Why Americans are moving their money outside banks
Why deposits are leaking out of banks and what ALCO needs to understand now. The Quiet Migration Away From Banks Not every consumer is choosing a bank anymore. And that shift is reshaping the liquidity landscape for community and regional institutions. Over the last decade, U.S. financial behavior has undergone a structural change: Consumers haven’t […]
The True Price of Gas: inflation or a hidden Tax?
Why fuel elasticity matters for banks, deposits, and balance-sheet Forecasting The Price That Moves America In the United States, few prices shape daily life more directly than the price of gasoline. When fuel costs rise, every corner of the economy feels the pressure, consumers, small businesses, logistics networks, retailers, and, ultimately, banks. But what makes […]
When Military Spending Hits Your Balance Sheet
Using AI to Forecast the Impact of Military Spend on Business Demand Deposits When the U.S. government raises defense spending, the effects ripple far beyond Washington. Billions of dollars flow into defense contractors, logistics networks, small suppliers, and local communities that orbit the military-industrial complex. Those funds eventually land somewhere else: in the business demand […]
Forecasting Tariff Risk: a Playbook for Small Businesses
Forecasting Tariff Risk: a Playbook for Small Businesses When a tariff headline hits the news, it can sound like distant policy noise. But for a small business that imports parts, equipment, or raw materials, that single headline can rewrite its cash-flow forecast overnight. A 10% duty on steel might not mean much to a Wall […]
The Unpredictable Nature of Demand Deposits: Why Consumer Behavior Matters in Balance Sheet Management
For ALCO teams at Community Banks and Credit Unions across the U.S., demand deposits have always felt like the bedrock of balance sheet management. But in today’s digital-first, sentiment-driven environment, that bedrock is shifting. What used to be predictable is now anything but. When “Safe” Isn’t Really Safe Ask any banker under $5bn in assets […]
The Vicious Cycle – Part 1 – Single vendor policy
Welcome to the jabuticaba.app blog. We will discuss some of the current (and not so current) issues and challenges that banks face, talk a bit about why that is and share what we see as a way out. Chapter 1. The single vendor policy When an organization (we are talking in general, but our focus […]
The Vicious Cycle – Part 2 – The Cloud
Cloud and the opportunity to change This is a bit of a shorter one, but I hope it will be useful. On the previous blog we talked about the plus and minuses of the single vendor strategy. The management of different technologies and software within a banking organization can indeed require significant resources. Each new […]
The Vicious Cycle – Part 3 – The legacy drag
The single vendor policy legacy Now you’re an expert on the merits of single vendor policy, particularly when Saas is not an option. It is important now to understand why financial software stakeholders in the last 20 years have resisted the cloud. A single vendor policy in a banking system can create an ecosystem where […]
Banking book risk and benchmarks…
The textbook definition of commercial and retail banks is one where the loans that the bank extends to its clients is funded by the deposits from their current account holders. These deposits take shape as checking accounts, money market accounts and time deposits. Except for time deposits, bank customers can withdraw their cash at any […]
