Commercial Insights Magazine Winter 2019

Commercial Insights offers Regions Commercial Banking's perspective on current economic issues and supports Regions' efforts to provide our clients with tools and expertise that provide actionable insights for their business. Download the Commercial Insights magazine Winter 2019 Issue.

The Transformers: 5 Trends Sure to Affect Your Business

As a business owner, you’re responsible for more than just the products you make or the customers you serve. Like it or not, those responsibilities extend to a multitude of factors involving technological breakthroughs and the business climate as a whole. As you know, many of these are completely out of your control.

So how do you cope? One way is to be prepared. This issue of Regions Commercial Insights has been created to help you do just that. In “The Transformers” (page 6), we identify, explain and dig into the significance of major challenges and opportunities that will soon impact your day-to-day operations.

Many of the changes explored in this piece stem from technology, and we take on one of them in “How to Protect Against Cyber Threats” (page 3). Others have to do with the broader economic environment, and they receive special attention in “Inflation Is on the Way!” (page 10), as well as in “Hiring in a Tight Labor Market” (page 4).

As always, we’re sensitive to the fact that businesses change as they enter different stages of development, and have included specialized guidance in “5 Questions You Need to Ask Before Raising Capital” (page 1), and “Are You Ready to Acquire?” (page 12).

When you run a business, every day brings fresh transformations. We hope this issue will show that regardless of the business you’re in, we are here to help you explore and find solutions that fit this ever-changing environment.

Raising the Right Capital
These 5 questions can help you make sure you’re getting the right capital for your business. p1

The Company Card
When choosing a line of credit, here are a few key benefits to keep in mind. p2

Secure your company’s digital assets and keep hackers out of your business. p3

Hiring in a Tight Labor Market
A few ideas for winning and keeping talent in a new environment. p4

The Transformers
Five key macro-trends that are changing how businesses do business. p6

Inflation Is On the Way
After years of quiet, inflation is again something to watch—for the economy and your portfolio. p10

Shopping for Growth
These questions can help ensure that your next acquisition is a success. p12

How to Plan for Rising Rates
The Federal Reserve is raising interest rates— is your business ready? p13


This information is provided for educational and general marketing purposes only and should not be construed as a recommendation or suggestion as to the advisability of acquiring, holding or disposing of a particular investment, nor should it be construed as a suggestion or indication that the particular investment or investment course of action described herein is appropriate for any specific retirement investor. In providing this communication, Regions is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity.

This information is general in nature, is provided for educational purposes only, and should not be interpreted as accounting, financial planning, investment, legal or tax advice or relied on for any decisions you may make. Regions encourages you to consult a professional for advice applicable to your specific situation. Although based upon information from sources believed to be reliable and accurate, Regions makes no representation or warranties with respect to the information contained herein. Opinions of authors and contributors are their own and may not reflect the position of Regions and Regions neither endorses nor guarantees any such advice, opinions, products, or services. Regions neither endorses nor guarantees any websites or companies referenced in this publication that are not owned by Regions.