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

PYMNTS

FEBRUARY 3, 2020

Goldman, according to reports in Bloomberg, would be added to the Amazon lending platform, which has traditionally helped merchants get the funding they need to get inventory. Amazon Lending traces its roots back to 2011, and the company had $863 million in SMB loans, according to recent filings with the Securities and Exchange Commission.

Lending 146

Lending Apple Study Online 146

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

Abrigo

FEBRUARY 13, 2020

McAdam says that this year’s study reveals a “tipping point” in banking’s digital transformation, where adoption and satisfaction are both gaining high marks. Lending & Credit Risk. Breaking Down The 2020 Business Lending Readiness Survey: Roadblocks to Top Results. CRE Lending. Lending & Credit Risk.

Community 273

Community Lending Management Innovation 273

FirstInternet

FEBRUARY 24, 2021

Here are some critical questions that borrowers should ask of potential lending partners, and details they should know about the process: 1. Services can include: Single Tenant Net Lease Financing: Lending for national and regional tenants, such as drugstores, restaurants, convenience stores and others. Are you an expert in my market?

Lending 52

Lending Community Training Taxes 52

PYMNTS

MARCH 30, 2020

More than half of the retail businesses we studied operate shops that sell clothing, accessories, household furnishings and gifts; provide personal services such as hair and nail salons; and operate fitness studios, neighborhood convenience stores, grocers, car dealers and auto parts stores. In just 21 days. .

Maine 232

Maine Data Capital Study 232

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

South State Correspondent

AUGUST 16, 2023

Capital rotation is to HELOCs and away from autos. Within autos, the capital rotation is for new cars over used cars. Consumer Credit – Cards There is a shift of capital occurring to the prime tiers of cardholders. Consumers are going through a revaluation valuing more retail products over travel products (i.e.,

Trends 195

Trends Cards Capital Data 195

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. Retail sales in the U.K. Bank lending to business has hit its l owest level in two years.

Case Study 181

Case Study Lending Regulation Study 181

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

Celent Banking

APRIL 7, 2017

Capital One, USA. Lending Product. Each of the award winning initiatives is published as a case study and available to Celent research clients by following the links above. In the meantime, enjoy the case studies and let's celebrate the Model Bank winners of 2017! Bank of America, USA. Risk Management. CBW Bank, USA.

Case Study 189

Case Study Boston Risk Management Study 189

Bobsguide

SEPTEMBER 23, 2022

Together, we are bringing benefits of our global network to thousands of banks globally, providing a wide range of new and existing case studies to clients.”. “We are excited to partner with Finastra to support the enablement of their bank customers worldwide with simple access to Visa Direct. Global Head of PR. T +44 (0)7917 613586.

Case Study 74

Case Study Innovation Payments Study 74

Abrigo

AUGUST 3, 2015

“By capping the amount that banks can charge retailers for debit swipes, Dodd-Frank forced many to cover for the losses by ending free checking for low-end clients.” These smaller institutions are often less equipped to meet and manage regulatory compliance requirements, resulting in higher average costs and some seeking consolidation.

Compliance 150

Compliance Community Bank Community Survey 150

BankUnderground

JULY 29, 2020

However, the empirical literature, most prominently Heider, Saidi and Schepens (2019) , find that commercial banks generally do not push deposit rates to negative levels, so that negative policy rates compress banks’ net interest margins and hence their willingness to lend. Fiscal Policy. Macroprudential Policy.

Policies 106

Policies Lending System Tools 106

CFPB Monitor

AUGUST 22, 2016

According to the CFPB, the new members “include experts in consumer protection, financial services, community development, fair lending, civil rights, consumer financial products or services, representatives of community banks and credit unions, and scholars with relevant methodological and subject matter experience.”

San Antonio 60

San Antonio Kansas City Groups CA 60

Lex Sokolin

DECEMBER 10, 2020

The offering is a full on banking, payments, and capital programming environment that connects to Goldman Sachs, Barclays, and Citi. The case study of Shopify is case in point?—?the The value proposition is an embedded “monthly payments” button inside of a retail mobile experience. Who is Doing the Embedding? So far so good!

Branding 52

Branding Apple Capital US 52

Lex Sokolin

DECEMBER 10, 2020

The offering is a full on banking, payments, and capital programming environment that connects to Goldman Sachs, Barclays, and Citi. The case study of Shopify is case in point?—?the The value proposition is an embedded “monthly payments” button inside of a retail mobile experience. Who is Doing the Embedding? So far so good!

Branding 52

Branding Apple Capital US 52

Gonzobanker

APRIL 23, 2020

In addition to standard CRE groupings of office properties (owner-occupied, multi-tenant, multi-family, retail/restaurant, industrial, land, etc.), The scenarios and data an institution used in a prior stress test will help it find potential problems in unemployment, vacancy rates, collateral values, capital rates and property value trends.

Management 79

Management Tampa Analytics Data 79

Gonzobanker

JULY 28, 2014

Lending execs across the country were clearly dissatisfied with how manual processes and lackluster technology were used to stumble through those massive re-fi volumes. Bankers face a lot of work and challenges as they attempt to marry new lending systems with elegant, customer-friendly lending processes. Now we’re talking! .

System 102

System Lending Data US 102

PYMNTS

SEPTEMBER 22, 2017

Bankruptcy claims a marquee name in tyke-focused retailing, as the Amazon effect continues. The slowdown in new businesses being founded in the 1980s and 90s was largely quarantined to certain segments – especially retail, where corner stores and regional brands were falling to larger national chains. Toys R Us: Toys Were Us?

US 108

US Apple Innovation Regulation 108

PYMNTS

MAY 18, 2018

while Kroger gets a stake in the company worth about 5 percent of existing share capital, valued at $247.5 based retailers. ” As part of its continuing expansion into retail, Chef’d has partnered with Byte Foods to bring its meal kits into 100 of Byte’s unattended retail locations in California.

San Francisco 100

San Francisco California Operations social media 100

Fintech Labs Insights

AUGUST 12, 2016

If unanimously positive perceptions are the hallmark of a bubble, then rest assured that the alt-lending market has moved past that stage. So if there’s no bubble in the alt-lending part of the fintech universe, should we fear a bust? Looking at the P2P lending market in the U.K., Other trending topics.

Trends 12

Trends Lending Fintech blockchain 12

CB Insights

OCTOBER 24, 2018

get the entire 47-page lending report. See how startups and big tech are reinventing traditional lending. Download our deep dive into the disruption of lending. As competition increases and POS lending goes mainstream, startups are raising substantial funds to grab market share. valuation (10/8). Top players.

Millennials 65

Millennials Lending Cards Capital 65

PYMNTS

FEBRUARY 10, 2020

The impression may be that the tax amounts to a “papercut,” but it “could impact working capital of small businesses.”. Amazon India and Flipkart stated that they are both studying the proposed tax.

Taxes 175

Taxes Illinois Study Operations 175

PYMNTS

JUNE 22, 2020

And second, the Opportunity Fund has also seen that every dollar it lends to an SMB creates $2 in local economic activity in the form of wages, spending and tax revenues. Studies show that many small businesses — [primarily] minority-owned businesses — have an average of two weeks of cash on hand. I Think We Can Do It’.

Maine 246

Maine Lending Community Fintech 246

PYMNTS

APRIL 23, 2018

Disintermediating the established intermediaries has become something of an art form in payments and retail these days. Physical retail is being disintermediated by a host of new players using digital technologies and data that further erode their relevance. Take retail. See the Future — or Face the Inevitable. Yes, they do.

Retail 117

Retail Maine Lending Software 117

Tefkin

JUNE 3, 2014

While other sectors attract more mainstream press attention (payment, retail banking), the asset management industry is also deeply affected by “software eating the world” Asset Class Competition. Traditional asset management companies are increasingly facing competition on both sides of the performance scale.

Industry 42

Industry Management Innovation Analysis 42

FICO

FEBRUARY 12, 2023

The business model here needs to focus on a strategy that balances lending growth while keeping risk in check. Future-proofing your organization now involves studying behavioral science and how people engage with technology. Think about the digital journey you’re trying to take people on.

Digital Banking 52

Digital Banking eBook Analytics Customer Experience 52

PYMNTS

JUNE 30, 2017

That may prove true even as people are happy to subscribe, with recurring dollars, to different services, as evidenced by retail commerce subscription conversion data. Capital One, already hit with souring lending, has some hurdles here. Capital One was the only U.S. Federal Reserve to pay capital out to its investors.

Capital 100

Capital ATM Google Marketing 100

Gonzobanker

DECEMBER 22, 2015

In the age of Twitter, Apple Pay and Lending Club, it’s important to remember the shareholder performance delivered by Gleason and team when compared to the behemoths. To PNC , who at BAI Retail Delivery pointed to hiring a behavioral psychologist to review its origination process. Bravo OZRK! Freudian Slip Award.

Community Bank 60

Community Bank Apple Community Technology 60

CB Insights

SEPTEMBER 10, 2019

Being comfortable with the idea of alternative financial systems has opened the door to a variety of innovations, from alternative investment vehicles like cryptocurrency to point-of-sale lending alternatives. Borrowing: Credit-shy millennials embrace PoS lending. Digit has raised $36M in venture capital to build out its service.

Millennials 77

Millennials Mobile Lending Cards 77

CB Insights

MAY 23, 2019

Crescent Ridge Capital Partners’ elaborate Ponzi scheme. Select Investors: AllianceBernstein, Lightspeed Venture Partners, Glade Brook Capital Partners. Select Investors: CapitalG, Goldman Sachs Investment Partners, Pritzker Group Venture Capital. Select Investors: BlackRock, Norwest Venture Partners, Sands Capital.

Fraud 78

Fraud Las Vegas Company Video 78

PYMNTS

APRIL 13, 2020

PYMNTS has studied more than 700 SMBs since March 24 to understand the impact of the pandemic on their operations, the stability of their businesses, their access to cash and working capital, and their efforts to slow their cash burn and pivot their approach if possible. In fact, it didn’t move the needle at all.

Maine 288

Maine Study Operations Retail 288

CB Insights

NOVEMBER 9, 2017

In this review of failure, we’ve looked in our venture capital database to find the most well-funded startup companies that ultimately failed or had an undesirable exit, such as an asset sale or an acquisition for less than the total funding raised by the company. The 101 Biggest Product Failures Of All Time. Total Funding: Over $100M.

Capital 78

Capital Company San Francisco Operations 78

Fintech Labs Insights

AUGUST 16, 2016

Early this summer, we started reviewing applications from companies excited to present their latest fintech tools, technologies, APIs, platforms, case studies, and tutorials at FinDEVr Silicon Valley 2016. Personal Capital uses customers’ financial data to overcome the cumbersome process of opening investment accounts.

Analytics 12

Analytics Data Fintech Case Study 12

CB Insights

OCTOBER 10, 2017

A host of startups have emerged to capitalize on this trend. We studied 7 of the fastest-growing personal finance startups of all time, including Robinhood, and dove into what they did to achieve their massive results. Ninety-two million millennials will soon be in what Goldman Sachs calls their “prime spending years.”

Tools 78

Tools Millennials US Maine 78

CB Insights

MAY 15, 2019

Capital One — Capital One Labs. Key people: James Patterson, Managing VP & Head of Capital One Labs at Capital One. Capital One Labs aims to streamline the product creation process, with a focus on consumer-first design. Notable projects: Capital One Cafes have been popping up in cities all over the country.

Innovation 78

Innovation blockchain Technology Groups 78