Gonzobanker

FEBRUARY 22, 2024

The right talent and tools can equip bankers to take advantage of opportunities in the small business market. As bankers continue to fight the deposit wars, they must move past the polite talk and build a true go-to-market plan to capture the lucrative U.S. No two markets are created equal.

Lending 78

Lending Community Bank Community Strategy 78

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. They need a marketing person to title their reports. The OCC did an excellent analysis of the impact of this guidance in 2013.

Lending 60

Lending Regulation Community Community Bank 60

PYMNTS

NOVEMBER 19, 2019

The compliance burden of a legal marijuana business having to manage regulations that vary by state, and between the state and federal level, has created a banking conundrum for a market forced to rely heavily on cash. But the compliance challenges associated with this market are not easily (or quickly) addressed.

Company 109

Company Compliance Payments Taxes 109

PYMNTS

JANUARY 23, 2017

Businesses face mounting risk thanks to things like geopolitical uncertainties and regulation but are also threatened by something as seemingly arbitrary as group chat platforms. That’s according to SAP SuccessFactors and Oxford Economics, which surveyed 4,100 FinServ executives across markets. 40% more cyberbreaches impacted U.S.

Survey 100

Survey Taxes Groups Analysis 100

Jeff For Banks

NOVEMBER 1, 2017

Quarterly Financial Markets & Economic Update- October, 2017 I love this time of year. The markets have not given way to anything, with long term bonds still trading in a tight range and short term rates having risen from Fed action. Tax cut and tax reform proposals have been floated. What Does the Economy Need?

Marketing 60

Marketing Taxes DC Community Bank 60

PYMNTS

JULY 5, 2018

Reports are surfacing that, since the European Union’s General Data Protection Regulation took effect on May 25, customers exercising their rights under the law are contacting companies with questions about how their online data is being handled, and to request copies of that data. Brazil Law?

Regulation 102

Regulation Data Exercises Online 102

PYMNTS

SEPTEMBER 18, 2019

In a market without Open Banking regulations, FinTechs continue to enter in to the market, collaborating with bank partners to offer their own financial services — which often compete directly with other financial institutions. According to its latest research, some of the U.S.’s

Fintech 144

Fintech Payments Meeting Capital 144

PYMNTS

JULY 30, 2019

may be the world’s hotbed for challenger banks, but it’s not the only market witnessing a surge in bank competition and industry evolution as a result of FinTech pressure. While the company may be operating in a different market than the U.K., Nubank’s own analysis drew similar conclusions to those of Trading Economics, however. “In

User Experience 122

User Experience America Analysis Industry 122

PYMNTS

MAY 23, 2017

Analysis published Monday (May 22) from ratings agency Fitch concluded that the potential for a spike in trade protectionism is a significant risk to the global economy. “A Technology continues to break down barriers between cultures, and businesses are continuing to look abroad to access new markets and expand their customer base.”.

US 100

US Compliance Taxes Trends 100

PYMNTS

NOVEMBER 29, 2018

According to Accenture analysis, corporate bank customers said they are seeking enhanced customer services and more innovative solutions — similar to the demands among consumers. “But the [SMB] market has the potential to kick-start the Open Banking revolution.” Nearly a quarter plan to invest even more.

Survey 140

Survey Data Taxes Innovation 140

PYMNTS

NOVEMBER 13, 2018

In other scenarios, FinTech firms are hoping to use APIs to fill market gaps left by what bank account data alone can’t do — as initiatives like PSD2 and Open Banking have, in some ways, highlighted the shortcomings of bank data. Separate analysis, published just last month from J.D. In the U.S.,

Data 184

Data Fintech Mobile Analysis 184

Jeff For Banks

AUGUST 12, 2018

This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. As well as the economy has been doing from the momentum of tax cuts and reduced regulation, there are always looming issues. The economy has grown 2.2% Consider the trade wars and tariffs.

Marketing 60

Marketing Philadelphia Omaha US 60

PYMNTS

APRIL 19, 2019

The EU’s General Data Protection Regulation (GDPR) is a prime example, said Jones. Payroll and tax-related regulations are also a strategic focus for accountants handling payroll for their customers. Payroll and tax-related regulations are also a strategic focus for accountants handling payroll for their customers.

Innovation 154

Innovation Compliance Technology Resources 154

Insights on Business

MARCH 25, 2019

But while this seems like a basic tenant of risk analysis, for many institutions, the AML risk ratings of each country and territory rely on insufficient, outdated and/or incomplete data. Without the right data, you may be missing risks as well as opportunities.

Compliance 98

Compliance Taxes United States Data 98

PYMNTS

APRIL 19, 2019

That’s because Strong Customer Authentication (SCA) is on the way in September, but as has been seen with other sweeping changes mandated by regulators and impacting the very way payments are made, lots of folks are not paying attention. The economy is growing, and tax refunds may have also helped boost spend. Retail Sales: Rally 1.6

social media 125

social media Online Regulation Taxes 125

Jeff For Banks

JULY 8, 2017

The markets continue to roll and bond markets continue to trade in a 25 basis point range, hitting the higher end when they think the economy is strong (why else would the Fed raise rates?) Presidential Agenda I am very surprised that the markets are not having fits over the lack of progress on the presidential agenda.

Marketing 60

Marketing Community Bank Security Data 60

Abrigo

SEPTEMBER 12, 2019

In recent years, hemp and hemp-derived cannabidiol (CBD) products have been introduced into the market, sometimes as stand-alone oil products or in cosmetics, animal food, and infused food and beverages meant for human consumption. reminded the public that the agency has been given authority to regulate hemp and CBD under the U.S.

Retail 150

Retail Policies Regulation Compliance 150

Abrigo

APRIL 20, 2017

Analytics can range from simple comparisons (for example prior year’s ending balances vs current year ending balances, square footage of retail space available vs sales ) to the use of complex models involving many relationships, regression analysis and components of data. Does the data suggest errors were made?

Analytics 150

Analytics Referral Marketing eBook Data 150

Abrigo

JANUARY 28, 2015

Much like tax forms were once frequently completed with just a calculator, pencil and paper, the same is true of a business valuation. Automation means less time entering data, allowing for more time for an analysis. Human error. Microsoft Office’s Excel is a clear winner for usability. With more than 1.1

Taxes 150

Taxes Compliance Course Software 150

PYMNTS

MARCH 27, 2017

While there are various auto manufacturers on the market now working toward autonomous driving, this may be the first step toward helping to significantly move the needle for cars becoming airborne. It is feasible and is the starting point for future analysis by both Italdesign and Airbus in future mobility solutions. Known as the Pop.Up

Las Vegas 100

Las Vegas Los Angeles System Policies 100

PYMNTS

NOVEMBER 30, 2017

To find the rest of the research and analysis, download the Index below. How regulations and licensing are hampering X-Border trade. So, there are a number of market access issues.”. Visa is the most commonly accepted payment type, accepted by 94.5 The result? Perhaps the largest changes in the history of cross-border commerce.

Study 101

Study Payments United States Regulation 101

TrustBank

DECEMBER 8, 2022

According to the Bureau of Economic Analysis (BEA) US personal saving declined to an anemic 2.3% The BEA calculates the personal saving rate by subtracting taxes from personal income to arrive at “disposable personal income” and then subtracts personal outlays. in October. What’s left is an estimate of personal savings.

US 52

US Policies Taxes Washington 52

Abrigo

SEPTEMBER 5, 2023

and property tax payments. Generally speaking (subject to Regulation B), business loans should be guaranteed by the principals of the borrower. There probably should be no more than 3-5 exception types in each of those major categories. For example, documentation would encompass perfection, administrative (insurance, UCC-11s, etc.),

Policies 195

Policies Lending Risk Management Examples 195

BankUnderground

SEPTEMBER 30, 2022

In a recent paper , we carry out a financial stability cost-benefit analysis of more widespread and consistent usage of swing pricing by OEFs, finding that enhanced swing pricing could reduce amplification of shocks to corporate bond prices, providing benefits to the financial system and economy. Source: Authors’ calculations.

Analysis 78

Analysis Policies Marketing Examples 78

PYMNTS

AUGUST 7, 2018

However, the Federal Reserve ‘s latest analysis of the U.S. However, some economists warned that the economic surge may be attributed to temporary factors, including one-time tax cuts and a sudden spike in soybean exports to China as farmers brace for trade tariffs. percent economic growth in the U.S.,

Lending 100

Lending Survey National Trends 100

PYMNTS

MAY 9, 2016

The majority reported feeling optimistic about their local economies, but less than half (43 percent) said the same about the national market. Still, 39 percent said they expect to be in a better financial position in six months’ time, and 41 percent still say current market conditions are either “good” or excellent.”

America 100

America National Capital Survey 100

PYMNTS

NOVEMBER 6, 2018

Taxes, minimum wage, global trade tariffs — there are a lot of regulatory changes weighing heavily on the minds of U.S. More so than the average SMB, independent pharmacies are particularly affected by the state of the healthcare market and its regulatory shifts. small business owners.

Capital 130

Capital Iowa Management Community 130

CFPB Monitor

NOVEMBER 17, 2014

” It further states that “there does not currently exist any comprehensive listing of prepaid card issuers, program managers, or programs against which the Bureau could compare the completeness of its analysis.” Regulation E provisions.”

Study 74

Study Cards Regulation Taxes 74

Jeff For Banks

MAY 2, 2012

We sorted by pre-tax profit contribution as a percent of branch deposits, and further sorted by "direct" profits and "fully-absorbed" profits. In order to deliver a pre-tax profit of 1.5% Deposits receive a funds credit for a similar or identical duration market instrument, such as a Federal Home Loan Bank borrowing.

New York City 90

New York City Taxes New York Groups 90

PYMNTS

DECEMBER 12, 2017

In addition, the crime cuts into state sales tax revenue: Tennessee loses more than $14 million a year to return fraud. One Florida-based company, Retail Theft Analysis, is pitching its software to law enforcement to help police keep tabs on how many gift cards stores buy, how many individuals sell and the values of those cards.

Retail 105

Retail Fraud Cards Florida 105

PYMNTS

JANUARY 31, 2020

Instead of having to compete for that direct local payments market against incumbents like WeChat and Alipay, PayPal is starting where the needs are still felt — and if they can capture even a tiny sliver of the domestic market of a billion-plus consumers so much the better. market and it makes sense in the most basic terms.

Bitcoin 100

Bitcoin Payments Los Angeles blockchain 100

Jeff For Banks

MARCH 27, 2015

Nearly four years ago, I tested the higher interest on deposits claim in a guest post with the exact title on The Financial Brand , an industry publication geared towards marketing executives at banks and credit unions. When I re-ran the analysis, what was true back in 2011 still holds true (see chart). And the taxes.

Analysis 60

Analysis Strategy Groups Community 60

PYMNTS

FEBRUARY 19, 2018

Electronic invoicing is part of the ongoing movement in Europe and elsewhere to enhance access and analysis of accurate, robust financial data for businesses. Similar regulatory moves are coming into play in other markets as well, like Australia and the U.S.

Data 109

Data Security Payments Fintech 109

Tomorrow's Transactions

NOVEMBER 5, 2014

I’m hoping somebody can send me a plausible and documented cost-benefit analysis for anti-money laundering legislation but it’s proving difficult to find one. According to a KPMG survey, the cost of compliance with anti-money laundering (AML) regulations grew “beyond expectations” for banks last year.

Las Vegas 55

Las Vegas Regulation Analysis Exercises 55

Lex Sokolin

JANUARY 14, 2021

They have not been distributed by fiduciaries to the mass market. Selling a diversified, cheap asset allocation as your core investment is a stable market equilibrium. American financial regulation is an alphabet soup, and has grown out of politics and crises. Like taxes. It is logic. It is statistics. Don’t get us wrong.

America 52

America Wyoming National Capital 52

Lex Sokolin

JANUARY 14, 2021

They have not been distributed by fiduciaries to the mass market. Selling a diversified, cheap asset allocation as your core investment is a stable market equilibrium. American financial regulation is an alphabet soup, and has grown out of politics and crises. Like taxes. It is logic. It is statistics. Don’t get us wrong.

America 52

America Wyoming National Capital 52

FICO

JUNE 16, 2022

The difference needs serious analysis and without appropriate action may cause harm. When unpacked, it highlighted the extent to which economic victims differ in their ability to pay back debt – a distinction between those whose indebtedness is brought about due to market-level economic change rather than by situations of their own making.

Meeting 52

Meeting Analytics Strategy Data 52