PYMNTS

MAY 10, 2016

But, of course, no two consumers are exactly alike – especially when comparing consumers across different regions of the world. ” He added that in 2016, roughly a quarter of European banking revenue (€128B) will come from retail payments. market in July 2015 and March 2016, respectively. 2016 German Payment Study.

Regional 100

Regional Payments Study Cards 100

PYMNTS

JANUARY 25, 2017

Will 2016 once again present an explosion in alt-lending transaction value? According to Robert Wardrop, executive director of the Cambridge Centre for Alternative Finance, the upcoming report on the issue will look to answer that — though the financial value of alternative lending may not be the right question to answer this year.

America 100

America Lending Regulation Regional 100

PYMNTS

MAY 30, 2018

Financing of all sorts was on the downswing, and SMB owners began dipping into their own piggy banks before seeking a lending agreement. That finding comes care of data gathered by 12 regional Federal Reserve banks in a survey conducted over the third and fourth quarter of 2017. In the 10 years following the financial crisis, the U.S.

Lending 115

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PYMNTS

AUGUST 1, 2018

Small businesses are essential job generators, and the major driver of economic growth and vibrancy for all regions of the country.”. It is critical that we respond to the needs and concerns of Main Street America,” said Snowe in a statement. She noted that the risks of bad actors should be considered as part of the reforms made.

Policies 100

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PYMNTS

JANUARY 29, 2018

China’s rising levels of corporate debt are in the headlines again with the nation’s banking regulator reportedly introducing to lower debt levels. Regulators must keep clear heads and cannot be blindly optimistic,” the regulator stated in its report. Reports in Reuters said Friday (Jan.

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National Regulation New York Regional 100

PYMNTS

JANUARY 31, 2019

The bank is one of several newly proposed community banks in the region, with goals of disrupting the financial services landscape, including business and corporate banking. The FDIC held a meeting in 2016 with community bankers about their concerns with facing competitive headwinds, not only from large FIs, but from FinTech firms as well. “I

Community Bank 122

Community Bank Community FDIC Marketing 122

BankUnderground

MAY 22, 2024

Some countries restrict lending to borrowers with high debt-servicing burdens There are different metrics that measure a household’s debt-servicing burden. Some countries have regulations in place that restrict lenders’ ability to issue mortgages to borrowers that exceed certain DSR limits.

Survey 55

Survey Lending Policies Analysis 55

PYMNTS

OCTOBER 1, 2018

The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements. The build-back from the revelations of 2016 was a bit more of a lengthy process.

Lending 135

Lending Fraud Management San Francisco 135

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

Community Bank 131

Community Bank Community Fintech Lending 131

Abrigo

JULY 7, 2022

What Will Auditors and Regulators Expect with CECL Accounting? A panel of CECL accounting experts described how auditors and regulators are viewing various aspects of implementation. . Takeaway 2 Auditors and regulators don't have preconceived expectations about how CECL reserves might change for an institution.

Regulation 195

Regulation Management Video Data 195

PYMNTS

APRIL 16, 2019

The overhaul was put forth by the European Commission in November of 2016, and it mandates the amount of cash a bank has to put aside to be able to absorb losses. Also, banks will have to hold a minimum amount of funds against lending risks, to increase financial stability.

System 116

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PYMNTS

AUGUST 30, 2017

While the homeowner was initially told that Wells Fargo would pay to extend the home interest rate lock, a regional manager reversed that decision, according to court documents. Truth in Lending Act. Real Estate Settlement Procedures Act and the U.S.

San Francisco 121

San Francisco Nevada Regional Analysis 121

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 with access to central bank liquidity continued or even expanded their lending. A pandemic or natural disaster can impact lending in several ways.

Lending 70

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PYMNTS

AUGUST 14, 2017

The combined entity, using annual data at the end of 2016, will be processing at least $1.5 The Hill reports that regulators have fined those companies “significantly less” during the dawn of the Trump era than had been seen over the same timeframe last year. Specifically, the agreement for U.S. Outside the U.S.,

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PYMNTS

NOVEMBER 22, 2018

But the seismic changes above just as easily refer to Brexit years after the historic 2016 vote marking a thumbs up to a historic divorce. Critics charge that equivalency can be revoked by regulators in Brussels, and that the U.K. Empires and economic systems are transformed and borders redrawn, with global impact.

Fintech 156

Fintech Regulation Course Cards 156

PYMNTS

MAY 30, 2016

CHAPS payment scheme in 2015 , and the infrastructure is used primarily for corporate treasury payments , according to the latest data from UK Payment Markets 2016.The Wells told reporters that it has its own guidelines to asses whether it will lend to a business or not. billion in sales for FY 2016.

Analysis 100

Analysis America Guidelines Lending 100

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Several trends have arisen that are likely to continue shaping the commercial lending market. Here are five commercial lending trends from some of the industry’s top commercial lenders.

Trends 79

Trends Community Bank Lending Community 79

William Mills

SEPTEMBER 9, 2016

William Mills Agency will be live blogging at Finovate Fall 2016. I believe SEC regulations require a company to go public if they have more than 500 shareholders. Demo: Customer Insight Dashboard for Regional Manager who can view their forward looking metrics such as customer attrition and look forward several quarters.

social media 40

social media ATM Mobile Customer Experience 40

Tefkin

JANUARY 5, 2016

Looking at 2016 with the experience of the past 7 years in financial services. While banks are still experiencing the effect of the crisis notably through restrictive regulation and a continuing string of financial scandals, their public messaging is one of innovation and change. it will be a pivotal year for financial services.

Fintech 31

Fintech Marketing Maine Trends 31

PYMNTS

APRIL 9, 2016

But, as it turns out, 2016 has been a pretty good year for CEOs and other leaders bringing the color to the commentary. Dimon went on to discuss, at some length, the “mission-critical” services that big banks can supply are the types of things “regional and community banks simply cannot do.”. So then the argument broke out.

Regulation 100

Regulation Lending Omaha America 100

PYMNTS

FEBRUARY 28, 2018

More sellers and products can mean less visibility into what is being listed, thus leading to issues like counterfeit products — or the sale of controlled substances such as health supplements that may not be approved in certain regions. A digital U.S.

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blockchain System cryptocurrency Regional 100

CB Insights

DECEMBER 7, 2017

As of September 2016, that share dropped to 21%. In 2016, non-bank lenders like Quicken Loans accounted for six of the top 10. Quicken Loans founder Dan Gilbert’s innovation in mortgages was to assign regional-specific loan application reviewers, who familiarized themselves with the regulations of certain geographies.

Millennials 69

Millennials Lending United States Technology 69

PYMNTS

SEPTEMBER 22, 2017

That’s nearly a billion dollars in funding, comparing favorably with the 45 percent logged in 2016. The slowdown in new businesses being founded in the 1980s and 90s was largely quarantined to certain segments – especially retail, where corner stores and regional brands were falling to larger national chains.

US 108

US Apple Innovation Regulation 108

American Banker

JUNE 27, 2016

Perhaps you read on vacation to escape the financial services grind, or perhaps you read to hone your business craft. Numerous titles on this year's list — recommended by American Banker readers, BankThink contributors, our staff and others — fall somewhere in between. Read about the lives of figures like Elon Musk or Barney Frank.

How To 33

How To Management Community Bank Regional 33

CB Insights

DECEMBER 4, 2019

Through trial and error, the company has set up key financial pillars across payments, cash deposits, and lending. The regions involved in the initial pilot included Colombia, Chile, Hong Kong, Kenya, Indonesia, Malaysia, the Philippines, Peru, Taiwan, and Thailand. Amazon Lending. Amazon SMB Lending. Closing thoughts.

Cards 101

Cards Lending Strategy US 101

CB Insights

FEBRUARY 1, 2019

Two that are already seeing lots of activity are payments and lending. Meanwhile, alternative lending is also seeing strong growth, with P2P fintech platforms distributing $1.4B Indonesia’s insurance industry has yet to see the same level of competition or startup investment as payments or lending. in premiums in 2016.

Policies 61

Policies Lending Operations Examples 61

CB Insights

FEBRUARY 13, 2020

Business lending and corporate cards. This process also comes with hurdles like regulations, fees, compliance standards, and payment card issuers — all of which become increasingly complex for international transactions. Most recently, Stripe has launched a Corporate Card and a Lending product geared towards small businesses.

Online 98

Online Company Retail Payments 98

Gonzobanker

DECEMBER 19, 2016

What words describe 2016 GonzoBankers? We hope you enjoy our take on the good, the bad and the bigly of 2016. . The 2016 Headline That Will Give You a Headache – “Wells Fargo CEO Says the Ethics Hotline Was Mostly Ethical.” Maybe a regulator was out sick or on maternity leave, but this is one crawling bureaucratic nightmare.

Utah 60

Utah System Community Marketing 60

Gonzobanker

DECEMBER 19, 2016

What words describe 2016 GonzoBankers? We hope you enjoy our take on the good, the bad and the bigly of 2016. . The 2016 Headline That Will Give You a Headache – “Wells Fargo CEO Says the Ethics Hotline Was Mostly Ethical.” Maybe a regulator was out sick or on maternity leave, but this is one crawling bureaucratic nightmare.

Utah 60

Utah System Community Marketing 60

CB Insights

MARCH 8, 2018

The UK, in particular, has seen the most challenger bank activity compared to other regions, as a result of progressive regulations enacted to promote competition and break up the banking monopoly. How challenger banks leveraged regulation. How new regulations help challengers expand services. What we’re watching in 2018.

Retail 78

Retail Digital Banking Fintech Regulation 78

American Banker

DECEMBER 30, 2016

From Dimon's campaign against earnings guidance to the bottom-line implications of rising rates, here are more of our favorite stories of the year. See part I here.).

Community Bank 30

Community Bank Regional National Community 30

American Banker

DECEMBER 23, 2016

From the election's policy implications for banking to deep analysis of the Wells Fargo scandal, here are some of our favorite stories of the year. Stay tuned for Part II.

Analysis 28

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Fintech Labs Insights

NOVEMBER 18, 2016

During the company’s demo at FinovateFall 2016 in New York, Senior Manager Masato Kubota said, “Wallet+ removes the stress for target achievement and offers a new user experience by creating an ecosystem with your customers and their savings.” Company facts: Founded in 2016. Headquartered in Japan.

Marketing 12

Marketing Regional User Experience New York 12

PYMNTS

OCTOBER 14, 2016

Since launching Instant Delivery, UberEATS has significantly expanded from allowing people in downtown to pick four to five meals during the lunch hour to offering thousands of items at all hours of the day and throughout the Puget Sound region. Analysts also say that at least 20 percent of Samsung’s would-be sales will now head Apple’s way.

Apple 100

Apple Course Samsung San Francisco 100

CB Insights

MAY 23, 2019

Zenefits skirts compliance regulations. Zenefits skirts compliance regulations. In addition, regulators claimed that as many as 80% of insurance plans sold in Washington state by Zenefits reps were sold illegally by unlicensed brokers. In February 2016, Conrad stepped down and resigned his position as a company director.

Fraud 78

Fraud Las Vegas Company Video 78

Fintech Labs Insights

MAY 17, 2017

Our customers span all asset classes – from $150 million in assets to over $200 billion – and include community and regional banks, credit unions, challenger banks and large enterprise institutions. Snell: nCino’s client portfolio consists of more than 130 financial institutions in North America and Europe.

System 14

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Fintech Labs Insights

MAY 17, 2017

Our customers span all asset classes – from $150 million in assets to over $200 billion – and include community and regional banks, credit unions, challenger banks and large enterprise institutions. Snell: nCino’s client portfolio consists of more than 130 financial institutions in North America and Europe.

System 13

System Operations North Carolina Compliance 13