Checking accounts are a core funding engine for financial institutions, yet many ALM models rely on historic assumptions that don’t align with observed consumer behavior. This session draws on anonymized balance and transaction data from over 20 million checking accounts nationwide to reveal how DDAs actually perform. Designed for CFOs and ALCO leaders, the discussion examines balance persistence, transaction velocity, rate sensitivity, and runoff risk—and how these factors materially influence funding strategy. 

Scams are bypassing traditional fraud controls by manipulating legitimate account holders—creating losses, operational strain, and new risks to relationships. In this session, Scamnetic CEO Al Pascual and Kasasa CPO Chris Cohen explain what’s changed, how scams actually work, and how institutions are shifting to proactive protection.