Independent Banker

NOVEMBER 30, 2021

Community bankers’ awakening to new possibilities has made for an impactful year and will help position community banks to flourish in 2022 and beyond. But I also wanted to recognize the widespread acceptance of innovation I’ve witnessed among community bankers during 2021, another challenging year. Dispelling myths.

Community Bank 134

Community Bank Community Innovation Video 134

FICO

AUGUST 16, 2022

US Bankcard Industry Benchmarking Trends: 2022 Q2 Update. Wed, 05/25/2022 - 03:43. Tue, 08/16/2022 - 15:30. FICO Community releases quarterly US Bankcard Industry Benchmarking trends. The financial industry data from FICO® Advisors’ Risk Benchmarking solution for Q2 2022 also shows mixed results. Saxon Shirley.

Trends 52

Trends Industry US Cards 52

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022.

Lending 158

Lending Community St. Louis Community Bank 158

South State Correspondent

JANUARY 4, 2023

A potential economic slowdown, slower rate rises, an inverted yield curve, and deposit stress likely make 2023 a trying year compared to 2022. In addition, they may consider focusing on these five critical areas: Improve Operating Leverage. To the extent projects improve operating leverage and the total experience, so much the better.

Community Bank 195

Community Bank Capital Training Lending 195

FICO

AUGUST 3, 2022

Fraud Ideas from FICO World 2022 – and Excitement for 2023! FICO World 2022 was an excellent event with a stellar fraud protection and compliance track - here's some of what we learned. Wed, 08/03/2022 - 12:40. Tue, 07/02/2019 - 02:45. by TJ Horan. expand_less Back To Top. A Greatest Hits Compilation.

Fraud 52

Fraud Analytics Trends Innovation 52

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. By Aileen McDonough.

Austin 91

Austin Texas Community National 91

Abrigo

FEBRUARY 25, 2022

However, many traditional community lenders will face real challenges meeting their lending goals for more business loans and higher yield, given expected interest rate hikes, higher non-interest expenses, and increasing competition for borrowers. It is the backbone of what many community financial institutions do, and they do it well.

Lending 195

Lending St. Louis Community Survey 195

Cisco

JANUARY 10, 2023

It’s an excellent way to solidify the optimal operating model mix for hybrid work, digital first engagement, operational excellence and process automation, sustainability, and cybersecurity. Also, it creates an opportunity to unite internal stakeholders all across the C-suite to different lines of business.

Digital Strategies 174

Digital Strategies Strategy America Innovation 174

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations.

Community 195

Community Lending Maine Resources 195

PopularBank

DECEMBER 10, 2021

The Popular Easy Access Checking account was officially certified by the national nonprofit Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards (2021 – 2022). Our Bank On certification is another step to help reduce those disparities.”.

St. Louis 52

St. Louis Florida New Jersey New York 52

Gonzobanker

FEBRUARY 8, 2022

While AOBA 2022 had its share of execs wanting to “fake it until they make it” with future innovation, credit is due to the bankers who are pouring real financial investment into new fintech experiments. COVID may have accelerated things, but talk of booster shots and workplace policies wasn’t the most striking contrast at AOBA 2022.

Fintech 167

Fintech Customer Experience Conference Technology 167

Abrigo

NOVEMBER 17, 2023

While some of the recent trending fraud schemes are not new, they have been transformed to prey on communities already dealing with unprecedented times. billion to fraud in 2022, a 44% increase over the prior year and a trend that has continued into 2023. The downturn in the economy has undoubtedly affected fraud statistics as well.

Fraud 195

Fraud Training Trends Compliance 195

Bobsguide

APRIL 13, 2022

Dubai, UAE – April 13, 2022 – Finastra today announced that Banque Misr, the second largest national bank in Egypt with international presence, has selected Fusion Trade Innovation and Fusion Corporate Channels to digitalize its trade finance services and provide a premium user experience. About Finastra.

Regional 113

Regional Innovation User Experience Software 113

PYMNTS

OCTOBER 9, 2018

.” Small businesses, particularly those in the technology industry, may be affected by some of these changes as well, though Davis added that it depends on the industry in which SMBs operate. However, small community banks without such resources are sounding their concerns. Even some banks will be kept on their toes.

Community Bank 153

Community Bank Community Report Lending 153

South State Correspondent

JUNE 13, 2023

On our loan hedging desk, we work with hundreds of banks ranging in size from just over $100mm in assets to some national banks with over $1T in assets. Loan portfolio pipelines (below) are at about 35% from what they were in 4Q of 2022. This means that banks must be choosy on credit and how loans are structured.

Marketing 195

Marketing Examples Capital Management 195

CFPB Monitor

MAY 18, 2022

After moving alone in 2020 to reform its Community Reinvestment Act (CRA) regulation, the Office of the Comptroller of the Currency (OCC) has joined the Federal Deposit Insurance Corporation (FDIC) and Federal Reserve Board in issuing a joint notice of proposed rulemaking setting forth proposed amendments to their regulations implementing the CRA.

FDIC 78

FDIC Regulation Community Lending 78

South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. A loan starting at 1.20X DSCR dips below 1.0X

Management 195

Management Capital US Community Bank 195

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. Clearly, community banks in the region have plenty of opportunities to do what they do best: forge deep and lasting relationships with their customers and communities. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

Gonzobanker

JULY 20, 2022

financial institution executives surveyed for What’s Going On In Banking 2022 , 19% of community banks and 10% of credit unions had not launched a digital transformation strategy prior to this year, and another 15% had no plans to do so. While a digital product manager may have operations or I.T. Among 300 U.S.

Digital Strategies 174

Digital Strategies Strategy Leadership Customer Experience 174

Gonzobanker

MAY 4, 2022

Every year, Cornerstone Advisors conducts a survey of community-based financial institution CEOs that asks what their top concerns are. The 2022 survey produced the biggest one-year change we have ever seen. A focused plan for the development of next generation talent is no longer optional.

Training 154

Training Survey System Data 154

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. Shielding sensitive customer information from prying eyes remains a chronic industry challenge. By Katie Kuehner-Hebert.

Data 91

Data How To Community Bank California 91

CFPB Monitor

JANUARY 19, 2022

federal district court has granted the motions filed by the CFPB and the Consumer Financial Services Association (CFSA) to dismiss the lawsuit brought by the National Association for Latino Community Asset Builders (NALCAB). (The The CFSA had intervened in the lawsuit.)

Resources 78

Resources Compliance Lending Industry 78

Bobsguide

OCTOBER 4, 2022

London, UK – October 3, 2022 – Finastra today revealed a sneak peek at its annual State of the Nation Financial Services research. Open communities: Creating more equitable access to banking. Sustainable environmental and social value creation in financial services has never been more important.

Leadership 68

Leadership Innovation Industry Capital 68

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Bunnell; and Doug, Genelle and Jagger Jones.

Community Bank 172

Community Bank Community National Philadelphia 172

PYMNTS

FEBRUARY 4, 2020

RotoGrinders is a website that provides the DFS community with various bits of data, including game-specific weather forecasts. In a microcosm of the national expansion, New Hampshire’s newly online sports gambling program raked in $2.31 population by 2022, pushed largely by the emergence of digital channels like DFS sites.

Online 134

Online New Hampshire Rhode Island District of Columbia 134

Jeff For Banks

MARCH 5, 2022

Interest rates have risen dramatically since the beginning of 2022, with the 2 year Treasury up.76% The end of 2022 could be very interesting from all angles, including the federal mid-term elections, and may still be full of winter squalls. The federal stimulus also drove our national debt levels to over $30 trillion, or 123.4%

Marketing 78

Marketing Policies Community Bank Community 78

Qudos Bank

FEBRUARY 15, 2024

Her female-only workforce developed a niche in operational research work, like scheduling freight trains, timetabling buses, and stock control programming. As a society there are things we can do in the home, in our community and in our workplaces. of First Nations people, hold university-level STEM qualifications.

Leadership 52

Leadership Innovation Community Technology 52

Gonzobanker

DECEMBER 17, 2021

Then right back to the impossible in 2022. Lots of tech and operations to clean up, it appears, but no solid bank is better qualified than the team from Minneapolis. Some interesting finalists would be: M&T and People’s United Old National and First Midwest Webster and Sterling Columbia Bank and Umpqua. THE BANKER AWARDS.

Fintech 147

Fintech Strategy Leadership Lending 147

PYMNTS

MAY 18, 2018

Baseball is a game, a beloved game adored by a nation whose citizens have been going to the park in one capacity or other since at least 1791. The two entities have also recently announced they will be collaborating on merchant, back office and loyalty solutions for the minors through 2022. John asked. Just ask Amex.

Cards 115

Cards Community Boston Payments 115

Gonzobanker

DECEMBER 19, 2022

Who saw 2022 coming and accurately predicted the headlines? A few modest examples of the 2022 roller coaster ride: The Fed rate hikes in 2022 totaled 425 basis points. In 2022, there was… wait for it… exactly one. Goes to 2022. Goes to all the hot tech and defi players that bought pricey ads at the 2022 Super Bowl.

Community 216

Community Fintech Industry Innovation 216

PYMNTS

MAY 16, 2016

200 community banks have cut ties with Lending Club following the sudden departure of the alternative lender’s CEO and the subsequent hit to share prices, which reverberated across other alt-finance players. Explore how B2B FinTech is on the cusp of change as we break down all of the statistics and surveys below.

Fintech 108

Fintech Lending Fraud Cards 108

Qudos Bank

MARCH 6, 2023

Her female-only workforce developed a niche in operational research work, like scheduling freight trains, timetabling buses, and stock control programming. As a society there are things we can do in the home, in our community and in our workplaces. of First Nations people, hold university-level STEM qualifications.

Leadership 40

Leadership Innovation Community Technology 40

South State Correspondent

JULY 25, 2022

Providing a narrative around your “fortress balance sheet,” ever-more-efficient operations, and defensive vision is now critical. Rate Hikes: Overall, most banks underestimated the number of rate hikes and the rate of net interest margin expansion in 2022. What is your banking doing here, and how has it improved in 2022?

Trends 195

Trends Lending Marketing Capital 195

South State Correspondent

OCTOBER 25, 2023

Over the last ten years, from 2012 to 2022, checks by volume have declined some 57%. According to the 2022 AFP Payments Fraud and Control Survey , 66% of organizations were victims of check fraud. National and many community banks want to integrate into the accounting and enterprise resource planning (ERP) software (example below).

Fraud 195

Fraud ATM Payments Management 195

Abrigo

NOVEMBER 29, 2021

You might also like this webinar: "Is inflation the big gift to your 2022 earnings?". Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. To remain competitive, some of the nations’ largest banks have introduced new products. Flush with deposits?

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

JULY 1, 2022

Human trafficking has long been a global concern and has officially become one of the eight national anti-money laundering and counter-terrorism priorities for the United States. The United Nations reports that there are approximately 40.3 This horrific crime enslaves men, women, and children of any age, race, or nationality.

Training 195

Training Fraud National Exercises 195

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. We are in awe. Seriously in awe.

Fintech 195

Fintech Community Regional Technology 195