Deep Dive
来自我们记者的行业洞察
The Spread of "Banking Deserts" in Rural America: The Financial Services Vacuum and Responses Under the Wave of Branch Closures
When the only bank branch in a community withdraws, local residents and small businesses may fall into a predicament lacking credit and cash deposit services. A Federal Reserve report shows that from 2012 to 2017, the United States closed 6,764 branches, with 44 counties severely affected, 39 of which were rural counties. This article explores the economic drivers behind bank withdrawals, the disruption of credit relationships for small businesses, the takeover model of credit unions, and whether digital banks can fill this vacuum.
Brand Strategy in Fintech Partnerships: Should Banks Stand in Front or Stay Behind the Scenes?
Apple and Google adopt distinctly different brand strategies in financial partnerships, prompting reflections on banks' brand positioning in collaborations with tech giants. This article analyzes trust, risk, and long-term competition factors.
2020 U.S. Presidential Election: Overview of Candidates' Banking Policy Positions
The 2020 U.S. presidential election is highly competitive, with over twenty candidates vying for the White House, and banking policy has become one of the key issues. This article summarizes the relevant positions of Republican and Democratic candidates and explains how to use an interactive tool to view each candidate's specific views.