In the News

"We're looking at the law of unintended consequences. We may see a 'COVID-type' impact on supply chains, and then have prices going up," John Meyer, a managing director at Cornerstone Advisors, told American Banker. "Much like the beginning of the pandemic, you'll have not just higher prices for supplies, but also uncertainty about the supplies."

Distributing Affirm's card product across multiple sponsor banks helps Affirm get the most out of debit interchange, which is capped for financial institutions with assets over $10 billion, said Tony DeSanctis, senior director at Cornerstone Advisors.

Without a more concerted attempt to define and demonstrate ethical behavior, the romanticization of fintech’s alleged moral superiority is going to backfire.

A study by banking research firm Cornerstone Advisors found that it’s not unusual for Gen Z or Millennial couples to transact business with 30 to 40 financial providers. Another study by banking research firm Cornerstone Advisors in 2021 found that it’s not unusual for Gen Z or Millennial couples to transact business with 30 to 40 financial providers. “Americans’ financial lives have become more complex," says Ron Shevlin, the firm’s chief research officer.

One of the stressors around ISO 20022 is that it's a new format and a new requirement, not a payment transition where both old and new are supported, similar to the shift in payment cards from magnetic stripe to EMV, Jessica Pinkston, a senior director at Cornerstone Advisors, told American Banker.

Chime has 38 million customers, according to research from Cornerstone Advisors, and more primary customers than JPMorgan Chase with about half of the neobank's customers considering it to be their primary checking account provider.

Cornerstone Advisors will explore what it really means to make the digital channel a revenue driver, providing actionable insights for financial institutions. This session will break down key strategies, business models, and technology investments that support a profitable digital banking approach.

Customer acquisition cost (CAC): Few metrics in the banking and fintech arena are as hard to reliably quantify as this one. Luckily, a new study from Fintel Connect, 2025 Cost Per Acquisition Benchmarking Guide for Financial Services, provides some much-needed reality checks.

A new study by Cornerstone Advisors reveals 80% of bankers are optimistic about 2025.

“What’s Going On in Banking 2025” authored by Ron Shevlin, chief research officer at Cornerstone Advisors, found that deposit gathering was a top concern for bankers - right up there with cybersecurity, cost of funds, and improving efficiency.