PYMNTS

AUGUST 1, 2017

With home loan growth expected to slow to 4 percent in 2018, National Australia Bank (NAB) wants to build its business elsewhere, namely in SME lending. Australian regulators have been pressuring the nation’s top banks to improve their small business lending practices.

National 100

National Lending Capital Regulation 100

PYMNTS

APRIL 29, 2019

Twenty-nine percent of SMB CEOs said economic conditions had recently improved , Vistage’s Q1 analysis revealed, a significant decline from the 44 percent who said the same in Q4 2018, and even more of a drop from the 62 percent who agreed in Q1 2018. middle-market in the recently released Golub Capital Altman Index.

Lending 168

Lending Michigan Community National 168

PYMNTS

JANUARY 9, 2020

China’s peer-to-peer (P2P) lending market is headed for more turbulence in 2020 as more of its popular platforms face potentially being shut down as the government tightens regulatory reins. Gansu, Hebei, Hunan, Chongqing and Sichuan were among Chinese provinces ordering a total shutdown of P2P lending in 2019. billion yuan (US$70.4

Lending 131

Lending Regulation Capital Industry 131

PYMNTS

NOVEMBER 11, 2020

The State Administration for Market Regulation — China’s regulator — said on Tuesday (Nov. The decree from Chinese regulators followed the suspension of Ant’s initial public offering (IPO) in Shanghai and Hong Kong. 2), China’s central bank and regulators outlined new rules for digital micro-lending.

Regulation 207

Regulation Marketing Groups Lending 207

PYMNTS

JANUARY 25, 2021

In today’s top payments news around the world, India’s central bank wants stricter regulations for big shadow lenders, while global foreign direct investment (FDI) dropped last year and the pandemic will continue to impact it this year. The central bank of India wants more stringent regulations for large shadow lenders.

United States 217

United States Regulation Payments Lending 217

PYMNTS

SEPTEMBER 28, 2016

Capital, capital everywhere — but, for big U.S. As reported earlier this week, the Federal Reserve is boosting capital requirements for the biggest U.S. banks as part of a new series of rules that take effect in 2018. bank investors, the old Seinfeld punchline: “No dividends for you!”. For the bigger banks.

Capital 100

Capital Strategy America Policies 100

PYMNTS

MARCH 12, 2019

Chinese regulators continue to crack down on shadow and alternative lending: Their latest target is the pawn shop financing space, which is often used by small businesses for quick capital. Average loan sizes now exceed $26,000, while in the U.S., the average size of a pawn shop loan is about $100, according to the publication.

Regulation 109

Regulation Lending Capital Report 109

PYMNTS

DECEMBER 1, 2019

A source told the Financial Times that Zopa will receive the funds from an entity linked to IAG Capital Partners, a U.S.-based Launched in 2005, Zopa is considered one of the world’s first P2P lenders, lending almost £4 billion to consumers in the U.K. based fund, and its U.K. investment vehicle Silverstripe. since its inception.

Digital Banking 142

Digital Banking Capital Regulation Lending 142

PYMNTS

NOVEMBER 20, 2018

According to the latest Q3 2018 TransUnion’s Industry Insights Report the back half of 2018 has been a good year for sub-prime borrowers looking for access to credit. In some areas, the growth in sub-prime lending matches overall growth in the segment, with credit cards and personal loans as the best example.

Lending 188

Lending Trends Cards Capital 188

PYMNTS

FEBRUARY 14, 2018

The bank is aiming to get its capital levels to around 10 percent during the next two or three years, noted Reuters. Wells can still lend and take deposits. Three board members are on track to be replaced by April and a fourth by the end of 2018. It’s never as fast as I would like, but it’s absolutely occurring.”

Regulation 100

Regulation Conference Compliance Lending 100

CB Insights

APRIL 10, 2019

E-commerce enablement company Klarna raised $108M from BESTSELLER , Permira , and Sequoia Capital , taking the company’s total funding to $497M. Both Permira and Sequoia Capital have previously invested in the startup. as of October 2018, following a minority investment from fast fashion provider H&M.

Lending 29

Lending blockchain Regulation Capital 29

PYMNTS

AUGUST 14, 2019

In Australia, this blurred line between small business and consumer financial services became the focus of a recent SmartCompany report highlighting the challenge that small business owners face when seeking working capital. There is a “blurring in the line between lending to small business and personal credit,” she added.

Lending 122

Lending Cards FDIC Capital 122

PYMNTS

JUNE 21, 2019

Chinese P2P lending company Dianrong, which offers lending solutions and investment products, has completed its latest funding round, according to reports. Standard Chartered Private Equity was the main investor, and Affirma Capital also participated in the round. The company is known as the “lending club of China.”

Lending 100

Lending Capital Maine Groups 100

PYMNTS

AUGUST 21, 2020

The move “will enable it to capitalize on the accelerating transition of millions of bank customers from branch-based activity to digital services during the COVID-19 pandemic,” the news outlet said. financial regulator Clive Adamson, the report said. Goldman Sachs, another Wall Street giant, launched its digital bank, Marcus, in 2018.

Report 173

Report Digital Banking Lending Technology 173

PYMNTS

APRIL 13, 2020

percent in 2018, to 59.5 In this context, the Dutch Authority of Financial Markets has turned to embracing FinTech players in the market to support SMBs, with the regulator’s latest approval going to Finturi. percent in 2019. “Normally the loans are too small to be profitable.”

blockchain 155

blockchain Capital Regulation Fintech 155

Jeff For Banks

JANUARY 24, 2015

Prediction : The Federal Reserve''s Comprehensive Capital Analysis and Review (CCAR) and its complementary Dodd-Frank Act Stress Testing (DFAST) will meet its intended purpose, to better ensure financial institutions have sufficient capital during times of economic duress. In other words, what''s your well capitalized?

Capital 60

Capital Analysis Regulation Strategy 60

CFPB Monitor

APRIL 5, 2017

On March 30, Director Cordray gave his annual speech to the United States Chamber of Commerce’s 11th Annual Capital Markets Summit. His prepared remarks focused on the CFPB’s role in adopting regulations. He trumpeted the CFPB’s promulgation of detailed regulations for the mortgage industry.

Regulation 68

Regulation United States Lending Capital 68

PYMNTS

MARCH 13, 2019

As of now, the country’s insurance and banking regulator is beginning to draft new rules aiming to toughen up oversight in the pawn shop lending industry, according to sources cited by Bloomberg. There is also speculation that the new rules will increase capital requirements for pawn shops. Shares in Sunny Loan Top Co.

Lending 108

Lending United States Comparison Regulation 108

Independent Banker

JULY 31, 2022

Locality Bank, a digital-first community bank serving south Florida that opened in January, is run by industry veterans with such successful track records that regulators signed off on their application for a charter in less than a year. from 2016 until its sale in 2018. Location: Fort Lauderdale, Fla. Filling a need.

Florida 91

Florida Community Bank Community FDIC 91

PYMNTS

SEPTEMBER 20, 2018

Peer-to-peer (P2P) lending in China is not for the faint of heart — and that’s putting it lightly. Swimming against that tide is China-based P2P lending provider X Financial. The fresh capital and prestige could, indeed, enable expansion to other parts of Asia and other countries. The company has facilitated 1.7

US 166

US Lending New York Cards 166

CFPB Monitor

APRIL 5, 2017

On March 30, Director Cordray gave his annual speech to the United States Chamber of Commerce’s 11th Annual Capital Markets Summit. His prepared remarks focused on the CFPB’s role in adopting regulations. He trumpeted the CFPB’s promulgation of detailed regulations for the mortgage industry.

Regulation 60

Regulation United States Lending Capital 60

PYMNTS

APRIL 30, 2018

Marketplace lending. According to a Crunchbase article published in February of 2018, investments in blockchain and blockchain-related startups (excluding initial coin offerings, or ICOs) were already 40 percent of what they were in 2017. billion in 2018 growing to $1.1 billion in 2018 growing to $1.1 Blockchain.

Fintech 183

Fintech blockchain Lending Digital Banking 183

PYMNTS

JUNE 24, 2020

Zopa received those funds from a group linked to IAG Capital Partners, a U.S.-based Since COVID-19, non-bank lenders have been hurting as capital markets became less available and retail investors tried to withdraw their cash from the P2P sector, the Times reported. Capital One was one of the earlier disrupters,” Janardana said.

Security 215

Security Capital Cards Report 215

PYMNTS

FEBRUARY 5, 2019

I think it is pretty obvious when you read stories about the payday lending industry – and how it goes wrong for customers – that consumers need a better alternative,” Onward Financial Founder Ronnie Washington said. Instead of potentially paying higher fees over a longer period of time, consumers just have bills they can’t pay.

Washington 178

Washington Kansas City Lending Kansas 178

BankUnderground

NOVEMBER 30, 2021

Chart 1 : Bank of England liabilities and capital (£million, weekly). Chart 2 : Changes in lending and securities – QE banks versus non-QE banks. QE and bank lending. These reforms tightened capital requirements, requiring weakly capitalised banks to raise additional capital resources. Source: Bank of England.

Lending 78

Lending Capital Groups Policies 78

CB Insights

FEBRUARY 20, 2020

Latin American fintech companies are creating products aimed at rethinking banking, lending, and payments in the region. Regulators across LatAm have been borrowing from Europe’s open banking playbook to increase financial inclusion and break up incumbent bank monopolies. Track the LatAm fintech space. Track LatAm fintech companies.

America 96

America Marketing Fintech Regional 96

PYMNTS

DECEMBER 15, 2017

Today in PYMNTS’ data, small- and medium-sized businesses (SMBs) have won the alternative financial venture capital (VC) funding rounds, millions of SMBs are in operation in the U.S. — 30 million | Higher end estimation of the number of SMBs in operation in the U.S. today, according to the United States Small Business Administration.

Data 109

Data New York City eBook US 109

PYMNTS

JULY 16, 2019

billion in the quarter that closed out 2018. On the lending front, the bank’s loan balances as Q2 came to a close came in at $949.9 billion from the first quarter with increased activity in real estate, credit card and automobile lending all pushing growth. Profit was up 19 percent to $6.2 billion in the first quarter and $5.2

Lending 100

Lending Leadership Trends Report 100

CB Insights

FEBRUARY 20, 2020

In 2018, companies from 31 countries and 19 categories — spanning payments, digital banking, insurance, and more — made it onto the CB Insights 2018 Fintech 250 list. Below, we dive into where the Fintech 250 Class of 2018 startups are now. Highlights from the fintech 250 Class of 2018. valuation from December 2018.

Fintech 80

Fintech US Lending Cards 80

PYMNTS

APRIL 16, 2019

It also introduces updated requirements, in line with post ‘07-’09 financial crisis levels, for liquidity and capital. Also, banks will have to hold a minimum amount of funds against lending risks, to increase financial stability. Parliament also passed protection for whistleblowers who bring crimes like tax evasion to light.

System 116

System Taxes Regional Google 116

PYMNTS

JANUARY 8, 2019

Singtel’s Dash is bringing remittance services to Myanmar by teaming up with the United Nation’s Capital Development Fund (UNCDF), the company said in an announcement. With the investment, which is from Investa Wahana Group, the company seeks to invest in possible acquisitions, strategic investments and peer-to-peer lending.

Regional 128

Regional blockchain Mobile United States 128

PYMNTS

FEBRUARY 19, 2019

As concerns are raised about how industry consolidation might impact competition, Federal Reserve Chairman Jerome Powell is warning that it could hinder small businesses’ access to capital and financial services. months in the first half of 2018, from 5.6 months in the first half of 2017.

Marketing 108

Marketing Community Community Bank Industry 108

Independent Banker

OCTOBER 31, 2021

Regulators implement ICBA-supported three-year transition. The standard allowance for loan and lease losses (ALLL) used to account for those losses didn’t offer a timely way to adjust regulatory capital. When they do adopt, it will require a bigger reserve and immediately deplete regulatory capital on day one. February 2016.

Community Bank 91

Community Bank Community Software New York City 91

PYMNTS

NOVEMBER 5, 2018

Luckily for the news-hungry, payments and commerce has been the opposite of late – particularly as the last quarter of 2018 winds down. Walmart and Synchrony announced the end of their long-term card partnership in July, with reports that Capital One would now be Walmart’s new issuing partner.

Data 115

Data Capital Cards Branding 115

CB Insights

DECEMBER 4, 2019

Through trial and error, the company has set up key financial pillars across payments, cash deposits, and lending. An RBC Capital Markets report put the average annual sales of an Amazon Go location at about $1.5M. In December 2018, Reuters reported that Amazon was looking at airports as a potential Amazon Go partner.

Cards 101

Cards Lending Strategy US 101

PYMNTS

NOVEMBER 6, 2018

This kind of small business is a dying breed: recent stats from the RUPRI Center for Rural Health Policy Analysis at the University of Iowa found more than 16 percent of independent pharmacies shuttered their doors between March 2003 and March 2018, according to Washington Post reports. But these business owners need capital to expand.

Capital 130

Capital Iowa Management Community 130

Jeff For Banks

DECEMBER 16, 2022

Total return includes two components: capital appreciation and dividends. Silvergate Capital Corporation (NYSE: SI) #2. The bank consists of two segments: 1) the traditional community bank, and 2) CCBX, which is its Banking as a Service (BaaS) division started in 2018. and Puerto Rico banking laws and regulations.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78