Fed Readies Analysis of Digital Currency


As soon as this week, the Federal Reserve could begin weighing the possible risks and benefits of issuing a U.S. digital currency, according to a Monday (Oct. 4) report from The Wall Street Journal (WSJ).

Beyond Peer Analysis: Adopting a Benchmarking Mindset

Independent Banker

Bank regulators created the UBPR “peer analysis” to help further their own mission of prudential regulation, and it’s not a great substitute for the bank’s own performance benchmarking. Peer analysis vs. benchmarking? Peer analysis” complete.


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Want a decent analysis of #Brexit from an EU view?

Chris Skinner

As a result, Theresa May is trying to keep the Conservative Party … The post Want a decent analysis of #Brexit from an EU view? Another key theme of the weekend conference was Brexit, best summed up by one panellist as a decision made by a confused population about an issue their politicians can’t agree with, don’t want to implement and has no support. appeared first on Chris Skinner's blog. Brexit Grid

Commercial Credit Analysis 101: Back to Basics


The basics of commercial credit analysis Learn the foundations of credit analysis, including key data analysis strategies and best practices. . For more information on the basics of credit analysis, check out this webinar: WATCH NOW. Credit Analysis Training.

Pressure Points: How to Ensure Your B2B Pipeline Passes Inspection

This eBook highlights best practices for developing a pipeline management process that helps sales leaders and their team C.L.O.S.E (you’ll see what we mean in this eBook) more revenue through data-driven prospecting, stage analysis, and subsequent sales enablement.

How Social Media Data Drives Market Trend Analysis


Market trend analysis is an indispensable tool for companies these days. Rapidly changing business conditions require deep insight, and a market trend analysis report is a critical tool. Aside from future-proofing businesses, trend analysis reports also.

Innovative Fraudsters Demand Shift In Bank Customer Transaction Analysis


With all the positive change and innovation happening in payments, there’s an unfortunate correlation with challenges and threats. Innovation builds the business and stays stride-for-stride with the digital-first consumer.

2021 ATM and Self-service Software Trends and Analysis

ATM Marketplace

For the 14th consecutive year, ATM Marketplace and KAL ATM Software have partnered to publish the ATM industry's most influential and insightful annual guide, "ATM and Self-service Software Trends and Analysis

Deep Dive: How AI- and ML-Powered Analysis Can Improve Fraud Detection and Investigation


The threat businesses face from financial crimes has never been greater.

Wells Fargo Invests $5M In Blockchain Analysis Startup Elliptic


Wells Fargo Strategic Capital (WFSC) is backing the London-based blockchain analysis firm Elliptic with a $5 million investment, bringing the startup’s Series B round to $28 million, Elliptic announced in a press release on Thursday (Feb.

How ZoomInfo Enhances Your Database Management Strategy

Forward-thinking marketing organizations have continuously invested in a database strategy for enabling marketing processes. Download this ebook to learn how to maintain a strategy that includes refreshed information, database cleanses, and an accurate analysis at the same time.

How Fremont Bank Taps Proactive Analysis To Improve User Authentication And Experience


Onboarding at financial institutions (FIs) traditionally relied on credit score analysis, but Yeung said this is quickly falling out of favor due to fraudsters’ abilities to spoof credit information, with banks either replacing or supplementing it with complementary analyses.

Report: Real-Time Transaction Analysis Helps Firms Root Out Fraud, Money Laundering


In this month’s Feature Story, PYMNTS spoke with Max von Both , senior vice president of compliance at payments provider Paysafe , about why cybersecurity teams must fight fraud and money laundering together using real-time transaction analysis.

DocuSign Invests $15M In Seal Software For AI Contract Analysis


San Francisco-based DocuSign has invested $15 million in Seal Software , a contract discovery and analysis startup, to help with the development of artificial intelligence (AI) that can read and analyze contracts, according to reports. We are thrilled by DocuSign’s confidence in Seal Software as a partner and now as a strategic investor, as we build the next generation of agreement discovery and analysis tools using artificial intelligence,” said Co-founder and CEO Ulf Zetterberg.

AI reveals the analysis that can beat bank payment fraud

Payments Source

Banking Risk Fraud Payment processing

Congress faces criticism over bigtech M&A analysis


According to Scott Marcus, senior fellow at think tank Bruegal, the House of Representatives antitrust subcommittee’s report on bigtech mergers highlights crucial structural issues, but falls short in justifying its claims. The report - an investigation of competition in digital markets

Avoid the stock market casino by doing real company analysis

Daily Fintech

The post Avoid the stock market casino by doing real company analysis appeared first on Daily Fintech. Fred Schwed was a professional trader who wrote Where Are the Customers’ Yachts? after losing a bundle in the 1929 stock market crash.

CECL methodology – vintage analysis application


Vintage analysis is an allowance for loan lease losses (ALLL) calculation methodology that has been suggested as being the new minimum standard for CECL compliance. If you are interested in an introduction to Vintage Analysis before looking at how it’s applied, read CECL methodology – introduction to vintage analysis. The table below illustrates the usefulness of vintage analysis as a forecasting tool.

Fed Analysis Shows Banks Can Stay Strong Amid ‘Harshest Shocks’


” The different cases presented in the analysis included a U-shaped recession and recovery, a W-shaped double-dip recession, and a V-shaped recession and recovery.

People's United Bank On How ML And Rules-Based Analysis Work In Tandem For Fraud Prevention


Stopping such fraud can be a tall order, Boyer said, but machine learning (ML) and rules-based analysis can do their parts to bring it to heel. ML also plays a role in fraud analysis, but Boyer said banks must account for its limitations.

XBRL News: risk disclosures, RegTech and analysis software certification

Daily Fintech

The post XBRL News: risk disclosures, RegTech and analysis software certification appeared first on Daily Fintech. Here is our pick of the 3 most important XBRL news stories this week.

Combating ATOs With Multifactor Authentication, Behaviors Analysis And Customer Education


Customers cannot afford to let fraudsters compromise their bank accounts under any circumstances, but the current economic climate makes attacks all the more painful.

Analysis finds security flaws in 94 popular banking apps


A security analysis of 107 banking apps released last week has found security flaws in 88 percent of the apps — some of which might be avoided through automation.

CECL Methodology - Introduction to Vintage Analysis


According to Sageworks whitepaper, “ The Basics of Vintage Analysis ,” vintage analysis accounts for expected losses by allowing an institution to calculate the cumulative loss rates of a given loan pool and in so doing, to determine that loan pool’s lifetime expected loss experience. Vintage analysis is a method of evaluating the credit quality of a loan portfolio by analyzing net charge-offs in a homogeneous loan pool where the loans share the same origination period.

Bitcoin Daily: HTC’s Exodus Blockchain Phone Now Supports Bitcoin Cash; Parsiq Offers Blockchain Data Analysis


Bitcoin BCH bitcoin Bitcoin Cash Blockchain blockchain phone crypto data analysis exodus HTC Neufund News Parsiq Retail Spencer Dinwiddie tokens What's HotHTC has announced it is partnering with Bitcoin.com to add bitcoin cash support for its Exodus 1 blockchain phone, which will come with Bitcoin.com’s preinstalled wallet and be rolled into the Exodus 1 software update. Bitcoin.com will also sell the Exodus 1 and all future versions.

Listen: How cross-border payments analysis busted a child-trafficking ring


Artificial intelligence (AI) is able to pick up on many patterns humans ignore — patterns can indicate crime in cross-border payments and keep law enforcement one step ahead of criminals.

ABA Releases Core Provider Information, Banker Analysis

ABA Community Banking

In the latest update from ABA’s banker-led Core Platforms Committee, ABA today shared information it has received from four major core processors as well as an analysis of the cores’ responses by bankers on the committee.

3 Global cash flow analysis tips


However, it is important for institutions to remain disciplined during this growth, all the way down to the global cash flow analysis of a loan. Credit analysis is more challenging with complex borrowers – those with multiple people, businesses, real estate properties, etc. – and a global cash flow analysis is required to properly assess the creditworthiness of the whole entity. Unfortunately, applying a global cash flow analysis isn’t always easy.

FDIC Analysis Examines Community Bank Economies of Scale

ABA Community Banking

The post FDIC Analysis Examines Community Bank Economies of Scale appeared first on ABA Banking Journal. The FDIC today released a new staff study highlighting how economies of scale developed at community banks (those with $10 billion or less in assets) between 2000 and 2019.

Checking Analysis: The Betamax of Bank Products

Jeff For Banks

If we did, would we continue to offer Analysis Checking or some variation of it? Because of Reg Q, in place for over 80 years, banks created Business Analysis Checking, where a business earns credits to offset fees based on their balances. See a Union Bank of Richmond, VA description of a typical Business Analysis Checking account. And because highlighting a problem without proposing a solution is whining, I propose the JFB Alternative to Business Checking Analysis.

Looking at New Tech? Don’t Forget the Cost Analysis, Ally CIO Says

Bank Innovation

An old-school cost analysis will do, according to Michael Read More. Banks have been fairly active in tapping into new technologies recently, either through partnerships or with internal innovation groups. But with the rapid acceleration of the fintech space, how should banks decide if a new space or tech is worth pursuing? Corporate Innovations Mobile Operations Technology Wealth Management Ally Financial innovation new tech robos TradeKing

ICC Taps Global Credit Data To Broaden Trade Risk Analysis


The addition of data from Global Credit Data will enhance that risk analysis and visibility for financial institutions (FIs) ahead of the release of the next Trade Register report, expected early next year. “This agreement with GCD, which is at the forefront of data collection and analysis, will allow us to further develop and evolve the ICC Trade Register as the go-to source for quality and trusted data, which can be used for robust analysis.”

Lending to nonprofits: Considerations for credit analysis


Therefore repayment analysis needs to be based on unrestricted funds.” Using a streamlined credit analysis for nonprofit borrowers can help provide loan officers with a more accurate assessment of creditworthiness and can consistently measure and document the risk in the borrower. Having a streamlined credit analysis process for nonprofits ensures that the bank can make safe loans while the nonprofits can continue their mission with support from the community bank.

The Not So “Secret Sauce” of Data Analysis


To manage the organizational data effectively, it is recommended to conduct some form of data analysis to assess the current state, make informed decisions to streamline that data and help the growth of the business. For more information on data analysis, contact our experts today.

How Faster Underwriting, Credit Analysis Unlock Faster Loan Payments


Recent Federal Reserve data indicates that 61 percent of U.S. adults do not have $400 in savings on hand to cover unexpected expenses. That reflects a steady increase from 2013’s measure — 50 percent — and indicates that many Americans may need loans to deal with financial disruptions like medical emergencies or vehicle repairs. . Faster payment services could help such consumers get much-needed funds, as long as lenders can access equally fast underwriting tools.