Bank Nerd Corner

Kiah Haslett

Our perception of money is changing rapidly, and banks are at the center of all of it. From how we access it to how we buy to how we trust that our money will be there when we need it. Here on Bank Nerd Corner, Kiah Haslett brings on a rotating cast of expert bankers, economists, academics and more to sit down and talk about the complex dynamics shaping financial services today. Banks exist at the crossroads between risk and safety, private business and public policy and new technology and some of the oldest laws we have. If we can understand what is changing and what probably won’t, we’ll be in a better position to respond strategically. And, hopefully, we’ll understand the strange creature that is financial services a little bit better.  Subscribe to Bank Nerd Corner to get the latest episode every Thursday!

  1. What Drives Bank Branch Closures?

    3월 26일

    What Drives Bank Branch Closures?

    Bank Nerd Corner welcomes Rajesh Narayanan, a professor in the Department of Finance at Louisiana State University. Rajesh recently coauthored a paper titled “The Decline of Branch Banking,” which was presented at the 2025 Community Bank Research Conference. Kiah and Rajesh discuss how the restructuring of the U.S. bank branch network is driven primarily by deposit activity, not lending. Rajesh explains how interest rates and depositors’ comfort with digital banking increasingly factor into the value that banks derive from their deposit franchise. The paper found that banks are more likely to close branches in areas where deposits are "hot" or flighty, and where customers don't place high value on physical proximity to a branch. Kiah and Rajesh explore whether banks’ ability to pay below-market rates on deposits will survive in an increasingly digital world. Rajesh also discusses what regional bank CEOs should consider when rationalizing their branch networks, and why deposit acquisition and retention costs should guide their strategies. Read “The Decline of Branch Banking” here: https://www.communitybanking.org/-/media/files/communitybanking/2025-papers/rs1_p1_rajesh-narayanan_the-decline-of-branch-banking.pdf?sc_lang=en Fintech Takes Banking is the weekly newsletter for bank execs who get it. Subscribe for the latest in regulation, tech, financials, operations and, yes, accounting, straight to your inbox: https://fintechtakes.com/banking/newsletter-subscription/ Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett Follow Professor Narayanan: Linkedin: https://www.linkedin.com/in/rajesh-narayanan-a4954031

    51분

소개

Our perception of money is changing rapidly, and banks are at the center of all of it. From how we access it to how we buy to how we trust that our money will be there when we need it. Here on Bank Nerd Corner, Kiah Haslett brings on a rotating cast of expert bankers, economists, academics and more to sit down and talk about the complex dynamics shaping financial services today. Banks exist at the crossroads between risk and safety, private business and public policy and new technology and some of the oldest laws we have. If we can understand what is changing and what probably won’t, we’ll be in a better position to respond strategically. And, hopefully, we’ll understand the strange creature that is financial services a little bit better.  Subscribe to Bank Nerd Corner to get the latest episode every Thursday!

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