PYMNTS

DECEMBER 13, 2020

Among the reasons for corporate relocations cited by the WSJ and San Jose Mercury News in articles about the moves are cost-of-living disparities and differences in personal income taxes. Researchers found that 40 percent of tech-sector employees between ages 18 and 34 expected to leave the region within 12 months. But even Apple Inc.,

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South State Correspondent

APRIL 18, 2023

In recent articles ( here and here and here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by return on assets (ROA). This article shares a simple strategy a successful lender (Linda N.) Banks developing and delivering a relationship banking model can outperform the industry.

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PYMNTS

FEBRUARY 2, 2017

MPs overwhelmingly voted to invoke Article 50 of the Lisbon Treaty. After a two-day-long debate, Parliament voted to trigger Article 50 by a majority of 384. It’s happened. The wheels for Brexit are officially in motion as U.K. s FinTech pains. On Wednesday (Feb. government could actually begin the Brexit process.

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South State Correspondent

FEBRUARY 20, 2023

Traditionally, community banks would compare their financial performance and health to similar-sized banks in their region. By excluding larger bank lending competitors, this SWOT analysis is mainly useless because it doesn’t compare this community bank’s performance with the majority of the banking competition in its region.

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PYMNTS

AUGUST 3, 2020

” Wirecard declined to comment for the FT article. ‘Ndrangheta operates from the Calabria region in Southern Italy. ” The FT added: “Since then, more than 30 people have been sentenced for mafia-related crimes linked to the case.”

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Regional Online Fintech Regulation 362

Abrigo

MARCH 8, 2024

Would you like other articles like this in your inbox? While previously, fraud was local or regional, today, scammers leverage technology extensively. They make fake accounts and profiles and analyze people groups, current events, and regional characteristics to appear as legitimate as possible.

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PYMNTS

NOVEMBER 11, 2020

Then, exporters should verify the tool on which their transfer depends if the European Commission hasn’t decided that the country, region or actor to which they are transferring data is adequate. The board identified five main Article 46 GDPR transfer tools.

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South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ).

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Community Bank Community Analysis Industry 195

South State Correspondent

JUNE 30, 2023

The real issue for many banks is that managers cannot easily identify and measure the service level or correctly measure granular returns at the customer, product, branch, region, or supervisor level. Some banks do not have a tool to accurately measure profitability at the relationship, product, branch, region, or supervisor level.

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South State Correspondent

FEBRUARY 27, 2024

In this article, we would like to define loan pricing discipline and cover bid, why it matters, and demonstrate how most community banks currently are not using loan pricing discipline. The national and regional banks originate about 85% of all domestic loans, and community banks hold the remainder.

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PYMNTS

OCTOBER 11, 2020

“In an era where companies rain free food, massages and yoga studios on their software engineers, the cold rationality of geography-based pay risks alienating employees used to being courted,” the WSJ article states. The lowest-paying regions for G15-grade workers are in the Southwest and Midwest and make around $127,000.

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PYMNTS

MARCH 28, 2019

German financial and payments company Wirecard has filed a lawsuit against the Financial Times for a series of articles the news organization wrote alleging misconduct and fraud in its accounting, Reuters reported. After the articles came out, Wirecard’s value tanked and the company lost billions in value.

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PYMNTS

APRIL 26, 2019

Wirecard has lately been embroiled in a scandal involving a series of articles written by the Financial Times alleging financial malfeasance in its Singapore office, accounts the company has vigorously denied. The basis of the articles was a whistleblower at Wirecard who said the company’s Singapore office was engaged in faulty accounting.

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South State Correspondent

JANUARY 10, 2024

This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. There are multiple good reasons why national and regional banks continue to offer fixed-rate loans to borrowers only via a loan hedging program, regardless of the interest rate cycle.

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South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. For example, while banks in the Southeast and Mid-Atlantic regions of the U.S.

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How To Examples Resources Community Bank 195

South State Correspondent

JANUARY 18, 2023

In this article, while we have discussed how to sell prepayment penalties in the past, we now look at their current importance. It is a standard provision at most national and larger regional banks that offer long-term fixed-rate financing. Why Use Prepayment Penalties?

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Community Bank Examples Community How To 195

The Financial Brand

SEPTEMBER 14, 2023

This article Community Banks Are Missing Out on the Value of Social Media appeared first on The Financial Brand. Nearly 9 in 10 community and regional banks are active on social media, but they lag on using it for sales. This article Community Banks Are Missing Out on the Value of Social Media appeared first on The Financial Brand.

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social media Community Bank Community Regional 35

South State Correspondent

MARCH 6, 2023

In an article last week ( HERE ), we discussed why real estate loans underwritten at common debt service coverage ratio (DSCR) and loan-to-value (LTV) levels may quickly become substandard credits if capitalization (cap) rates normalize, as expected because interest rates are rising.

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South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. In this article, we look at using FTP attribution to better understand lending profitability.

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How To Community Bank Community Capital 195

Abrigo

AUGUST 22, 2019

Due to the heightened knowledge and expertise required for BSA officers, their training requires resources beyond reading periodicals and online articles and/or completing general staff training,” the Minneapolis Fed’s newsletter said. One option that makes it easy for BSA officers to complete required training is to attend regional meetings.

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The Financial Brand

NOVEMBER 13, 2022

This article Digging Into KeyBank’s Conversational AI Strategy appeared first on The Financial Brand. The regional bank is using a test-and-learn approach with its new digital assistant, which has already improved contact center efficiency.

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Strategy Regional Branding Technology 41

The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. Regional bank failures and troubles in early 2023 may bear bitter fruit for the institutions in that size class and beyond that survived.

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South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell.

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Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell.

Community Bank 195

Community Bank Community National Lending 195

The Financial Brand

APRIL 18, 2023

This article Earnings Watch: Uninsured Deposits & Commercial Real Estate Loans Should Be Prime Focuses appeared first on The Financial Brand. The impact of rising interest rates on commercial real estate lending will be a key issue among regionals and community banks.

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The Financial Brand

JANUARY 24, 2023

This article How Banks and Credit Unions Make Pricey Super Bowl Advertising Pay Off appeared first on The Financial Brand. In using the Super Bowl as a marketing platform, banks and credit unions favor regional and online ads — with good reason.

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Regional Branding Online Marketing 35

South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. In this article, we will quantify the value of a prepayment provision and compare the value of a step-down to a symmetrical break-even provision.

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Community Bank Community Capital Maine 195

PYMNTS

AUGUST 16, 2019

Although ShareChat is available in 15 regional languages, there are no plans to support English, Ankush Sachdeva, co-founder and CEO of the firm, told the reporting news outlet. Hindi, a regional language, is spoken by about half a billion people, the article said. About 10 percent of India’s 1.3 billion people speak English.

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social media Capital Regional Google 108

TrustBank

JUNE 3, 2021

A closer look at the data by metro regions in which Washington Trust Bank primarily operates shows that this decrease in available listings is occurring locally as well. The active listing count by metro region has also declined when compared to the previous 4 year average.

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PYMNTS

JULY 22, 2019

“If a firm needs to digitally onboard someone and verify them, we can help that company do that fairly seamlessly,” Samer Atassi, regional director, Latin America and Caribbean for Jumio, told PYMNTS in a recent conversation. Opportunity, he noted, abounds. And accurately, he noted, doesn’t just mean they lock out fraud.

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PYMNTS

FEBRUARY 20, 2017

As an article by Forbes detailed, when Nigeria’s wealthy want to spend, they often turn to the services of Polo Luxury. The Nigeria-headquartered holding company operates across the West Africa region through multiple luxury retail outlets. There are even rumors that a Nobu will be opening at some point.

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Branding Regional Retail Maine 133

PYMNTS

JUNE 17, 2020

MIFs can also vary according to whether acquirers and issuers are based in different regions or states. Different MIFs apply to different transaction types, which can span contactless or card not present payments. The court also upheld findings that the payments firms had not established that the U.K.

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Cards Retail Regional Marketing 150

Abrigo

JUNE 2, 2015

In a recent article from Credit Union Times , 71 million consumers had an auto loan in the first quarter of 2015, the most since the recession and an increase of 1.2 Regionally, Southern credit unions continue to dominate in total new vehicle loans, with more than $39 billion reported for the period ending December 31st.

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PYMNTS

JULY 28, 2017

According to a news report in Reuters , citing an internal memo, with the restructuring, Wells Fargo will phase out 57 regional offices in the U.S. and get rid of the regional manager positions in the impacted offices. Wells Fargo & Co.,

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PYMNTS

JULY 31, 2017

Between top 50 global banks, regional banks and community banks, the top banks have the lowest satisfaction rating of 87 percent (compared with 90 percent for community banks and 93 percent for regional banks). That data supports earlier stats released from ACI Worldwide, which found SMEs across the U.S.

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PYMNTS

FEBRUARY 6, 2019

The firm is locked in a battle with Grab , also a ride-hailing firm and one that is also targeting the Southeast Asia region. Cross-pollination of business units, and cross-border focus within the region extends a trend that has been seen over the past year where unicorns have, for lack of a better term, been taking flight.

Regional 123

Regional Groups Examples Report 123

PYMNTS

MAY 22, 2017

As quoted in the article, Amy Raskin, chief investment officer at Chevy Chase Trust, told the Post that “ with department store closings, many malls will have to get creative with how they utilize space.” Thus, the old adage of location, location, location is borne out again, this time in the battle between bricks-and-mortar and Amazon.

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Denver Regional Case Study Washington 100