INSIGHTS

See patterns others can't

White papers, opinions and policy pieces

Proprietary data-driven research and surveys

Macro and markets commentary, investing strategy

Views from around our industry with the latest insights on trading, collateral, funding and liquidity

INSIGHTS

Aerial View: the making of a money squeeze?

Echoes of 2019’s repo market dislocation and concerns about small and mid-size bank weakness have returned, just when a soft landing is within the Fed’s grasp. What needs to be done to avert a liquidity crunch?

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ABOUT US

Our Clients

We are proud of our client relationships, and we are stronger because of them. Read our client stories and learn about the many ways we work to make a difference in our communities and beyond.

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Internship Program

An 8-10 week opportunity for undergraduate students to experience a variety of functional areas within financial services.

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Analyst Program

A 24-month program that offers you growth, development and exposure to impactful projects across many areas of financial services.

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APRIL 2024

BNY Mellon Quarterly Earnings - First Quarter 2024

BNY Mellon is off to an encouraging start for the year, with a solid financial performance, and all our businesses building on their momentum from last year.  In the first quarter, we delivered double-digit EPS growth as well as pre-tax margin and ROTCE expansion on the back of positive operating leverage. 

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Annual Report 2023

FEBRUARY 2024

BNY Mellon Annual Report 2023 - Building on Opportunity

The unique role we play in the financial system comes with tremendous responsibility, and our success is critical not only to our clients’ success, but also the global economy at large. Read our 2023 Annual Report which highlights how we're building on opportunity.

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BankifySM

An innovative pay-by-bank solution to improve the customer value chain.

BNY Mellon’s Bankify solutions can help provide cost-effective and seamless payment services. Bankify was designed to offer an alternative to fees that are associated with card payment methods and make it easier for your customers to pay using their bank account. Settlement guarantees for ACH returns – unique to Bankify – can help mitigate settlement and fraud risk. Bankify can also help boost your account creation and user-onboarding processes through consumer-permissioned data.

 

How can open banking solutions enhance the payments experience for you and your customers? 

IT'S TIME FOR

A DIFFERENT CONVERSATION

BANK ACCOUNT DATA

Frictionless API-powered account linking and data retrieval. Help strengthen your fraud mitigation efforts by authenticating accounts and validating ownership in real-time. 

BANK PAYMENTS VIA ACH

A secure and convenient way for your customers to pay you via our trusted ACH services for a lower cost alternative solution to card payments.

BANK PAYMENTS VIA GUARANTEED ACH

Sole provider of innovative open banking payments solution in the U.S. with optional guarantee services designed to reduce settlement risk by protecting you against ACH returns due to insufficient funds and administrative errors.

Potential Bankify benefits

Systemic two-factor authentication boosts account linking and data-retrieval accuracy. API connections feature bank-grade data.

Avoid costly card payments via lower-cost ACH transaction processing that allows for Same Day settlement, a more cost-effective payment option than others currently available in the market. 

Frictionless user interface that encourages fast and easy sign ups with no bank account or routing numbers needed can help lower abandonment rates.

Fraud mitigation efforts strengthened by account validation in real-time

Reducing friction in your customers’ payment process without compromising your efforts to maintain their payment data integrity is key. Through an API-enabled user interface, BNY Mellon’s Bankify solutions immediately authenticate accounts and bank-sourced data with end-user permission.

Global Treasury management solutions

With perspectives that go beyond common knowledge, our deeper level of market insight can help equip you for what lies ahead—whether it's facilitating faster, frictionless payments, offering intelligent cash management solutions, forward-minded FX, or simplifying cross-border transactions and global trade finance solutions.

Jennifer Barker Quote - "We are taking a collaborative and visionary approach to help accelerate BNY Mellon's innovation strategy"
Jennifer Barker Quote - "We are taking a collaborative and visionary approach to help accelerate BNY Mellon's innovation strategy"

Open Banking in the U.S.: the State of Play

Carl Slabicki, Co-Head of Global Payments for BNY Mellon’s Treasury Services, explores open banking’s development in the U.S., how it is transforming B2C payments, and what more can be done to maximize its potential.

Ready to learn more about Bankify?