Differentiated. Forward-thinking. Leverageable.

The Tech-Forward Bank Index highlights public and privately-held banks that saw an opportunity to enter innovative, profitable verticals (like BaaS, crypto, and payments) which added to already valuable core franchises. Studies estimate that over the next 12-24 months, hundreds more banks will accelerate their adoption of similar strategies, so we would like to acknowledge those […]

The link between stock performance and a hybrid business model Since conceiving of the Travillian Tech-Forward Bank Index last year, we’ve characterized these companies as standing at the forefront of the convergence between banking and technology.  We’ve been deliberate in only considering adding companies to the list that originated as banks, and then transitioned to […]

Horicon Bank, a 125-year-old bank based in Wisconsin, made a unique decision to acquire a fintech, Monotto, thereby acquiring its’ founder, Christian Ruppe, to become the bank’s innovation lightning rod. Travillian’s Head of Banking & Fintech, Brian Love, spoke with Christian, now the  VP of Digital Banking at Horicon Bank. Christian also explains how something as simple as wearing a […]

Fintech has only scratched the surface in terms of its capabilities, so it’s not surprising that the number of startups dedicated to this burgeoning space is growing. Travillian’s Keith Daly, Director – Banking & Fintech Search, spent some time with Cameron Peake, Partner at Financial Venture Studio, to discuss how she is helping entrepreneurs to navigate […]

It’s no secret that community banks are the lifeblood of small business, which, in turn, are the heartbeat of America. They are also a lifeline to millions of consumers for deposits and loans. With assets up to $10 billion, the 5,000-strong U.S. community banks that comprise this market are an impressive lot, one friendlier than the […]

Over the last few months, things have changed quite a bit. Earlier in the year, the general sense was that while there were issues to contend with – like inflation – the delicate balance between economic stability, growth, a return to normalcy post-COVID, and changes in monetary policy could be effectively juggled and maintained without […]

Keith Daly, Director – Banking & Fintech Search at Travillian, spoke with Steven Duong, Director of Bank Partnerships at Figure Technologies, to discuss the impact of Defi, Blockchain, Crypto and Stablecoins and how these new technologies will transform banking and financial services in the coming years. Keith Daly: What is Defi & Blockchain and how […]

Scott Hildenbrand, Managing Director and Chief Balance Sheet Strategist at Piper Sandler, joined Travillian’s Head of Banking & Fintech, Brian Love, in a discussion around the economic moment and what it means for community banks and their balance sheets. Scott gives his thoughts on better-run ALCO meetings, how to think through a high loan-to-deposit ratio, […]

We will begin with a picture:  The Fed Funds rate has been zero for two years, and prior to that about 8 years. In this rising rate backdrop there are two reasons banks may perform well vs the broader market.  Specifically, Bank EPS tends to do better than the broader market as margins expand.  Most […]