South State Correspondent
APRIL 16, 2025
When a bank makes a loan, its stepping onto a multidimensional terrain of risk. Credit, interest rate, liquidity, optionality, legal and operational risk all interplay with each other to expose the bank, and the borrower, to a set of risk that can be visualized as a three-dimensional area. Given the current state of the economy, this risk is near an all-time high.
Abrigo
APRIL 16, 2025
This article covers these key topics: Simplyfing CECL for certain receivables Breaking down Credit Losses-Topic 606 Receivables Implications for community financial institutions Equipment-financing firms and others could benefit FASB's Credit Losses-Topic 606 Receivables project doesn't directly affect financial institutions, but it could offer insight on efforts to reduce the CECL burden.
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Abrigo
APRIL 11, 2025
This article covers these key topics: Hindrances to sound loan review scoping What loan review should be able to do How to stop scoping like it's 1985 Bringing your loan review scope into 2025 Determining the scope of a financial institutions loan review is the foundation of an effective loan review process. No matter how skilled your analysts are, if you arent looking at the right data, you are not adding valueyou may just be restating the obvious.
Payments Dive
APRIL 15, 2025
Executives of the merchant services company visited Capitol Hill this month to connect with congressional staffers and share their views on payments.
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Why Legacy Lending Workflows Are Costing You More Than You Think Legacy systems and manual workflows might feel familiar, but they come with growing risks—compliance gaps, costly delays, and lost opportunities. This guide breaks down why clinging to traditional processes is no longer sustainable and how automation can help lenders regain control, improve efficiency, and reduce risk across the closing process.
TheGuardian
APRIL 15, 2025
All banking in the Pacific nation used to be done in cash but that is about to change on the main island of Funafuti Tuvalu, one of the worlds most remote nations, has unveiled its first ever ATMs, at the headquarters of the National Bank of Tuvalu in the village of Vaiaku on Funafuti, the countrys main island. Tuesdays ceremony marked a historic shift for the island nation of 12,000 people, which has never before had access to electronic banking.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
BankUnderground
APRIL 10, 2025
Lily Smith Like mother, like daughter? Like father, like son? Despite the increasing prevalence of digital payments in todays world, young people continue to use cash. The persistence of cash use, even among youngsters who have grown up with debit cards and smartphones, raises interesting questions about the factors that influence young peoples payment choices.
Abrigo
APRIL 11, 2025
Why the vendor matters in technology adoption Technology can deliver long-term value when a vendor and its employees bring not only technical expertise but also implementation guidance, regulatory awareness, and a collaborative approach to problem-solving. Key topics covered in this post: Buying software: The benefits of partnership Setting up the financial institution for success Helping software users in an ever-changing environment Advisory & product support builds trust Benefits of a ve
Payments Dive
APRIL 11, 2025
The Justice Department will stop prosecuting “unwitting” regulatory violations and focus its efforts on going after those who victimize crypto investors or use crypto to support illicit activities.
South State Correspondent
APRIL 14, 2025
Customer profitability is often talked about but rarely understood. We analyzed the commercial loan portfolio of a regional bank to determine what products, scale, cross-sell opportunities, and expected life translates to profitability. The results may be surprising to some readers. The granularity of this data reflects the state of the banking industry, and the lessons learned can be incorporated by most community bankers in their daily product pricing, marketing, and sales efforts.
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Finance teams find Trellis to be particularly effective in conducting comprehensive due diligence on both individuals and businesses. With our court data solution, financial experts can access critical litigation insights, making it an invaluable resource for informed decision-making in the financial sector.
Ublocal
APRIL 14, 2025
Fraud on the Rise in 2025 and How to Prevent It Scams and fraud are becoming rampant and much harder to spot. In the past, phishing emails and text messages often contained misspelled words and grammatical mistakes. These days, scammers are using artificial intelligence to create phishing emails and texts that are much harder to spot. They also use AI to create deep-fake voices and videos to impersonate people and improve their chance of success.
TheGuardian
APRIL 10, 2025
Bank is largest UK lender to cut rates in apparent response to turbulence, and experts predict others will follow Business live latest updates Barclays has become the largest UK lender so far to cut its mortgage rates in apparent response to the financial turmoil sparked by the US trade tariffs, with some deals now priced at below 4%. It is the first big six lender to enter the sub-4% fixed-rate market after similar announcements by some smaller lenders earlier this week, leaving brokers wonder
Payments Dive
APRIL 14, 2025
Some House Financial Services Committee members are pressuring the Federal Reserve to reverse a proposal to lower the debit card fees that banks can charge.
BankUnderground
APRIL 17, 2025
Mike Knight In this post, I argue that, to strengthen climate risk metrics, the pricing of carbon should be transparent and consistent. I suggest that lessons can be learned from existing commodities and interest rate markets in the role a benchmark price (for carbon) could play to provide that transparency and consistency. Further, I propose that a benchmark incorporating existing explicit and implicit carbon prices could be sufficiently credible to allow widespread adoption.
Advertiser: ZoomInfo
AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.
William Mills
APRIL 17, 2025
As the old saying goes, "If you fail to plan, you plan to fail." It emphasizes how important preparation and critical thinking are in achieving success. Having a strategy is essential for individuals and/or organizations as it provides a structured framework to achieve long-term goals, optimize resources, and effectively navigate challenges. Whether you are remodeling a house or developing a public relations campaign, without a defined plan, you could be setting yourself up for failure because y
TheGuardian
APRIL 15, 2025
Lenders stepping up mortgage price war in apparent response to financial turmoil sparked by US tariffs UK lenders are stepping up a mortgage price war, with HSBC and the Co-operative Bank announcing fresh rate cuts, and Halifax and Lloyds Bank loosening their affordability rules to enable homebuyers to borrow more. The number of low-deposit mortgages that let buyers borrow up to 95% of a propertys value has hit a 17-year high.
ATM Marketplace
APRIL 11, 2025
Financial inclusion is not just a trend; it is an urgent necessity.
Payments Dive
APRIL 15, 2025
The percentage of U.S. credit card accounts past due for 90 days was the highest in 12 years during the fourth quarter, a Philadelphia Federal Reserve report said.
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Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.
Jack Henry
APRIL 11, 2025
Celebrate financial innovation and impact. Submit your entry for the 2025 Cobalt Awards by May 12 to earn industry recognition and a $10K charitable donation.
American Banker
APRIL 14, 2025
The U.K. challenger bank's Engine tech unit has registered in Delaware and will soon begin hiring a small staff on the East Coast. It faces the stiff challenges all new core banking software providers face in this country.
The Emmerich Group
APRIL 17, 2025
Net interest margin is under pressureand if your bank is still waiting on rate changes to save your profitability, youre already behind. In this sharp, no-fluff video, Roxanne Emmerich lays out exactly how the top 5% of banks are outpacing the competition with bank margin growth strategies that dont depend on rate specials or CD gimmicks. Youll get a sneak peek of whats coming in her next Top Gun CEO Interview featuring Charlie Hollanda CEO whose team is pulling in low-cost deposits weekly, and
ATM Marketplace
APRIL 11, 2025
Security experts share how to prevent new ATM threats, including Man in the Middle attacks.
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Remote Deposit Capture (RDC) clients are more likely to use additional treasury services and maintain larger deposits. However, poor customer experiences—particularly if they delay deposits—can compel RDC clients to take their business elsewhere. This eBook makes the case for outsourcing RDC operations to a proven managed services partner. This approach helps Treasury Departments with limited resources provide excellent client experiences that result in higher retention and productivity rates.
Payments Dive
APRIL 14, 2025
Patrick Collison will join the board of the public social media company as speculation persists about the possibility of his payments company filing for an initial public offering.
Jack Henry
APRIL 10, 2025
For years, banks and credit unions have encouraged accountholders to switch to e-statements by highlighting environmental benefits. While reducing environmental impact is important, it hasnt been the game-changer many expected. What truly motivates people to make the switch? Security.
American Banker
APRIL 10, 2025
A Department of Government Efficiency team is working with FDIC leadership to "increase efficiency," which could include cuts to contracts and streamlining staff. FDIC says DOGE staffers have "appropriate clearances.
The Paypers
APRIL 16, 2025
J.P. Morgan ’s blockchain platform, Kinexys , has introduced support for GBP-denominated payments for its corporate clients.
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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.
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