BankUnderground

MAY 22, 2024

It is calculated by taking a household’s mortgage payments (including interest and principal) and dividing them by their pre-tax income. We find no evidence of a critical threshold The analysis presented in this blog is based on data from two UK household surveys: the Bank of England/NMG survey and the ONS Wealth and Assets Survey (WAS).

Survey 55

Survey Lending Policies Analysis 55

PYMNTS

MAY 6, 2019

Yet, steps to achieve that growth may be difficult, considering the low unemployment and tight labor market, threats of cyberattacks and a continued sentiment that traditional bank financing simply isn’t cutting it for the small business owner. small business. Thirty-two percent of U.S.

Survey 115

Survey America Analysis Data 115

BankUnderground

NOVEMBER 16, 2023

Consistent with previous analysis of aggregate incomes , price indices and business surveys , we find no evidence of a rise in overall profits in the UK – prices have gone up alongside wages, salaries and other input costs. The profit measure we use is earnings before interest and taxes (EBIT), which is a standard accounting measure.

Company 108

Company Trends Policies Taxes 108

PYMNTS

JUNE 13, 2019

It’s undeniably advantageous to the world economy, with a recent study finding that national digital ID systems could induce GDP growth of up to 13 percent. Abnormal transactions are scored on their likelihood of being fraudulent, and can be sent to human agents for further analysis. billion by 2022. with the U.S.

Security 129

Security blockchain San Francisco United States 129

Jeff For Banks

APRIL 22, 2018

Now, if Mother Nature would cooperate… Volatility The markets have been incredibly volatile in the first quarter of 2018. The spike in volatility was a wake-up call to every investor and market participant that thought “vols” would stay historically low forever. This may be the understatement of the year! Welcome to 2018!

Marketing 60

Marketing Philadelphia social media Taxes 60

Jeff For Banks

AUGUST 12, 2018

This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. As well as the economy has been doing from the momentum of tax cuts and reduced regulation, there are always looming issues. We have to live with national interest rates and the Fed and the yield curve affect us all.

Marketing 60

Marketing Philadelphia Omaha US 60

PYMNTS

JULY 30, 2019

may be the world’s hotbed for challenger banks, but it’s not the only market witnessing a surge in bank competition and industry evolution as a result of FinTech pressure. While the company may be operating in a different market than the U.K., Nubank’s own analysis drew similar conclusions to those of Trading Economics, however. “In

User Experience 122

User Experience America Analysis Industry 122

South State Correspondent

JUNE 13, 2022

In this age of social media, global interconnectedness, and market volatility, banks can be one tweet torrent away from a lightning-fast onset of risk. One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Some risks occur slowly; others strike quickly and hard.

Risk Management 195

Risk Management Examples social media Management 195

PYMNTS

JANUARY 12, 2017

Analysis from Bloomberg BNA in its “ 2017 Outlook — International Payroll ” report released just before the new year suggests data protection has become a paramount concern for payroll managers. And as payroll technology continues to evolve, corporates around the globe are struggling to keep up in varying markets faced with unique changes.

Data 100

Data Taxes Compliance Regulation 100

PYMNTS

AUGUST 7, 2018

However, the Federal Reserve ‘s latest analysis of the U.S. corporate lending sphere suggests banks have adjusted the competitive tides, with rising rivalries between each other now driving business lending trends in the nation — though the trend is not all good news for the corporate finance sector.

Lending 100

Lending Survey National Trends 100

BankUnderground

APRIL 6, 2022

Demand shocks confront firms with risks stemming from damage to product and company reputation, customer bankruptcy, entry of new competitors, policies restricting market access, macroeconomic crises, and exchange rate volatility. From the 1990s until recently, shocks rarely involved many sectors/nations simultaneously.

Policies 96

Policies National Analysis System 96

BankUnderground

JANUARY 26, 2023

Changes in the UK housing market trends since the start of the pandemic To analyse trends in the housing markets during the pandemic, we examine differences in growth rates of housing prices across different regions of the UK, as well as across different types of housing (such as flats versus detached, semi-detached or terraced houses).

Regional 101

Regional Analysis Policies Trends 101

FICO

MARCH 17, 2021

Two recent studies have provided a more in-depth analysis of the problem. Department of Treasury report entitled the 2018 National Money Laundering Risk Assessment , identify TBML not only as one of the most used, but also as one of the most difficult to detect methods of money laundering. This study, together with the U.S.

Study 98

Study United States Groups Trends 98

PYMNTS

AUGUST 7, 2018

Demonetization was launched in India in an effort to crack down on the nation’s underground economy, boost tax revenues and encourage the transition to a digital banking infrastructure. However, nearly two years after the policy launched in 2016, cash remains a key component of the nation’s economy. percent from 2016 to 2021.

Report 104

Report Policies Digital Banking Payments 104

PYMNTS

MAY 9, 2016

The majority reported feeling optimistic about their local economies, but less than half (43 percent) said the same about the national market. Still, 39 percent said they expect to be in a better financial position in six months’ time, and 41 percent still say current market conditions are either “good” or excellent.”

America 100

America National Capital Survey 100

Abrigo

JANUARY 28, 2015

Much like tax forms were once frequently completed with just a calculator, pencil and paper, the same is true of a business valuation. Automation means less time entering data, allowing for more time for an analysis. This element is almost entirely analyzed with cost versus benefit.

Taxes 150

Taxes Compliance Course Software 150

PYMNTS

FEBRUARY 3, 2020

Morgan Stanley Research Analyst Kimberly Greenberger said the second half of 2020 is expected to be especially challenging with the looming election — as shift and change in national leadership have some tendency to slow commercial activity because spenders get a bit spooked. The Coronavirus Continues to Cut Down the Chinese Economy .

Bitcoin 132

Bitcoin Data Retail Charlotte 132

PYMNTS

JULY 5, 2018

Some financial institutions, which are required to collect detailed customer information for anti-money laundering, tax and accounting reasons, say the rules have proved onerous to implement alongside these other regulations.”.

Regulation 102

Regulation Data Exercises Online 102

Abrigo

FEBRUARY 10, 2016

But a recent financial statement analysis by Sageworks, a financial information company, provides a look at a larger universe of small companies, finding that this backbone of the U.S. Separately, ADP’s recent National Employment Report showed positive hiring trends among small companies, too.

Data 150

Data Trends Industry Taxes 150

PYMNTS

NOVEMBER 2, 2018

percent, according to an estimate from the National Retail Federation. percent growth the retail market saw one year ago. Amazon is slowing down, but it is also becoming more profitable and it has a large amount of profitable growth ahead,” read one recent analysis on Seeking Alpha. If so, that’s a slower pace than the 5.3

Apple 130

Apple Retail Maine United States 130

TrustBank

DECEMBER 8, 2022

According to the Bureau of Economic Analysis (BEA) US personal saving declined to an anemic 2.3% The BEA calculates the personal saving rate by subtracting taxes from personal income to arrive at “disposable personal income” and then subtracts personal outlays. in October. What’s left is an estimate of personal savings.

US 52

US Policies Taxes Washington 52

Independent Banker

FEBRUARY 24, 2016

Greg Steverson (left) successfully manages a $100 million institutional investment portfolio for Ledyard National Bank in Norwich, Vt. It could arguably be deemed a feat of investing prowess and market prescience to not only manage well in this market, but thrive in it. Greg Steverson, Ledyard National Bank.

Community Bank 70

Community Bank Community Texas Management 70

PYMNTS

JANUARY 19, 2018

If crypto closes down in one place, users can take their anonymous accounts to more regulatory-friendly markets. In South Korea’s case, those friendlier markets could be Hong Kong, Singapore or Japan — which either have a hands-off approach to crypto (Hong Kong, Singapore) or have become enthusiasts for its developing ecosystem (Japan).

Bitcoin 123

Bitcoin Regulation cryptocurrency Taxes 123

PYMNTS

NOVEMBER 2, 2017

Millennials may be able to play a significant role in the future of the small businesses that are sold, but according to Chase’s analysis, veteran business owners are playing a major role in the selling of those businesses. The Veteran Business Owner.

Millennials 116

Millennials Technology Software Taxes 116

PYMNTS

APRIL 10, 2017

But while optimism may be up, plans to hire new staff, boost marketing, or invest in new technology aren’t, with the majority of SMEs saying they have no plans to do any of this in the next six to 12 months. likely fueled by federal plans for tax cuts that could boost corporate profits. Mobile SME loan applications.

Fraud 100

Fraud Lending Mobile Payments 100

PYMNTS

NOVEMBER 6, 2018

Taxes, minimum wage, global trade tariffs — there are a lot of regulatory changes weighing heavily on the minds of U.S. More so than the average SMB, independent pharmacies are particularly affected by the state of the healthcare market and its regulatory shifts. small business owners.

Capital 130

Capital Iowa Management Community 130

PYMNTS

NOVEMBER 23, 2016

” Moody’s and Experian’s analysis offers much to be optimistic about, but U.S. And while Oregon witnessed the largest decline in small business bankruptcy rates, researchers noted that the state has a higher-than-average rate, with the decline helping to bring the state back to the national average. The Good News.

Policies 100

Policies Connecticut Oregon Capital 100

Lex Sokolin

JANUARY 14, 2021

They have not been distributed by fiduciaries to the mass market. Selling a diversified, cheap asset allocation as your core investment is a stable market equilibrium. Like taxes. If you are a financial advisor or a trust company, you have missed out on $1 trillion in capital appreciation for your customers. It is logic.

America 52

America Wyoming National Capital 52

Lex Sokolin

JANUARY 14, 2021

They have not been distributed by fiduciaries to the mass market. Selling a diversified, cheap asset allocation as your core investment is a stable market equilibrium. Like taxes. If you are a financial advisor or a trust company, you have missed out on $1 trillion in capital appreciation for your customers. It is logic.

America 52

America Wyoming National Capital 52

Jeff For Banks

MAY 20, 2017

They need a marketing person to title their reports. To summarize, banking institutions exceeding the concentration levels should have in place enhanced credit risk controls, including stress testing of CRE, and may be subject to further supervisory analysis. The OCC did an excellent analysis of the impact of this guidance in 2013.

Lending 60

Lending Regulation Community Community Bank 60

PYMNTS

DECEMBER 12, 2017

Retail return losses total between $9 billion and $15 billion per year, according to a 2017 survey by the National Retail Federation. In addition, the crime cuts into state sales tax revenue: Tennessee loses more than $14 million a year to return fraud. Retailers themselves are not alone in pushing for further action.

Retail 105

Retail Fraud Cards Florida 105

Jeff For Banks

JANUARY 19, 2013

more “promises,” and a constant flow of new money into the markets. The biggest beneficiary of all this Fed activity has been the stock market—which ended the year at some pretty good “handles,” with the Dow above 13,000, S&P 500 above 1,400, and the Nasdaq above 3,000. Oh, wait, our Congress!

Taxes 70

Taxes Philadelphia DC New Jersey 70

PYMNTS

JUNE 23, 2016

While certain countries in the Eurozone appear to be moving toward becoming cash-free economies, the remaining majority of European countries show positive cash growth, according to analysis conducted for the inaugural PYMNTS.com Global Cash Index™, in collaboration with Cardtronics. Today, cash accounts for 21.4 The result?

ATM 102

ATM Cards Analysis Trends 102

Jeff For Banks

MARCH 27, 2015

The Credit Union National Association (CUNA), the credit union equivalent to the American Bankers'' Association (ABA), states that credit unions exist to serve members, returning earnings to members in the form of lower loan rates, higher interest on deposits, and lower fees. And the taxes. Clearly this remains an emotional issue.

Analysis 60

Analysis Strategy Groups Community 60

Jeff For Banks

AUGUST 4, 2011

I ran a hypothetical analysis on the back of an envelope for Schmidlap National Bank buying a $50 million in deposits branch from First Niagara (see photo). Except if you listen to some of my early adopter bank marketing or IT friends, First Niagara would more likely remit payment via a QR code on their smart phone.

Taxes 65

Taxes New York Conference Analysis 65

NCR

SEPTEMBER 8, 2017

The financial services sector in India has been undergoing something of a revolution of late, largely due to efforts by the government to encourage inclusion in the formal financial system and promote the use of digital payments – with aims to reduce the shadow economy and raise tax revenue among the driving forces.

ATM 85

ATM Payments Industry Taxes 85

CB Insights

NOVEMBER 5, 2019

In May 2019, Barclays released a note estimating the value of Tencent’s fintech business at $123B, or close to a third of the company’s total market cap. In this analysis, we highlight 5 ways Ant Financial and Tencent are continuing to refine their fintech growth playbooks. of the market, respectively.

Fintech 51

Fintech social media Analysis Marketing 51