PYMNTS

DECEMBER 17, 2019

Bank study, nearly one-third of SMBs fail due to cash flow problems directly (i.e., CircleUp entered the market in 2012 as a data driven variation on venture capital (VC) funding to solve for part of that problem in retail and consumer packaged goods (CPG) firms. According to a U.S. they run out of money).

Lending 132

Lending Data Retail Capital 132

Abrigo

DECEMBER 23, 2022

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. They must meet both expected and unexpected cash flow and collateral needs without adversely affecting daily operations or financial performance. Complimentary ALM guidance.

Resources 195

Resources Risk Management Study Strategy 195

PYMNTS

SEPTEMBER 25, 2020

He said to do so they must take the long-term view while being mindful of the intersection of finance, operations and the customer experience while finding new methods to measure and address pain points. A study conducted by PayPal and PYMNTS revealed that 40 percent of customers are shopping more digitally than physically.

San Jose 261

San Jose Baltimore Nebraska Community 261

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. According to the survey, while revenues grew for most, the percentage of firms operating at a profit remained unchanged from the previous year’s report.

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. More Focus on P2P Lending.

Fintech 144

Fintech Lending Regional Regulation 144

Bank Innovation

FEBRUARY 20, 2019

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., candidates in Quantitative Marketing at Stanford Graduate School of Business, to find out.

Study 284

Study Analysis Marketing Operations 284

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

Jeff For Banks

JULY 19, 2020

Excess Capital 3. I defined excess capital as top quartile tangible equity to assets for the most recent year ended 2019. We surely should award higher multiples to faster growers, with top quartile capital, and a superior deposit mix than those that lack those attributes. SBA Lending. The three attributes were: 1.

Lending 109

Lending Capital California Taxes 109

PYMNTS

AUGUST 20, 2020

million SMBs operate across the country and account for 64 percent of new jobs. Only 35 percent of such businesses make it past their first decade in operation. SMB Lending Risks. Lenders are struggling to detect and stop these fraud attempts, with only 43 percent saying that they are very effective at identifying lending fraud.

Fintech 177

Fintech Fraud Lending Regulation 177

PYMNTS

FEBRUARY 20, 2018

The report said SMBs that took out a business loan reported nearly twice as much revenue after three years as SMBs without debt when they first began their operations. The firm is capital-constrained from the beginning and must spend less on investments that produce future revenues.”.

Study 116

Study Florida Report Operations 116

Abrigo

DECEMBER 1, 2014

As many credit unions are just beginning to develop or expand member business lending (MBL) programs, it is important develop or tighten a sound MBL strategy to ensure long-term success in managing risks. Evaluate the level of capital needed. ” This study should include: • Industries. billion to $43.16 • Loans.

Strategy 186

Strategy How To Resources Lending 186

PYMNTS

NOVEMBER 16, 2020

For buyers, the system allows them to generate extra cash through early payment discounts and finance payments if they need more working capital. American Express said a study showed that early payment and payment automation could allow buyers to realize nearly $8.84 billion in savings via discounts.

Payments 192

Payments Cards System Strategy 192

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. The so-called “forgotten middle” has been a hot topic for many owners and operators as they look to enhance the options with independent housing and assisted living, hoping to help those trapped in the middle gap.

Community 52

Community Operations Arizona United States 52

PYMNTS

MARCH 30, 2020

Today, nearly all SMBs (those that remain in operation, that is) have been forced to divert that sense of optimism into a battle for their survival. Most businesses, SMBs included, plan for rainy days, and have access to capital of some kind to smooth over those lumpy cash flow crunches. In other words, not right away.

Maine 232

Maine Data Capital Study 232

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. Unfortunately, some banks adopted BSBY as one of their preferred indexes and in doing so created risk in derivatives and operations.

Community Bank 195

Community Bank Community Compliance CA 195

Gonzobanker

FEBRUARY 8, 2023

Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists. According to Cornerstone Advisors’ What’s Going On in Banking 2023 study, there are about 500 community banks and credit unions making direct investments into fintech startups. billion in capital into fintech startups in 2023.

Community Bank 99

Community Bank Community Fintech Leadership 99

PYMNTS

SEPTEMBER 13, 2017

But, because these solutions — like Bitcoin — are largely untested, many traditional banks are wary of investing in companies that operate in the space. Here’s a snapshot of some recent notable B2B API news: For many smaller merchants, fear is very much a factor when it comes to globally expanding their operations.

Strategy 190

Strategy Report Lending Fintech 190

Abrigo

NOVEMBER 2, 2016

Banks operating in oil and gas intensive areas of the U.S. have experienced a significant increase in nonperforming commercial and industrial loans, but not in other types of loans – at least so far, according to a recent study by Federal Reserve researchers.

Comparison 150

Comparison Regional Study Risk Management 150

PYMNTS

NOVEMBER 16, 2020

For buyers, the system allows them to generate extra cash through early payment discounts and finance payments if they need more working capital. American Express said a study showed that early payment and payment automation could allow buyers to realize nearly $8.84 billion in savings via discounts.

Payments 132

Payments Cards System Strategy 132

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

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. Studies on natural disasters are more common and can give some further insights.

Lending 68

Lending Study Marketing Capital 68

PYMNTS

APRIL 16, 2019

A solution, he told PYMNTS four years ago , that had nothing to do with financial services or lending at all — they were actually studying hiring and figuring out ways to track employability over time with data. Today, Upstart is a profitable firm, which means it didn’t need to raise $50 million to fund operations.

Kansas City 223

Kansas City Lending Omaha Kansas 223

PYMNTS

MAY 22, 2020

The data painted a dark picture for Main Street retail this week, with a new Facebook & Small Business Roundtable study showing that over 30 percent of small to medium-sized businesses have either failed or don’t see a way forward due to the pandemic. The federal role will extend beyond capital,” Katz noted.

Maine 138

Maine Philadelphia Community Groups 138

PYMNTS

JUNE 2, 2017

Since banks typically want to see at least three years of financal data when making funding decisions, our study confirms that established businesses with higher annual revenues are more likely to be approved for loans than newer companies owned by younger applicants.”. Biz2Credit also uncovered obvious patterns between age and other metrics.

Millennials 111

Millennials Study Lending Capital 111

PYMNTS

MAY 1, 2020

The first tranche stated that firms had to prove economic uncertainty made it necessary to get the loans in order to prop up operations. Against that backdrop, companies such as Shake Shack and other relatively well-capitalized outfits applied for, and got, funds to the tune of millions of dollars. The read across may be ominous.

Maine 178

Maine Study Lending Report 178

PYMNTS

MAY 15, 2019

No one in the study explicitly mentioned this risk as a difficulty. percent) said offering trade credit made day-to-day operations harder, though. It also limited spending on capital expenditures, production capacity, inventory purchases, new hires and marketing efforts. One solution has been trade credit insurance.

social media 108

social media Study Payments Operations 108

PYMNTS

APRIL 2, 2019

But what has gotten less attention – largely because the practice is less common – is how microlending operations play out in developed nations like the U.S. Grameen has released its first study on that subject: “Microfinance in the United States: Early Impacts of the Grameen America Program.” The results, thus far, are positive.

Tools 126

Tools Study Los Angeles New Jersey 126

PYMNTS

SEPTEMBER 18, 2018

In the last three years, ADGM has been building a globally connected platform to support financial intermediation and facilitate capital flows for all companies, including startups and [small- to medium-sized enterprises (SMEs)],” ADGM Chairman Ahmed Al Sayegh said. Announcements came Monday (Sept. Startup accelerators are in place.

Fintech 166

Fintech New York US National 166

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

BankUnderground

FEBRUARY 5, 2021

Positive liquidity shocks – that is, a loosening of global funding market conditions – have led to exchange rate appreciations, reductions in long-term bond yields, stock market booms, and increased gross capital flows to EMs ( Bhattarai et al (2018) ). Chart 1: Event study results: cumulative percentage change in EM interbank rates.

Marketing 95

Marketing Policies Study Tools 95

PYMNTS

SEPTEMBER 19, 2019

The Brexit saga is a case study in uncertainty ever since then-British Prime Minister David Cameron stepped down June 24, 2016, the day after the referendum vote unexpectedly ruled in favor of leaving the European Union. Bank lending to business has hit its l owest level in two years. With Brexit’s Oct. Lots have happened.

Case Study 181

Case Study Lending Regulation Study 181

PYMNTS

JUNE 28, 2016

There are the traditional routes, like small business bank loans, and then there are the alternative and online lending sources. Some need working capital to grow; others are bracing for working capital fluctuations or economic uncertainty. Adding to the evidence that the U.S. But the news isn’t all positive.

Capital 106

Capital Lending Survey Cards 106

Bankelele

OCTOBER 21, 2015

The Central Bank of Kenya, Financial Sector Deepening Trust Kenya and the World Bank, have published a study on bank financing of Small and Medium Enterprises (SMEs) in Kenya ($1=Kshs 100). The total SME lending portfolio in December 2013 was estimated at Kshs. 332 billion, representing 23.4% of all banks’ total loan portfolio.

Lending 28

Lending Capital Analysis Mobile 28

Jeff For Banks

APRIL 25, 2015

I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. But that is because de novo's are limited to making a loan to one borrower of 15% of their capital position. How do I know this?

FDIC 60

FDIC Capital Community Bank Lending 60

PYMNTS

JULY 11, 2017

And, as a result, higher fees for consumers levied by cautious lenders, when they lend at all? Chamber of Commerce Center for Capital Markets Competitiveness. The referenced studies and research harken back to 2015 when the CFPB initially proposed its rules. Is that the headline for July 10?

Cards 101

Cards Lending Study Industry 101

PopularBank

OCTOBER 13, 2020

According to a recent study , the state experiences one of the worst racial wealth gaps in the nation. Backed by prominent Black and Latinx investors, NWK FAM Fund aims to raise $100 million total in investible capital. Chairman, Montclair Capital Group. NWK FAM Fund Seeks to Narrow the Wealth Gap in New Jersey. Carlos Medina.

New Jersey 52

New Jersey Community NJ New York 52

CFPB Monitor

MAY 13, 2019

On Wednesday, May 8, the Federal Trade Commission hosted a special forum exploring small business lending practices, regulations, and policies.

Case Study 68

Case Study Policies Lending Capital 68