund strategic initiatives
  • Where to spend your limited R&D dollars
  • How to slump proof your technology if you have to tighten your spend

Core Banking 2020 – Evolution or Revolution?
Part 2 – Contract Coming Due Before 2022? – Should You Renew or Replace?

Tuesday, November 19, 2020

Do you have a contract coming up before Dec. 31, 2022? If so, your FI may be weighing whether to renew as-is, with improvements, evaluate options or go straight to a replacement vendor.

You’ll learn:

  • Best practices for deciding renew vs replace
  • How to get maximum value from a renewal decision
  • Whether your replacement decision means core transformation or rip and replace
  • A roadmap and timeline for making your renew or replace decision




Your payments business is under siege from companies such as PayPal, Apple, Amazon, and many fintech disruptors. How do you deal with these risks? What do you need to know? And how do you protect your institution – or leverage the situation for your FI’s benefit?

You can’t set a strategy until you know what the playing field looks like and have identified what to avoid!

“Payments Trends and Fintech Disruptors” gives you the lowdown on what will impact your program:

  • What are the market trends?
  • Who are the players in the space?
  • Where should you focus your attention?
  • What pitfalls and “gotchas” must you be aware of?


Core Banking 2020 – Evolution or Revolution?
Part 1 – Core Market Trends: How it Impacts Your FI
Tuesday, November 5, 2020

Get insights into what the future looks like in the core vendor market and what you need to do to be prepared to drive your institution forward.

You’ll learn:

  • What the biggest trends are in the core vendor market
  • Which core vendors and products have the most market momentum
  • Whether niche players like Corelation, Finxact and Nymbus are challenging the Big 3 – FIS, Fiserv and Jack Henry / Symitar
  • Whether international core vendors are finally ready for prime time
  • Which cores are having success in the emerging neo and digital only banks




A recent survey by Cornerstone Advisors revealed that three-fourths of financial institutions have negotiated vendor contracts without an awareness of prevailing market prices. From our experience with banks and credit unions, Cornerstone can say with authority that many of these institutions paid significantly more than they should have when they signed those deals.

This webinar examines topics such as:

  • Blind negotiations
  • Opaque market pricing
  • Contract auto-renewals
  • Managing an ever-increasing load

The presenter demonstrates how banks and credit unions that understand these concepts – and practice disciplined management of vendor contracts – can achieve amazing results.



Credit unions want to grow and expand their business services, but only CUs that are truly serious about the necessary planning and investment will succeed. What factors drive success? Sign up for “Small Business Services: A Playbook for Growth” and find out.

The webinar explains:

  • How to create a clear strategy and a disciplined plan of action with market intelligence, customer segmentation and a well-defined roadmap
  • What future ready lending really is
  • Why a “Digital First” strategy is essential: Your CU needs to deliver digital services that meet and exceed customers’ expectations
  • How to innovate for the small business market that banks are ignoring

You can leverage your credit union’s brand, branch delivery, staff capacity and workplace reputation to become the local leader in small business services.



The emergence of platforms in Financial Services are transforming the way consumers shop for Financial Services products and make their buying decisions. These changing shopping and buying behaviors are forcing Financial Services providers to establish new plug and play business models that allow multiple participants ( producers and consumers) to connect to it, interact with each other and exchange value. As consumer behaviors change Financial Services providers must build out a new activity based marketing capability that works seamlessly with platform providers and establishes an improved experience for the consumer.



Tech’s emergence in banking requires a rethinking of how vested all sides should be in their business relationships. The differences between financial institutions and vendors have shifted, requiring more coordination than ever. All parties at the table have a role to play in attaining a productive relationship and being accountable. This session will look at both sides of the table, that is, the financial institution side and the vendor side. We’ll discuss the eight winning traits – four on each side – Cornerstone Advisors has identified what makes relationships more vested and capable of achieving positive outcomes. Whether you’re from a bank, credit union, or vendor, you’ll learn how to ensure successful relationships. Attendees are encouraged to submit questions in advance.



Payments Trends and Fintech Disruptor research – Complete!
Debit Card Program levers evaluated/growth plan identified – Complete!
Now it is time to focus on Credit Cards! Debit is just one piece of the puzzle — you need to set your Credit Card program up for success too. Watch our presentation from the Payments team from Cornerstone as they dive deep on setting up a plan to manage and grow your credit card program:
  1. Is your credit card program generating the returns it should?
  2. Is your product offering competitive in the market?
  3. Are you differentiating from the me too products?
  4. How are you managing your credit and fraud risk?



You’ve done your homework on the payments playing field, researched vendors and trends and have your eye on pitfalls to watch out for – Now What Do You Focus On?!



Your C-suite has asked you to manage the debit and credit programs – drive interchange and build a successful card program. Where do you start?
You can’t set a strategy until you know what the playing field looks like and have identified the pitfalls to avoid!
Get the lowdown on what will impact your program –
  • What are the market trends?
  • Who are the players in the space?
  • Where should you focus your attention?
  • What pitfalls and gotchas must you avoid?



In this webinar, experts from Cornerstone Advisors revealed how 2018 YTD performance data affects planning for 2019. We explore six key themes bankers should include in their strategic planning discussions.

  • Deliberate Deposits
  • CRE & C&I Re-balancing
  • Non-Interest Income
  • Delivery Shift
  • Navigating Pricey M&As
  • Talent Acquisition and Retention: talent wars and next-generation leaders



Few aspects of banking are evolving as rapidly as delivery channels, yet you still need to hit or exceed your growth plans for the year. How? By effectively using people, processes and technology to their FULL potential.

  • Lessons learned, both best and worst practices!
  • Identifying those that help achieve your goals and those that don’t.

You will come away with a fresh perspective on driving results while transforming delivery. Additionally, we’ll walk through a sample no-BS scorecard to motivate people, grow revenue, and help customers.



We shared key data we collected from our 2017 Cornerstone Performance Report for Banks

  • Understand peer and high performer efficiency levels across 16 key functional areas of the bank
  • Review key non-interest income drivers and loan production levels of the very best banks
  • Analyze industry delivery channel usage trends and measures of customer penetration
  • Delve into technology spending levels and where these dollars are being spent



If you are a Bank or Credit Union that wants to drive interchange income, watch this! We explore market trends and answer the following questions:

  • What is happening in the industry and how will it impact your institution?
  • Is your vendor Issuer or Acquirer friendly and what does that mean?
  • Can interchange be managed? How does it impact the bottom line for financial institutions?
  • What are the 6 key best practices that you must do tomorrow to set your card program up for success and protect your interchange?



Gain insight into how a Contract Negotiation Roadmap maximizes your leverage in future negotiations. We dive into the details and answer the following questions:

  • What are the best practices to establishing contract negotiation priorities? Why should this be focused on more than just price?
  • This is not just a vendor management exercise – how does this methodology set an institution up for successful negotiations?
  • How do we separate the heavy hitter contract negotiations from the procurement exercises? Let’s explore the art of delegation and where it fits into the roadmap.



  • After Core Processing, debit processing is the next largest spend for banks third party technology agreements and Interchange is now the largest single component of Non Interest Income.
  • Millennials are looking for more and more integration between their card and their other banking products.
  • Don’t miss out on claiming your savings in a commoditizing market.
  • Get the dirt on vendor tactics as it relates to pricing, service and functionality to prepare your bank for a proper vendor review at every contract cycle.



  • Following staff, third party vendor contracts are the largest single expense in a bank – typically millions of dollars at stake. Specific attention and a clear negotiation strategy must be developed first.
    • The merger will affect your volumes for processing. As most pricing is volume related, major contracts should be analyzed for renegotiation opportunities.
  • There inevitably will be ‘onerous’ contracts in the mix between both Banks. Extending these without proper due diligence and market intel can ‘double down’ with existing vendors and delay achieving the targeted earnings.
  • Speed is of the essence. The vendor agreements and a clear system direction must be established before the actual merger work can proceed.



  • Cornerstone estimates that more than 90% of all banks have the potential to improve the terms of their core, debit processing and eBanking contracts.
  • Banks need a winning negotiation strategy to stop overspending on core processing, increase leverage in negotiations, and secure a contract that sets the bank up for future growth.
  • Join us to see how you can develop that winning negotiation strategy for your bank.



Are you frustrated with the return on your core vendor spending? Do you want to improve core utilization? Do you want to get better pricing on your renewal? Or perhaps consider other core vendor options? In today’s competitive environment, there is an incredible buyer’s market for better pricing, better functionality, and better service. So why not take advantage of this now? We discuss:

  • How to decide whether to renew your existing core contract or evaluate new options
  • How to decide in-house or outsourcing
  • If you decide to evaluate
    • The current trends in the core vendor marketplace
    • The five keys to successful core evaluations
    • The mistakes to avoid
  • For those that decide to renew
    • How to get better pricing right now
    • The three secrets to improving vendor pricing and performance through improved contracts
    • The mistakes to avoid
  • The vendor management guidance you need to be aware of



Are you frustrated with the return on your core vendor spending? Do you want to improve core utilization? Do you want to get better pricing on your renewal? Or perhaps consider other core vendor options? In today’s competitive environment, there is an incredible buyer’s market for better pricing, better functionality, and better service. So why not take advantage of this now? We discuss:

  • How to decide whether to renew your existing core contract or evaluate new options
  • How to decide in-house or outsourcing
  • If you decide to evaluate
    • The current trends in the core vendor marketplace
    • The five keys to successful core evaluations
    • The mistakes to avoid
  • For those that decide to renew
    • How to get better pricing right now
    • The three secrets to improving vendor pricing and performance through improved contracts
    • The mistakes to avoid
  • The vendor management guidance you need to be aware of


Discover how Cornerstone Advisors can help your institution.

  • How Can We Help You?

How Banks Can Stay More Connected Like Amazon

Six ways financial institutions can prepare to better connect with customers who are nearly all digital-first now.

FIS/Worldpay Agree to Combine: So What?

Game-changing mergers are creating bigger, more diversified vendors that banks and credit unions use for payments services.

Cornerstone Advisors Fall Payments School

Continually emerging payment technologies keep financial institutions struggling to be at the forefront of their market. Join Cornerstone’s Payments Experts for 2-full days of learning this cutting-edge environment and how to keep your FI ahead of the game.