PRI Blog

Many community financial institutions are seeing interchange income come under pressure, even as card usage and consumer spending remain relatively strong. Merchant routing changes, rising network costs, evolving fraud trends, and shifting customer behaviors can all influence program performance, making it difficult to pinpoint specific drivers behind declining revenue. And while interchange may be increasingly […]

Community banks have invested heavily in digital banking over the past decade. New platforms, expanded mobile capabilities, and enhanced self-service tools have become commonplace. Yet technology alone does not guarantee success. While selecting the right platform is important, getting the full value from that investment requires far more than implementation. According to PRI Consultant and […]

September 3, 2026: Profit Resources, Inc. (PRI) is pleased to announce its new affiliation with the American Bankers Association (ABA) Premier Partner Network, strengthening its relationship with the nation’s largest banking trade association and expanding opportunities to support financial institutions across the country. “This partnership represents an exciting opportunity to further expand PRI’s reach and […]

Community banks have long understood that relationships are at the heart of their competitive advantage. Yet when it comes to deposits, many institutions devote considerable time and resources to attracting new balances while paying less attention to protecting the relationships they already have. In today’s increasingly competitive banking environment, that approach can be costly.  According […]

Artificial intelligence has moved rapidly from a futuristic concept to a topic that is hard for community bankers to ignore. It’s showing up in industry headlines, conference sessions and boardroom conversations, accompanied by both lofty promises and stern warnings. Some bankers are eager to explore what AI can do. Others are understandably cautious about privacy, […]

Most community banks recognize the importance of their core system. It does, after all, control nearly every operational process of the bank. However, far fewer realize that the solutions to some of their biggest operational challenges may be hiding in plain sight. Core system parameters are doing the quiet, daily work of determining how accounts […]

Whether evaluating a core provider, preparing for a contract renewal, assessing vendor performance, or considering new technology investments, leaders at community financial institutions are often asked to balance competing priorities while making decisions that will impact their organization for years to come.  In that environment, it’s understandable that banks feel pressure to move quickly. Existing frustrations, vendor proposals, […]

While technology, digital banking and economic uncertainty continue to dominate industry conversations, many bank leaders agree their biggest competitive challenge isn’t technology—it’s people. In fact, a recent study confirmed that 36% of community banks identify talent acquisition and retention as a top concern, with nearly 1 in 4 community banks reporting difficulty attracting compliance and […]

Check fraud remains one of the most persistent and costly threats facing community banks and their business customers. According to Bank Director’s 2026 Risk Survey, 99% of respondents reported that their bank or its customers had been directly impacted by check fraud over the past 18 months. Additionally, the Association for Financial Professionals’ 2026 Payments […]

For financial institutions, capacity planning is not just a staffing exercise—it’s a strategic growth tool. However, banks that rely solely on transaction counts or historical staffing formulas often miss the operational realities—and opportunities—that drive productivity, service quality and profitability. Supercharging capacity planning to make it most effective requires a comprehensive approach that combines accurate volume data, realistic time standards, productivity benchmarks and operational insight to determine the right staffing levels at […]