Bank Innovation

MARCH 1, 2019

This is up from 35% in 2017, and way up from 18% in 2013, according to Financial Technology Partners’ 2018 Annual Fintech Almanac. Strategic participation in fintech climbed in 2018, with 41% of all fintech financings containing either a corporate VC or strategic investor.

Fintech 170

Fintech Financial Technology Technology Operations 170

CB Insights

AUGUST 1, 2017

This teardown features annotations & commentary by four Social Capital partners. Thanks to the Social Capital team for updating/confirming their portfolio data on the CB Insights Editor. Social Capital is a VC fund with a focus on healthcare and education. CB Insights Note. Investment syndicates. BEST OF DISRUPTION REPORT.

Capital 34

Capital Software Google Company 34

PYMNTS

OCTOBER 25, 2019

Now, the fast-growing operation is tapping into one of the growing trends in payments and commerce by offering online financing for its many partners. To get a better handle on what’s going on — and why OYO is embracing hotel financing — PYMNTS recent talked with Abhinav Sinha, chief operating officer and operating partner at OYO USA.

Online 100

Online US Trends Operations 100

PYMNTS

JUNE 13, 2019

The company was founded in 2013 to “build the world’s first decentralized wireless network,” according to the Helium website. Now the company has recently raised $15 million in capital, bringing its total to some $51 million. Mobile network operators have started the hard work of 5G deployments but there is still a ways to go.

Austin 164

Austin Maine Survey Mobile 164

Insights on Business

APRIL 23, 2018

While the benefits of these industry-leading mainframe platforms have been well documented since its release, this new update to the 2017 hardware expands takes cloud security and data encryption to a new level, and with that is the z14’s application to financial services industry. Technology moves fast.

Security 87

Security Data Analytics Industry 87

PYMNTS

DECEMBER 10, 2018

Capital One made the headlines then – a genius move, many called it at that time, for an issuer that lacked demand in deposit accounts and had no other way to provide a debit-like offering that would make their brand sticky to consumers. The REDCard has seen its growth slow appreciably since 2013, the year of the infamous Target breach.

Branding 184

Branding Cards Payments New Jersey 184

PYMNTS

FEBRUARY 6, 2018

Veterans often find it extremely difficult to secure bank funding, despite the fact that a myriad of programs exist to encourage entrepreneurship among those who have left the military in good standing. Our first base of operations was my basement in Reston, Virginia.”. Veterans , by the numbers, make excellent entrepreneurs.

Lending 119

Lending Virginia United States Capital 119

Abrigo

MAY 5, 2022

Using Data to Acquire, Engage, and Retain Banking Customers,” and “Customer Identity: Balancing Security and Seamless Banking Experiences.” Breaking Banks Breaking Banks , billed as the #1 global fintech podcast and radio show, began in 2013 and is hosted by media firm Provoke.fm. keep me informed. Whitepaper. Asset Liability Modeling.

Community 195

Community Lending Maine Resources 195

Abrigo

OCTOBER 29, 2014

This metric surged from 2 percent as of June 30, 2013, to 4.4 Operational Risk: Lastly, the OCC mentioned an increase in operational risk, and its intent to focus on: • Significant growth areas, new products, new or expanded services and changes in strategic direction. percent as measured on June 30 of this year.

Rhode Island 236

Rhode Island District of Columbia West Virginia New Jersey 236

Abrigo

APRIL 1, 2015

McGrane and Hilsenrath also noted that following the push for higher capital cushions, “regulators are now focusing on corporate governance and the role of directors to ensure banks have the right culture and controls to prevent excessive risk taking.” How complex is the bank’s operating model? How is the management of risk overseen?

Risk Management 150

Risk Management Community Bank Regulation Boston 150

Jeff For Banks

DECEMBER 13, 2018

Total return includes two components: capital appreciation and dividends. This is clearly a turnaround situation, as the bank lost over $12 million in 2010, over 20% of its capital (ouch). The Bank operates five full service offices. It also operates 13 Home Loan Centers in Oregon and Idaho. Oregon Bancorp, Inc.

Oregon 101

Oregon Ohio California Community Bank 101

PYMNTS

AUGUST 11, 2017

According to a report by the country’s 12 regional Federal Reserve banks, over half of all startups report difficulty in securing loans, and 81 percent report having had to dip into their personal funds to cover gaps in their corporate cash flow. We heard about Working Capital and called PayPal,” Lightman said. And they did.

Lending 117

Lending Capital Video Online 117

CB Insights

OCTOBER 21, 2018

The 2018 Fintech 250 have raised approximately $53B in aggregate funding across 947 deals since 2013, and includes startups at different investment stages of development, from early-stage (seed/Series A) companies to well-funded unicorns. Rowe Price, Temasek Holdings, and Primavera Capital Group, among others. Please click to enlarge.

Fintech 78

Fintech Lending Capital Analytics 78

Jeff For Banks

FEBRUARY 3, 2018

In 2013, there were 6,812 FDIC-insured financial institutions. And capital ratios have held steady and strong. In fact, if you listen to some institutional investors, the industry is over-capitalized. And I have never heard a regulator say the phrase "over capitalized". Positive operating leverage! Ski slope down.

Taxes 60

Taxes Regional Industry Trends 60

PYMNTS

AUGUST 15, 2016

According to statistics from the Association of Financial Professionals, 50 percent of companies were still using paper checks as of 2013. If your company is still making payments with paper checks, you’re not capitalizing on today’s best practices. Heck, many consumers still prefer paying with good, old-fashioned checks.

Survey 100

Survey Fraud Payments Data 100

Jeff For Banks

DECEMBER 7, 2019

Total return includes two components: capital appreciation and dividends. I also filtered for anomalies such as recent merger announcements, turnaround situations (losses suffered from 2013 forward), mutual-to-stock conversions, stock dividends/splits without price adjustments, and penny stocks. First Capital, Inc.

Indiana 78

Indiana Oregon South Dakota Community Bank 78

PYMNTS

MAY 13, 2016

The fact that bitcoin’s biggest use case is all about the Dark Web doesn’t really support the notion that it should be loosely regulated — and that there is a huge difference between privacy and security and anonymity when it comes to financial transactions. That fund was filed with the SEC for regulatory approval in July 2013.

Bitcoin 100

Bitcoin blockchain Regulation Operations 100

PYMNTS

JULY 1, 2016

But outside of a drive to take the smarty city concept to a nationwide level, Singapore has also gained recognition for its advancement in innovation-driven entrepreneurship and becoming a startup capital of the world. With an estimated population of just 5.47 million, an unemployment rate of 3 percent and an adult literacy rate of about 96.54

National 133

National Training Bitcoin Samsung 133

Jeff For Banks

DECEMBER 18, 2014

capital appreciation and dividends. For comparison purposes, here are last year''s top five , as measured as of December, 2013: #1. Open Bank (OTCQB: OPBK) Open Bank commenced operations in 2005 as First Standard Bank in the Koreatown section of Los Angeles. This, naturally, eliminated many of the smaller, illiquid FIs.

North Dakota 91

North Dakota Arizona Minnesota Los Angeles 91

PYMNTS

MAY 10, 2016

Renaud Laplanche , Former CEO of Lending Club, in a 2013 interview. But more worrisome, notes Purcell, is that yesterday’s revelations around Lending Club — and its founding CEO’s rapid disappearing act — and what it will mean as these businesses attempt to operate going forward. Skeptical Rumblings. Party hats?

Lending 100

Lending Capital Compliance Operations 100

Fintech Labs Insights

AUGUST 4, 2015

The debt financing adds to the more than $4 million in equity capital Socure has earned. million investment last November that featured participation from ff Venture Capital, Founder Collective, and Two Sigma Ventures. The post Socure Secures $2.5 The company’s last fundraising was a $2.5

Security 12

Security New York City New York Conference 12

PYMNTS

DECEMBER 10, 2016

In one sense, from the point of view of 2013, Laplanche was right to be excited for where Lending Club was headed — it still had some very good times coming up. Access to capital for entrepreneurs is key to restoring real economic mobility, job creation and the economic health of the middle class. So what’s next?

Lending 100

Lending Compliance Capital Marketing 100

PYMNTS

OCTOBER 19, 2016

Pier 1 has seen earnings dive by 45 percent between fiscal years 2013 and 2014, although there was a small increase in the retailer’s revenues. With ship-to-store, customers have the ability to ship orders to their preferred Walgreens store if their residence or workplace isn’t a secure option.” Alden directly blamed London and Alex W.

New York City 100

New York City Retail Mobile Company 100

Fintech Labs Insights

FEBRUARY 25, 2016

The company plans to use the new funds to expand operations, accelerate product development, and introduce new features. Along with the increase in its venture capital investments, Spreedly has grown as well. Originally focused on subscription-based payments, Spreedly pivoted in 2013 to launch a credit card vault in the cloud.

Security 12

Security North Carolina San Francisco New York 12

PYMNTS

SEPTEMBER 9, 2016

You might, when you find out that they were the first to file for a bitcoin Exchange-Traded Fund (ETF) with the Securities and Exchange Commission (SEC). Perhaps not a scalable option in terms of security, but some bitcoin aficionados are finding ways to store coins offline, outside of a central exchange. And do you care?

Bitcoin 100

Bitcoin cryptocurrency Security Taxes 100

CB Insights

AUGUST 16, 2017

Last quarter, the US unicorn “birth rate” ticked up significantly as 9 new VC-backed companies reached $1B+ valuations (compared to only 3 companies in Q1’17), the highest quarterly total since the close of Q3’15, according to our Q2’17 Venture Capital Funding Report with PwC. Valuation: $1.4B. Valuation: $1.3B.

Meeting 68

Meeting US Capital North Carolina 68

CB Insights

NOVEMBER 28, 2017

Using the CB Insights database, we surfaced 7 startups capitalizing on the potential for small-sats to transform space exploration and intelligence. (We Select Investors: Draper Fisher Jurvetson, O’Reilly AlphaTech Ventures, First Round Capital. Select Investors: Space Alliance, RRE Ventures, Vulcan Capital.

Capital 61

Capital Data Industry Company 61

PYMNTS

OCTOBER 1, 2018

Both the Securities and Exchange Commission (SEC) and the Department of Justice (DOJ) have officially ended a two-year investigation of LendingClub, its subsidiary LC Advisors (LCA), its founder and former CEO Renaud Laplanche and its former CFO Carrie Dolan. On Friday (Sept. In 2010, LendingClub added to its war chest with a $24.5

Lending 135

Lending Fraud Management San Francisco 135

CB Insights

MAY 8, 2018

And, although Google searches for “bitcoin” and “blockchain” have slid, companies are still flush with cash from 2017’s ICO boom, cryptocurrency price run-up, and venture capital investment — and are spending it. The rise of security tokens as a distinct asset class. Venture activity. Corporate activity. End of story.”

blockchain 75

blockchain Trends Technology cryptocurrency 75

CB Insights

FEBRUARY 13, 2020

This growth has created major opportunities in the payments space, and companies like Stripe — the payments unicorn valued at a masive $35B — are hungry to capitalize on them. These APIs handle everything from acceptance and processing to settlement and reconciliation, while ensuring compliance and security. Virtual card issuance.

Online 98

Online Company Retail Payments 98

Jeff For Banks

OCTOBER 11, 2011

Liquidity is becoming a problem for these banks, and with their stocks battered daily, they have no ready sources of capital. In August, for the first time since the 1940s, the Fed made a two year “promise”—to keep short term rates at their current exceptionally low levels until mid 2013. They haven’t tried a “twist” since the 1960s.

DC 66

DC Security Washington Risk Management 66

CB Insights

OCTOBER 26, 2020

In the US, legislation emerged to forbid investment banks from prop trading, or trading with their own capital, and forcing them to keep more capital on hand. While the rules against prop trading have more recently been loosened, the restriction has still changed how investment banks operate. Table of contents. STAYING PRIVATE.

Management 78

Management Capital Company Marketing 78

CB Insights

OCTOBER 10, 2018

One of the biggest challenges these companies face is that many operate without a bank charter or license. Both have access to significant financial capital to scale far beyond what’s available to even well-funded startup challengers. Neon quickly secured a new partner, BancoVotorantim, to resume card services.

Retail 78

Retail Cards Millennials Mobile 78

Bankelele

OCTOBER 21, 2015

The total SME lending portfolio in December 2013 was estimated at Kshs. After only a year of the fund’s operation, banks started to lend more to SMEs from their own books, especially Equity Bank, and therefore Treasury did not see any reason for the continued operation of the fund. 332 billion, representing 23.4% It takes 4.5

Lending 28

Lending Capital Analysis Mobile 28

Jeff For Banks

JULY 9, 2012

Stock markets took out their frustrations on JPM stock, knocking it down close to $30 billion in market capitalization, before it began to recover; year-to-date, JPM stock is up 7.5%. and for 2013 by 0.4% Congress hauled Dimon to Washington to testify about the losses; as ever, he handled himself with authority and remained feisty.

Taxes 66

Taxes Washington Risk Management Marketing 66

Jeff For Banks

OCTOBER 19, 2012

First of all, if they continue to buy securities, they are removing many of the high quality securities from the marketplace, possibly causing a disruption or shortage in the markets. trillion of securities amassed during QE1 and QE2. Or should I say “manipulate” interest rates lower? So stay tuned! Thanks for reading.

National 79

National Security US Massachusetts 79

CB Insights

AUGUST 14, 2017

This new unicorn cohort operates across industries, from fitness tech to cybersecurity to enterprise data management. Select Round Investors: Breyer Capital, Sutter Hill Ventures, Wildcat Venture Partners. Select Round Investors: Index Ventures, New Enterprise Associations, Ribbit Capital, Thrive Capital.

US 28

US Capital North Carolina Data 28