The deposit runs of 2023 have forced banks to change how they think about stability. Contrary to the popular narrative, the issue isn’t simply how fast money can move; large corporate and institutional depositors have been able to move funds quickly for years. What’s changed is how quickly information and concerns can spread among them.
That shift reframes the role of technology. Its impact is less about transaction speed and more about communication and coordination. As a result, who your depositors are—and how connected they are—matters as much as how much they hold. Also, the same channels that can amplify panic can also reinforce confidence, depending on how they’re used.
So, what does this mean for bank leaders? Review our new executive brief for the key takeaways.