PYMNTS

NOVEMBER 16, 2020

In the wake of the 2008 global financial crisis, and banks' subsequent pullback from the small- to medium-sized business ( SMB ) lending arena, a slew of alternative lenders emerged onto the scene to fill the credit gap. In Canada, one of those alternative players is Thinking Capital.

Lending 289

Lending Technology Capital Meeting 289

South State Correspondent

MAY 9, 2023

private and public lending markets are the world’s envy, with a wide availability of financing options for many capital seekers across the entire capital stack. We believe any change to the FDIC insurance coverage should aim to maintain and advance our credit markets.

FDIC 195

FDIC Regulation Capital Management 195

PYMNTS

NOVEMBER 16, 2017

Put a different way: If you open a country’s financial markets, will the (foreign) banks bring the capital? News came last week that China offered up plans to let outside investors into its markets — allowing for stakes big enough to take control of that country’s financial companies.

Marketing 101

Marketing Capital Lending Course 101

PYMNTS

NOVEMBER 23, 2017

On the face of it, China’s announcement that it would open its financial markets to increased ownership by foreign companies seems a sea change. So, with the caps uncapped, it follows that Western firms and companies will be operating in environments where investment pickings might be relatively slim.

Marketing 128

Marketing Lending Security Regulation 128

BankUnderground

FEBRUARY 5, 2021

Emerging markets (EMs) have become more exposed to the global financial cycle in recent years. In a recent paper , we propose the use of money market rates to measure transmission of global funding shocks to EMs. Money markets have been shown to play an important role in transmission of global funding conditions.

Marketing 98

Marketing Policies Study Tools 98

PYMNTS

JANUARY 6, 2020

According to the survey, while revenues grew for most, the percentage of firms operating at a profit remained unchanged from the previous year’s report. The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups.

Survey 130

Survey US Capital Lending 130

PYMNTS

JULY 7, 2020

The level of market volatility hitting the U.S. and other nations around the world as a result of the global pandemic continues to draw comparisons to the 2008 financial crisis — so it’s only natural that analysts may turn to the past in an effort to predict what could lie ahead. ” A Banking Pullback?

Lending 171

Lending Industry Fintech UX 171

PYMNTS

APRIL 3, 2020

The market capitalization of Expedia was down 58 percent, Hilton, 44 percent and Booking.com 37 percent. The Silicon Valley startup unicorn was founded in 2008 by Brian Chesky, Joe Gebbia and Nathan Blecharczyk. Internal forecasts anticipate the company will get back up to its 2019 revenue levels by January 2021.

Regional 140

Regional Meeting Capital Report 140

Abrigo

DECEMBER 22, 2023

Those read most often in the past year include several that offer practical advice for operating ALM and CECL models. Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions.

Risk Management 221

Risk Management Regulation Management Lending 221

PYMNTS

MARCH 10, 2020

In markets like Southeast Asia, high rates of credit-invisible, underbanked small businesses make filling the small business credit gap an even more difficult challenge. It’s a self-perpetuating scenario that keeps barriers to capital in place. In exchange, Grab gains greater visibility into SMB operations and performance. “By

Data 193

Data Lending Capital social media 193

PYMNTS

FEBRUARY 22, 2019

has reached pre-2008 levels, meaning banks are facing risk that is elevated above what has been seen since the financial crisis. “If operating conditions in the U.S. All in, the leveraged loan market in the U.S. According to recent data from Moody’s investor services, corporate leverage in the U.S. “U.S.

Lending 116

Lending Marketing Capital Maine 116

Jeff For Banks

AUGUST 3, 2020

It's what we did in 2008-10. Capital aplenty. Unlike 2008, banks were not the bane of our problems. In 2008, we were in the eye of the storm. The below chart shows S&P Global Market Intelligence estimates for the rise in bank non-performing assets. And our collective capital position is much stronger than 2008.

Community Bank 88

Community Bank Community Capital Analytics 88

PYMNTS

SEPTEMBER 24, 2020

The reality is, anyone can give out capital," Shah continued. "It There is growing talk, too, of FIs pulling back from small business loans as they did in the wake of the 2008 financial crisis. As such, a regionally focused financial institution could be best-positioned to address those fluctuating market needs.

Community 193

Community Community Bank Regional Lending 193

PYMNTS

JULY 2, 2019

The 2008 global financial crisis forced traditional banks to pull back from small businesses (SMBs) considered too risky and unprofitable to finance, leaving a gap in the market for alternative lenders and FinTech firms to fill. The bank-FinTech collaboration trend has hit the small business customer segment particularly strong.

Fintech 125

Fintech Resources Capital Trends 125

PYMNTS

NOVEMBER 3, 2020

In particular, FLEETCOR is looking for companies to strengthen its position in the fuel, tolls, lodging, and payables spaces, and for companies operating in new regions. He added that “higher quality” companies are likely to tap the equity markets. People don’t want to sell for 20% or less,” Greene told Barron’s.

eBook 141

eBook Payments Regional Company 141

PYMNTS

JUNE 18, 2019

It was said to have become “the market leader” in some countries such as Ireland and the U.K. The growth path of the company in addition to the larger opportunity in social media helped it get acquired by AOL for approximately $850 million in 2008. Bebo began in 2005 as a social networking platform by Michael and Xochi Birch.

social media 108

social media Millennials Video Report 108

PYMNTS

JULY 17, 2019

Financial institutions are in a constant balancing act: open up access to capital for borrowers to promote economic growth and financial inclusion and mitigate against the risk exposure lending produces — sometimes with disastrous implications for the global economy.

Data 130

Data Management Analytics Compliance 130

PYMNTS

MAY 29, 2019

. “ICC, for its part, is proactively working with regulatory bodies worldwide to promote the fair treatment of the industry and increase access to the market.” ” The report explains, “Correspondent banking relationships are critical for bridging the link between emerging markets and the global economy.”

Regulation 108

Regulation Compliance Capital Resources 108

Abrigo

JULY 20, 2021

B y marketing that your financial institution offers SBA loan origination, you provide additional products that expand opportunities to businesses. In the secondary market, guaranteed loans are liquid and command a premium. Offering SBA lending at the institution is a good way to “get in the door” with good credits.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

B y marketing that your financial institution offers SBA loans, you provide additional products that expand opportunities to businesses. I’d say do it right now.” Wear noted that in the 2008 financial crisis, when the SBA similarly increased guarantees of 7(a) loans to 90%, it ran out of funding before the end of the fiscal year. “I

Lending 195

Lending FDIC Capital Risk Management 195

PYMNTS

MARCH 18, 2016

The alternative small business lending market took home the biggest slice of cake this week with about $33.5 million worth of venture capital across two deals. But it was the big names from Google, Cisco and Hewlett-Packard that made for the week’s largest enterprise-focused venture capital round. SME Finance. SME lender EZBob.

Lending 100

Lending Capital Google Security 100

PYMNTS

APRIL 25, 2017

To move into a greater number of markets, international online home goods retailer vidaXL recently selected global marketplace solutions provider Mirakl to support its growth plans. and Australia, looks to grow its retail categories and the number of markets, as well as streamlining its eCommerce operations.

Online 100

Online Retail Branding US 100

PYMNTS

OCTOBER 1, 2019

When reverse factoring is used to “stretch working capital,” Moody’s said, or when a customer’s credit quality degrades, risks can mount. And if there’s a downturn in your market and you face a setback, you’re more likely to fail.”. billion from the GAM Greensill Supply Chain Finance investment fund, operated by GAM and Greensill.

Tools 160

Tools Capital Strategy Lending 160

PYMNTS

MARCH 10, 2020

The company already booked more revenue than it did for all of 2019, which was its first year in operation. Marketing to these groups is still a successful work in progress. “We We operate almost purely on word of mouth, really,” Hayes said. “We office furniture market size was estimated at $10.74 billion USD in 2016.

United States 130

United States Course Groups Retail 130

BankUnderground

JANUARY 26, 2022

The 2008 global financial crisis showed the need for effective macroprudential policy. We found that capital requirements reduce the effects of financial shocks. The model also features firms, which borrow from banks to finance their working capital needs and face costs of adjusting prices. Model 2 added capital requirements.

Policies 91

Policies Capital Lending Tools 91

PYMNTS

MARCH 27, 2019

Dries Verboven, market manager of regulatory reporting at Wolters Kluwer Finance, Risk & Reporting, says it’s all about data, which is both the key to regulatory compliance, and to a more efficient and profitable operation for the entire institution. From Burden To Opportunity.

Compliance 116

Compliance Data Regulation Analytics 116

PYMNTS

SEPTEMBER 14, 2017

In recent years, banks have even seen greater competition in the lending market from new FinTech players that can quickly approve loan applications and distribute funds to lenders. Some of the biggest players in the alt-lending space, including Kabbage, OnDeck and Square Capital, partner with Celtic Bank for issuing loans.

Innovation 191

Innovation Lending Fintech Bitcoin 191

Gonzobanker

JULY 10, 2020

Regardless of their viewpoints on capital recovery, now is the time for banking leaders to reevaluate their planning strategies. In a recent Fortune survey, 55% of corporate executives said they expect to return to 2019 capital spending levels sometime in 2021. What businesses need capital in the interim? Capital will be king!

Risk Management 88

Risk Management Capital Strategy social media 88

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. Banks that take too much risk fail, and banks that take too little risk produce returns below their cost of capital and either get acquired or driven out of business.

Risk Management 195

Risk Management Examples social media Management 195

BankUnderground

OCTOBER 13, 2022

By 1866, Walter Bagehot formulated the now classic rationale for a lender of last resort (LoLR) after the demise of Overend Gurney , a broker that evolved into something like a money market fund. Addressing this in the conventional financial system was part of the post 2008 crisis response.

cryptocurrency 100

cryptocurrency System Bitcoin Policies 100

PYMNTS

SEPTEMBER 19, 2018

Broadening access to trade finance and small business (SMB) loans can help small suppliers that face lengthy payment terms from their large corporate customers to ensure operations (and cash) flow smoothly — even while they wait months to see an invoice settled. Solna , a new U.K.-based

Payments 161

Payments Strategy Fintech Capital 161

Independent Banker

MAY 2, 2016

It was the culmination of efforts over the past four years to recover from the impacts of the downturn in the economy that began in 2008. Our local market was heavily impacted by the decline in property values and high unemployment rates, both of which lingered for several years.

Community 70

Community Capital Taxes Management 70

BankUnderground

JULY 20, 2021

a) Gross debt to earnings is calculated as gross debt as a percentage of a four-quarter moving sum of gross operating surplus. Gross operating surplus is adjusted for financial intermediation services indirectly measured. (b) High corporate leverage may also increase the sensitivity of corporates to the housing market.

Policies 103

Policies US Marketing Capital 103

PYMNTS

FEBRUARY 16, 2018

Despite retail’s slump, the stock market did well in 2017. Consequently, some of Home Depot’s strength came from the overall strength of the market. Since it was real estate that had tanked the economy, the market more or less froze solid for all but the well-capitalized. However, Home Depot was hit especially hard.

Retail 101

Retail Training Atlanta Marketing 101

Gonzobanker

DECEMBER 19, 2022

2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought. 2008 called and wants its headlines back. banks by market value.”. Thanks for elevating the pressing need for bankers to think more like marketers. with Coinbase alone attracting $86 billion.

Community 216

Community Fintech Industry Innovation 216

BankUnderground

APRIL 3, 2024

Throughout the blog, we argue that it is useful to have a flow of funds lens to provide the ‘macro’ context in which ‘macro-pru’ policy operates. The increase in debt levels saw the aggregate household debt to income ratio (excluding student loans) increase between 2004 to 2008.

Lending 64

Lending Analysis Policies Trends 64

BankUnderground

JANUARY 27, 2021

One key message stands out: banks that are more rooted in their market are much more likely to continue lending when faced with the economic fallout from such shock. Banks without access did not shore up their finances by borrowing on the interbank market, but curtailed their lending instead. Balance sheet adjustments.

Lending 70

Lending Study Marketing Capital 70