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How to Set Your Strategic Planning Time Horizon

South State Correspondent

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. Why is that? That is a problem.

How To 195
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Around The World With World Cup Commerce

PYMNTS

That has left an opening that Chinese brands are planning to spend — $832 million to fill on advertising — during the World Cup. That has left an opening that Chinese brands are planning to spend — $832 million to fill on advertising — during the World Cup.

Regional 109
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The Wellness Economy: The Buzzy Trend Reshaping Everything From Personal Care To Real Estate

CB Insights

CPG corporates like PepsiCo, Coca Cola, Kellogg’s, and Campbell, for example, have invested in and acquired a number of brands focused on healthy snacking , while personal care incumbents like P&G and Unilever have backed natural and organic beauty brands. As consumer demand rises, businesses are buying into the trend.

Trends 76
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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

It turns out that confidence is more valuable than capital. The ratio would provide a bank’s current core capital position to risk-adjusted assets. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.

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The Whole Paycheck Tracker: HQ Enhancements, Empathetic AI And Special Guest Bernie Sanders

PYMNTS

While wearables are able to track all kinds of things about their wearers — how much they exercise, when they are sitting or standing or how regular their sleep habits really are — they aren’t renowned for their ability to sense how their wearer is feeling emotionally speaking. AI Enhancement: A Wearable That Feels Your Pain. AI Enhancement.

New York 109
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10 Data-Driven Ideas To Increase Branch Engagement

South State Correspondent

Likely, it might be a combination of the above, but setting a branching strategy should dictate capital allocation, branch layout, marketing, and staffing. Banks should have a clear and stated set of measurable objectives for their branches and then allocate capital accordingly. Our point here is branching isn’t a passive activity.

Data 195
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What’s Next For Payments In The Next Decade: The Seven 2020 Trendlines

PYMNTS

The introduction of the iPhone in 2007 – and the birth of the apps ecosystem a year later in 2008 –inspired an entirely new class of innovators, stating the 2010s with a brand-new toolkit. The last 10 years in payments and commerce have given us millions of dots to connect. 2020 Trendline Three: From The eWallet To The Everyday App Ecosystem.

Payments 180