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Supporting Hedge Strategies with Funding Built for Balance Sheet Optimization

As interest rate environments continue to evolve, balance sheet management is a significant factor in optimizing hedge strategies. Inconsistent balances, repricing mismatches, or operational constraints can undermine balance sheet objectives […]

R&T’s Chief Information Officer on AI Adoption

By: Mieko Shibata, Chief Information Officer, R&T Deposit Solutions Successful AI adoption isn’t about chasing the latest tools. Mieko Shibata explains that thriving with AI depends on building the leadership, […]

Stablecoins Move to the Banking Core

For years, the term “stablecoin” sat comfortably on the edge of traditional banking, associated more with crypto trading desks than commercial bank balance sheets. That is no longer the case. […]

Building Resilient Deposit Infrastructure in Support of Modern Bank-FinTech Partnerships

In May 2024, the Synapse collapse froze $160 million in customer funds across multiple FinTech programs. Despite representations regarding daily access and FDIC insurance coverage, reconciliation failures exposed ownership gaps […]

Insured Deposit Sweeps vs Money Market Mutual Funds

Cash Sweep vs Money Market Funds: A Strategic Comparison of Liquidity Solutions

When capital preservation, liquidity, and yield are top priorities, financial institutions and wealth managers often choose between cash sweep programs and Money Market Funds (MMFs). While both aim to preserve […]

2026 Deposit Imperatives Amid Volatility, Digital Disruption, and Regulatory Change

R&T and Darling Consulting Group examine how macroeconomic shifts, regulatory change, and digital innovation are reshaping deposit strategy, liquidity management, and institutional resilience.

The Evolution of the BaaS Landscape

Kevin Bannerton, Chief Business Development Officer, examines how sponsor banks can address balance sheet challenges in BaaS programs by leveraging scalable deposit network solutions to manage concentration risk and access […]