Insights on Business

OCTOBER 16, 2018

Regulations such as the second payment services directive (PSD2) and the Open Banking project spearheaded by the UK’s Competition and Market Authority (CMA) are driving disruption in the banking value chain. Meanwhile, new competitors are entering the market and tearing up the traditional banking rule book.

Capital 157

Capital Tools System blockchain 157

PYMNTS

JUNE 18, 2020

and global markets resulting from COVID-19.”. It noted that an urgent need to raise capital does not currently exist but it “intends to evaluate assessing the financing markets and may look to raise capital, when and if the Company deems it prudent, to further strengthen its balance sheet.”.

Branding 141

Branding Report Guidelines Retail 141

Abrigo

DECEMBER 14, 2014

Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis.

Guidelines 223

Guidelines Payments Lending Capital 223

PYMNTS

JANUARY 7, 2019

Government Accountability Office (GAO) said that financial regulators should look more closely at the role of non-bank tech companies in the small business (SMB) lending and consumer lending markets. Those interviewed by the GAO also said that guidelines would be of help in making sure lending is done efficiently.

Lending 150

Lending Fintech Data Wyoming 150

Abrigo

MAY 2, 2024

This policy serves as a set of guidelines that outline the rules and expectations for the credit function within the bank or credit union. Quantifying the Five C's of Credit: Character, capacity, capital, conditions, and collateral are key factors in credit assessment. Win more small business deals and grow market share.

Lending 221

Lending Strategy Analysis Policies 221

South State Correspondent

JANUARY 30, 2023

Liquidity Pressures on Rising Funding Costs Excess bank liquidity gathered during the pandemic is now waning as depositors become more active in moving funds to higher-yielding alternatives like Treasuries and money markets. Managers look at the average spreads in the market and set their minimum spread relative to that industry average.

Community Bank 195

Community Bank Community Strategy Management 195

PYMNTS

APRIL 27, 2020

Due to complaints about publicly traded companies receiving money the first time, the guidelines will now be more stringent. The second round was passed last week.

Guidelines 148

Guidelines Capital Company Marketing 148

South State Correspondent

AUGUST 16, 2023

Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. New, post-2008 underwriting guidelines are having a positive effect on credit.

Trends 195

Trends Cards Capital Data 195

PYMNTS

SEPTEMBER 4, 2019

The Hong Kong Monetary Authority has, as finews.asia reported this past week, amended its credit risk management guidelines in a way that seeks to boost the embrace of analytics when lending to smaller firms. Cash invested on the platform, said the company, stands at $2.7

Lending 134

Lending Fintech Guidelines Meeting 134

PYMNTS

JULY 24, 2020

Open banking is often associated with the European Union (EU) almost by default as the region pushes the envelope further on regulation than anywhere, partly to encourage — but also to keep up with — imaginative FinTech innovators going to market throughout the Eurozone. FinTechs Flourishing.

America 168

America Regional Regulation Fintech 168

Abrigo

FEBRUARY 25, 2015

That data comes from recent research by Pepperdine University , which found that a valuation gap in pricing scuttled deals for brokers more often than did reasons surrounding insufficient cash flow, no market for the business, economic uncertainty and a lack of capital to finance the transaction.

Guidelines 150

Guidelines Survey Analysis Capital 150

PYMNTS

APRIL 3, 2019

The crypto was up 26 percent on Wednesday (April 3), giving it a market worth of $381 million, according to Financial Times. In other news, Liquid.com has become the latest crypto unicorn after closing a Series C investment round from Bitmain and IDG Capital , reaching a valuation of over $1 billion.

Security 148

Security Bitcoin cryptocurrency Policies 148

PYMNTS

AUGUST 12, 2019

Market confidence has taken a hit due to the trade war , causing Chinese businesses to adjust their investment plans. The latest slowdown in lending highlights the need for further monetary easing if policymakers are to succeed in putting a floor beneath growth,” noted Julian Evans-Pritchard, an economist with Capital Economics.

Lending 100

Lending Guidelines Taxes Capital 100

Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. With the surge in loans and no pressure on capital ratios, both Domine and Bates expressed approval for the program.

Lending 195

Lending Capital Minnesota FDIC 195

PYMNTS

NOVEMBER 29, 2018

As evidence that sandboxes are ever-increasingly a global phenomenon, Kuwait’s central bank put forth guidelines this week that are geared toward companies seeking to meld financial technology (FinTech) and financial services (FinServ). The sandbox, Reuters reported, has four phases.

Fintech 167

Fintech Guidelines Mobile Training 167

Abrigo

MAY 2, 2022

Your policy should keep in mind your institution’s size and target market , and must be broad enough to ensure you can operate without every loan needing a policy exemption due to policy guidelines. Loan policy is the foundation that guides the institution’s loan decisions.

Policies 195

Policies Lending Regulation Examples 195

PYMNTS

NOVEMBER 1, 2018

The Chinese government, as noted in CB Insights and elsewhere at the time, released a set of guidelines geared toward “advancing the healthy development of internet finance” and placing the industry under the purview of the China Banking Regulatory Commission. “The second phase of it is where we started working with banks.

Lending 150

Lending Guidelines Fintech Industry 150

PYMNTS

DECEMBER 14, 2016

million in venture capital seed funding from Social Leverage and ViaWest Group. In a press release , the company said the funding will be used to accelerate sales and strengthen the company’s position in the market. CommLoan, an early stage commercial mortgage lending technology company, announced Tuesday (Dec. 13) it received $2.25

Lending 100

Lending Guidelines Groups Capital 100

PYMNTS

SEPTEMBER 25, 2019

Corporate entities have gained larger footprints on platforms as MySpace, Friendster and LiveJournal gave way to Facebook, Twitter and YouTube, enabling them to connect with customers and market their services. Social media engagement is easily trackable compared to other forms of marketing like word of mouth. billion in assets.

social media 128

social media Study Survey United States 128

Abrigo

NOVEMBER 18, 2016

As noted in a recent American Banker article , many banks are increasing their investment in CRE loans, with many even exceeding the OCC guidance to limit CRE concentration to 300% of Risk Based Capital. In fact, software solutions are often key to both profitability and regulatory approval.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

NCR

JUNE 17, 2016

Historically, the financial services sector has been reluctant to embrace digital marketing—or expand into new online domestic and global markets. There’s no mystery as to why: banks must navigate a veritable sea of regulations, including strict guidelines on how to communicate with customers and prospects.

Marketing 40

Marketing Online Branding social media 40

NCR

NOVEMBER 24, 2016

Historically, the financial services sector has been reluctant to embrace digital marketing – or expand into new online domestic and global markets. There’s no mystery as to why: banks must navigate a veritable sea of regulations, including strict guidelines on how to communicate with customers and prospects.

Online 40

Online Marketing Branding social media 40

Jeff For Banks

JULY 16, 2011

But this difference in the treatment of loan loss reserves left banks under-reserved and therefore elevated the need for capital to ascend to greater prominence in absorbing losses from loans. Jeff Economix: Are Bank Examiners to Blame for Slow Job Growth [link] Article on FASB consideration of loan loss reserve guidelines: [link].

Capital 66

Capital FDIC Guidelines Regulation 66

PYMNTS

DECEMBER 5, 2018

The Swiss Financial Market Supervisory Authority (FINMA) is aiming to boost innovation in cryptocurrency and distributed ledger technology (DLT), by easing some of the existing rules. It is a scam,” he said. The interview they say we did never happened. I have never invested in bitcoin, and therefore I never made the profit they say I did.”.

Bitcoin 116

Bitcoin blockchain Data Massachusetts 116

PYMNTS

MARCH 27, 2019

Dries Verboven, market manager of regulatory reporting at Wolters Kluwer Finance, Risk & Reporting, says it’s all about data, which is both the key to regulatory compliance, and to a more efficient and profitable operation for the entire institution. There is a silver lining, however, if financial institutions are willing to recognize it.

Compliance 116

Compliance Data Regulation Analytics 116

PYMNTS

NOVEMBER 22, 2018

Chalk it up to “unviability of operations” in the wake of new regulatory guidelines, mandating upgrades that focus on the actual management of the physical cash at those machines. Since then, critics have noted the lack of effectiveness in achieving at least some of Modi’s stated goals, namely, combating black market activity. (By

ATM 187

ATM Payments Compliance Google 187

PYMNTS

NOVEMBER 5, 2018

The banks that are affected have $100 billion to $700 billion in assets, a tier that includes companies such as Capital One and U.S. In the latest quarterly results posted by Ant Financial, a net loss came for the period that ended on September 30, on the heels of heavy investment in markets including offline payments to underpin growth.

Regulation 128

Regulation Guidelines New York Groups 128

PYMNTS

JULY 23, 2019

The settlement also included guidelines for how the company should handle its users’ privacy in the future. The domestic value of the holdings in a Libra user’s wallet would change every time the global exchange rate fluctuations, incurring capital gains and losses with every purchase.

cryptocurrency 111

cryptocurrency Study Guidelines Washington 111

PYMNTS

JANUARY 15, 2019

central bank, is getting a bit worried about sharing some of the financial infrastructure with tech upstarts such as OnDeck Capital and Kabbage , a sense of caution that the newswire said puts the bank “at odds with other regulators looking to bring [those firms] into the fold.”. Reuters reported early Monday (Jan.

Fintech 148

Fintech St. Louis System Regulation 148

PYMNTS

NOVEMBER 28, 2016

Product placement, sponsored content and influencer marketing are hardly new phenomena as the advertising world works nonstop to keep pace with the internet. Consider Spotify’s branded playlists or Alibaba recruiting its APASS members for marketing purposes. Disclosure of sponsored content isn’t difficult.

Branding 100

Branding Millennials social media Marketing 100

CB Insights

OCTOBER 21, 2018

The market map below categorizes the Fintech 250 companies based on core area of focus. Top Deal: Ant Financial raised an unprecedented $14B Series C in Q2’18 that included General Atlantic, Warburg Pincus, GIC, Sequoia Capital China, Silver Lake Partners, T. Rowe Price, Temasek Holdings, and Primavera Capital Group, among others.

Fintech 78

Fintech Lending Capital Analytics 78

Abrigo

JULY 12, 2019

In some markets, retail deposit rates are still catching up to the past increases on the wholesale side. An updated pricing beta can have a huge impact on interest expense and the bottom line with response to market rate changes. retail rates will probably go higher since we are in a tight liquidity situation. Learn More.

Study 150

Study Risk Management Strategy Trends 150

PYMNTS

JUNE 27, 2019

The bill requires “the Economic Development and Commerce Department (DDEC by its Spanish acronym) to establish the standards and guidelines” for the sharing economy. And investors are still pouring capital into companies operating in the sector. Sharing Backlash.

Puerto Rico 109

Puerto Rico Los Angeles San Francisco Millennials 109

CB Insights

FEBRUARY 15, 2018

Sudden volatility has shaken the markets and the state of wealth management. Recognizing this gap, startups — including Forusall , Blooom , Vault , Human Interest , FeeX , and Guideline — are raising private market funding to scale cheaper and easier-to-use retirement savings products. WEALTH TECH TRENDS TO WATCH IN 2018.

Management 50

Management Fintech Guidelines Strategy 50

PYMNTS

JANUARY 17, 2017

The mandate stands that the federal government must award 23 percent of its “prime” contracts to smaller firms, and so, there is opportunity for SMBs to capitalize on that substantial potential business. You have to respond,” she said of the process, “or the business will go to a larger firm.”

Resources 100

Resources Guidelines Capital Course 100

Abrigo

SEPTEMBER 5, 2023

If actual practices vary materially from the written guidelines and procedures, the source of this discrepancy should be identified, and either actual practices or the written policy should be changed. a significant capital injection into the borrower, or other collateral such as liquid assets).

Policies 195

Policies Lending Risk Management Examples 195

PYMNTS

NOVEMBER 2, 2016

Another funny thing happened: sellers needed a way to capitalize on the demand that these marketplaces also aggregated. Sellers using the platform get access to vetted workers, while the workers themselves get hired by those looking for their specific skillset and willing to pay market price for it.

Guidelines 100

Guidelines Study Google Capital 100