PYMNTS

DECEMBER 17, 2019

Bank study, nearly one-third of SMBs fail due to cash flow problems directly (i.e., Managing cash flow can be tricky work when one is new to the market or looking to expand because cash is in short supply. Managing cash flow can be tricky work when one is new to the market or looking to expand because cash is in short supply.

Lending 132

Lending Data Retail Capital 132

BankUnderground

JULY 20, 2022

In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. This effect was especially strong for undercapitalised banks and lending to risky firms. Why might negative rates work differently?

Policies 87

Policies Lending Capital Study 87

PYMNTS

JANUARY 29, 2020

can get loan approvals in minutes through its Worldpay Working Capital solution, which initially rolled out in March 2019. Working Capital makes it faster and easier for businesses to get access to the cash they need while allowing them to pay the funds as a percentage of their daily card transactions.”. FIS merchants in the U.S.

Lending 131

Lending Florida Capital Fintech 131

Abrigo

DECEMBER 23, 2022

Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions. Takeaway 2 Along with a five-part ALM 101 series that took a deep dive into risk-rating, popular posts touched on the value of core deposit studies. Others are on top of the data every year.

Resources 195

Resources Risk Management Study Strategy 195

PYMNTS

APRIL 22, 2019

Might banks be making inroads into the hearts and minds of smaller firms as they seek out capital – as some SMBs cite at least some dissatisfaction with non-banking lending conduits? In addition, the relatively higher online lending rates come against a backdrop of what we might term a bit more caution about non-traditional lending.

Study 122

Study Lending Online Survey 122

PYMNTS

NOVEMBER 1, 2019

Merchants and disbursements providers need to innovate quickly to stand up against their competitors, many of which are smaller FinTechs or startups that can capitalize on the host of customers that near-exclusively transact and receive money through digital and mobile devices. Instant payments are gaining in international markets.

Lending 112

Lending Trends Payments Mobile 112

PYMNTS

SEPTEMBER 18, 2018

And in lending, with the financial crisis in the rearview mirror, a decade on, invention – okay, innovation – has become a hallmark, at least in some corners. But a standstill in the credit markets created a vacuum for a bit, at least along traditional lending conduits. Necessity is the mother of invention.

Lending 148

Lending Innovation Fintech Cards 148

Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

How To 195

How To Lending Software Survey 195

Bank Innovation

FEBRUARY 20, 2019

candidates in Quantitative Marketing at Stanford Graduate School of Business, to find out. Can regularly checking your credit score actually help improve your results? We wanted to know the answer to that critical question, so Credit Sesame partnered with Megan Hunter Antill and Jessica Yu, Ph.D.,

Study 284

Study Analysis Marketing Operations 284

Gonzobanker

DECEMBER 8, 2021

Hot embers continue to glow in the fintech market that GonzoBanker mothership Cornerstone Advisors serves. Some perspective on how fast this fintech market is moving: Fintech Labs tracks 269 $1B+ valued fintech unicorns that have been founded in just the past two decades. According to CB Insights, US fintechs raised $14.6B

Fintech 213

Fintech Los Angeles Lending Analytics 213

PYMNTS

MARCH 29, 2016

The European Union is in the midst of several upgrades and overhauls within its financial sector, including ongoing efforts to improve access to working capital for the region’s small and medium-sized businesses. The latest figures show levels of bank lending to large corporates has recovered back to pre-crisis levels.

Lending 100

Lending Capital Report Regulation 100

BankUnderground

FEBRUARY 5, 2021

Emerging markets (EMs) have become more exposed to the global financial cycle in recent years. Negative liquidity shocks on the other hand constitute a tightening of financial conditions, reducing lending and real investment ( Bruno and Shin (2015) and Avdjiev et al (2018) ). Aakriti Mathur and Shekhar Hari Kumar.

Marketing 95

Marketing Policies Study Tools 95

PYMNTS

JANUARY 6, 2020

The annual survey — a 2019 study that gives insights into small business performance in 2018 — polls companies with under 500 employees and is conducted by the 12 Federal Reserve Banks. The market’s creation was a spark that ignited a slew of disruptive changes for the small business financial services space. More than half of U.S.

Survey 130

Survey US Capital Lending 130

PYMNTS

DECEMBER 11, 2019

When it comes to lending — to say nothing of the wider world of payments — innovation and disruption have been on the rise in recent years thanks to digital and mobile technology, along with online marketplace models. So-called peer-to-peer (P2P) lending has certainly faced challenges in certain markets. Despite lending £6.7

Fintech 144

Fintech Lending Regional Regulation 144

BankUnderground

OCTOBER 19, 2023

Simon Lloyd, Daniel Ostry and Balduin Bippus How much capital flows move exchange rates is a central question in international macroeconomics. First, owing to the UK’s position as the world’s largest international financial centre , our data covers a large share of international flows – both in absolute terms and relative to other studies.

Capital 102

Capital Lending Policies Data 102

BankUnderground

FEBRUARY 11, 2021

Large amounts of capital flow across borders. Our case study of French banks operating in London – part of a broader international initiative – suggests prudential policies have a much bigger offsetting effect on French banks’ lending out of the UK’s financial centre than on their lending out of headquarters in France.

Policies 102

Policies Lending Capital Case Study 102

PYMNTS

FEBRUARY 27, 2020

At the same time, digital banks are looking to capitalize on their growing small and medium-sized business (SMB) customer base, with open banking and bank-FinTech collaborations an important part of that strategy. Open banking may seem like an inevitability in any market, but in China, the path to unlocking bank data may be more complicated.

Fintech 192

Fintech Fraud Data Lending 192

South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. Virtually no ongoing or upfront costs.

Community Bank 195

Community Bank Community Compliance CA 195

BankUnderground

JANUARY 27, 2021

One key message stands out: banks that are more rooted in their market are much more likely to continue lending when faced with the economic fallout from such shock. Banks with access to central bank liquidity continued or even expanded their lending. A pandemic or natural disaster can impact lending in several ways.

Lending 68

Lending Study Marketing Capital 68

Abrigo

MARCH 21, 2023

Takeaway 2 Some banks and credit unions were late movers and are now scrambling to lock in funding for the short term to meet liquidity and capital needs. The blue line shows the effective funds rate, or the average rate at which institutions are actually lending and borrowing funds from one another. billion, while Q4 averaged $100.97

Risk Management 195

Risk Management Management Strategy Lending 195

South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. We see borrowers trying to out-predict the market by guessing what the Fed might do, analyzing economic trends, studying graphs, or talking to friends at cocktail parties.

Marketing 195

Marketing Examples Capital Management 195

PopularBank

APRIL 3, 2024

A study from the University of Chicago found the number of retirees within that segment will nearly double in the next 10 years. Construction costs for middle-market senior housing. To tackle the middle market senior housing gap, preserving existing senior housing is key. higher in 2022 than in 2021.

Community 52

Community Operations Arizona United States 52

PYMNTS

MARCH 2, 2018

. “The merchant cash industry first started as a product for unbankable clients,” said Andrew Mallinger, COO of PIRS Capital, in a recent interview with PYMNTS. “It The rise of alternative lending and familiarity of growing names like OnDeck is beginning to shift public perception of the merchant cash advance, however.

Capital 119

Capital Lending Louisiana Data 119

Abrigo

DECEMBER 17, 2021

In fact, corporate culture is more important to an innovative culture than the institution's size, level of investment, location, or regulatory environment, according to a recent study by the ? Lending & Credit Risk. Lending & Credit Risk. Lending & Credit Risk. Digital Banking Report. Asset/Liability.

Fintech 195

Fintech How To Innovation System 195

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. 1,000+ payments now are 15% of the market which is also a new development.

Trends 195

Trends Cards Capital Data 195

PYMNTS

JUNE 17, 2019

Analysts say that the participation of companies like Facebook and AT&T lends the crypto space an air of legitimacy that helps to distance it from views that it’s only used for criminal activity, or untrusted trading. RBC plans to study the paper so it can “help investors analyze the underlying crypto economics of the token.”.

Bitcoin 136

Bitcoin social media cryptocurrency Study 136

PYMNTS

JULY 12, 2018

Cuomo on June 1, 2017, required DFS to study online lending in New York State and submit a report of its findings. Our review shows that while online lending has grown in recent years, our banking industry still supports the overwhelming majority of lending in New York while being subject to strong safeguards and oversight.

Online 100

Online New York Lending Regulation 100

BankUnderground

FEBRUARY 18, 2021

As banks’ capitalisation declined, banks’ wholesale creditors responded by demanding higher interest rates to lend to them. In a working paper , we show that modelling the relationship between banks’ market-based leverage and funding costs in a stress requires a non-linear econometric model.

Marketing 102

Marketing Analysis Policies Study 102

CFPB Monitor

AUGUST 1, 2022

While the executive order focused on cryptocurrency and digital assets, it also more broadly directed agencies to take concrete steps to study and support technological advances and promote equitable access to safe and affordable financial services. . In the introduction to the RFI, the FHFA noted President Biden’s March 2022 executive order.

Financial Technology 78

Financial Technology Technology Fintech Compliance 78

PYMNTS

AUGUST 7, 2018

OnDeck Capital reported second quarter results that showed continued growth in loan originations and improved credit quality metrics. On the conference call, management noted the strength of small business lending that has continued against a sanguine macroeconomic environment. percent, where last year it was 7.2

Conference 100

Conference Lending Analytics Capital 100

PYMNTS

SEPTEMBER 13, 2017

The latest edition of the PYMNTS.com B2B API Tracker™ , a FI.SPAN collaboration, examines how APIs are helping both banks and smaller businesses address their fears and embark on new ventures in new markets. Traditional banks are seeing new FinTech players become more competitive on several fronts, including lending.

Strategy 190

Strategy Report Lending Fintech 190

PYMNTS

APRIL 2, 2019

Which is what they’ve done, she pointed out: They have modified the loans in terms of amount, interest rates and terms, while holding onto the parts of the program that have most closely correlated with success in other markets. This first study is the first six-month check-in. The results, thus far, are positive. A Long Journey.

Tools 126

Tools Study Los Angeles New Jersey 126

PYMNTS

SEPTEMBER 8, 2017

Best highlights the strength of China’s logistics market, which saw $1.6 percent of the nation’s express delivery market in the first six months of 2017, reports said. Chinese companies, especially FinTechs, are beginning to turn to overseas public offerings to raise new capital, according to reports earlier this week.

United States 100

United States Google Fintech Maine 100

PYMNTS

SEPTEMBER 18, 2018

17) that the city financial center, the Abu Dhabi Global Market (ADGM), has debuted a “sandbox” for digital offerings in tandem with Abu Dhabi’s Department of Economic Development. “ Announcements came Monday (Sept. The suit alleges that such charters would create “too big to fail” enterprises engaged in banking. Open Banking, APIs In The UK.

Fintech 166

Fintech New York US National 166

PYMNTS

SEPTEMBER 20, 2017

Chinese companies, especially FinTechs, are beginning to turn to overseas public offerings to raise new capital. Analysts say the trend is the result of tightened regulations at home, especially those impacting alternative lending startups. “An It’s also eyeing the ICO market with concern, recently banning them altogether.

United States 100

United States Fintech Maine Study 100

PYMNTS

MAY 15, 2019

No one in the study explicitly mentioned this risk as a difficulty. It also limited spending on capital expenditures, production capacity, inventory purchases, new hires and marketing efforts. percent think immediate payments could help expand marketing efforts and grow their businesses. One-third (32.3 Specifically, 36.6

social media 108

social media Study Payments Operations 108

Abrigo

AUGUST 3, 2015

The survey also found compliance burdens were limiting new product launches, new channel openings and/or new market entrance at more than 45 percent of responding banks. The benefit of community banks has always been a more customer-focused and community-based approach – they understand and trust the markets they serve.

Compliance 150

Compliance Community Bank Community Survey 150