As the end of the year draws near, banking journalist and analyst Paul Davis joins the ABA Banking Journal Podcast, sponsored by Intrafi Network, to discuss the bank mergers and acquisitions outlook for 2023. Among other topics, Davis discusses: Factors driving lower M&A rates in 2022 Why interest rate trends may make banks more attractive to investors and less attractive for acquisitions by banks The trend of investment groups purchasing bank charters How depressed valuations in the fintech sector may affect bank M&A and de novo activity