Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

Community Bank 144

Community Bank Community Lending Louisiana 144

Independent Banker

NOVEMBER 30, 2021

We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example. Key Community Bank. At the heart of Key Community Bank’s work culture is connection. Greg Dennis, Key Community Bank. “We

Community Bank 164

Community Bank Community Texas Leadership 164

PYMNTS

AUGUST 4, 2017

Are community banks missing the chance to climb aboard the faster payments train? However, if recent developments in the financial services industry are any indication, innovation waits for no institution, company, agency or, for that matter, Fed report. faster payments system. faster payment system.

Community Bank 116

Community Bank Community Innovation Millennials 116

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. The traditional banking model may be disrupted, or about to be disrupted, depending on where you look. Mortgages and Credit Cards and Student Debt…. Mortgages ?

Lending 148

Lending Innovation Fintech Cards 148

Independent Banker

DECEMBER 31, 2022

We simply need to remember what makes us special as community bankers, and with that as our foundation, we can embrace this season of change in four primary ways: 1. Demonstrating the community bank difference. They want to come into the bank and say, “We need your support to figure things out.” Gaining advocacy wins.

Community Bank 218

Community Bank Community Hawaii Washington 218

PYMNTS

JULY 8, 2020

With commercial cards an increasingly popular choice in the B2B payments space, industry innovators are exploring pockets of opportunity to drive adoption through mitigating friction. For others, commercial card innovation comes in the form of overcoming the adoption hurdle of a lack of supplier acceptance.

Cards 132

Cards Capital Innovation Payments 132

PYMNTS

MARCH 28, 2019

ICBA Bancard, the payments services subsidiary of the Independent Community Bankers of America (ICBA), announced a new partnership with MK Decision (MK) for its online loan-origination system. Our mission — to stimulate local borrowing and local lending — is well aligned with ICBA Bancard and its community bank clients. “Our

Community Bank 190

Community Bank Community Lending Cards 190

ABA Community Banking

JUNE 6, 2024

On the latest episode of the ABA Banking Journal Podcast, Anthony Sharett, president of Pathward, discusses how his FDIC-insured bank works alongside depository institutions to expand offerings that enhance financial inclusion and reach the unbanked.

Innovation 59

Innovation FDIC Branding Community Bank 59

Bank Innovation

FEBRUARY 25, 2019

There are no lending products in fintech Aspiration's near-term future thanks to the neobank's new status as a broker-depositor.

Lending 170

Lending Fintech Community Bank Capital 170

South State Correspondent

JANUARY 4, 2023

Popular projects for 2023 include online loan and deposit onboarding utilizing third-party data to speed the process, compliance-as-a-service, payments, card controls, service case management, leveraging data for customer insights, and providing open banking APIs to customers. Develop a more innovative process. Conclusion.

Community Bank 195

Community Bank Capital Lending Training 195

Abrigo

MAY 8, 2024

Another example of using predictive AI is small business lending software that incorporates AI-driven lending intelligence. Abrigo Small Business Lending Intelligence powered by Charm provides loan rating risk scores, the probability of default, and how the score was calculated.

Examples 222

Examples Fraud Resources Risk Management 222

Bank Innovation

FEBRUARY 11, 2019

Cambr, a cloud-based platform powered by investment firm StoneCastle and digital banking software provider Q2 Holdings, is helping neo-banks and fintechs launch and scale up through a network of 850 community banks.

Community Bank 170

Community Bank Community Software Innovation 170

Independent Banker

NOVEMBER 30, 2021

Experts say community banks can use education, biometrics and solid cybersecurity practices to fight this growing area of crime. Say a scammer calls a community bank customer and gains their trust by using information obtained from a major data breach. By Elizabeth Judd. Examples of remote authentication fraud.

Fraud 160

Fraud Strategy Community Bank New York City 160

PYMNTS

SEPTEMBER 17, 2019

Instead, taking a look at the latest solutions to emerge on the market shows various applications for speed in commercial transactions, from faster deposits for small businesses, to virtual cards enabling faster invoice payments for suppliers. Community Banks Go Real Time.

Payments 109

Payments Community Bank Community Survey 109

Gonzobanker

FEBRUARY 8, 2022

While AOBA 2022 had its share of execs wanting to “fake it until they make it” with future innovation, credit is due to the bankers who are pouring real financial investment into new fintech experiments. and a trailblazer in the world of banking as a service (BaaS). The difference could be seen in what alpha bankers bragged about.

Fintech 165

Fintech Customer Experience Conference Technology 165

PYMNTS

JULY 14, 2017

The firm showed traction in its loan book, mobile efforts and credit card portfolio. bank (as measured by its asset base) beat Wall Street expectations. consumer remains healthy, evidenced in our strong underlying performance in Consumer & Community Banking. Card sales volume was $156.8 Revenue of $26.4

Cards 109

Cards Mobile Community Bank Conference 109

PYMNTS

OCTOBER 1, 2018

What does small business (SMB) lending look like? seems to be kicking off, showing evidence of surpassing traditional bank lending at many times. In Mexico, small business lending is muted across the board. In Mexico, small business lending is muted across the board. For example, alternative finance in the U.K.

Lending 115

Lending Survey Data National 115

South State Correspondent

JUNE 27, 2023

It’s a way for banks to speak with each other, and it started to be phased in during the first quarter of this year with the goal of a complete conversion by 2025. While this is mostly the domain of large banks, there are three reasons why your community bank should consider adopting this language to increase future bank performance.

System 195

System Data Examples Payments 195

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. The Bank Regulator Working for Merchants Award!

Fintech 194

Fintech Community Regional Technology 194

Gonzobanker

DECEMBER 19, 2022

Financial institutions that relied on mortgage banking fee income as a key earnings component have been left to make big adjustments. As if that wasn’t enough, regulators took a sledgehammer to debit fee income with Reg II changes that will begin reducing card-not-present interchange fees starting in July 2023. Goes to Sen.

Community 216

Community Fintech Industry Innovation 216

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

Community Bank 70

Community Bank Community Analytics Lending 70

PYMNTS

AUGUST 12, 2020

In a press release , the company announced plans to offer community banks and credit unions (CUs) its banking technology, which can enable these FIs to more adequately compete against larger banks. Funding Circle Takes A Closer Look At Open Banking. Over in the U.K.,

North Carolina 193

North Carolina Fintech Technology Community 193

PYMNTS

MAY 16, 2016

The alternative lending market is showing signs of defeat against traditional bank loans, and SMEs are strengthening their demands for more than the typical solutions currently offered by traditional FIs. In B2B payments, that means changes in how businesses access, protect and ultimately make their money. 65% of U.K. 65% of U.K.

Fintech 108

Fintech Lending Fraud Cards 108

Gonzobanker

DECEMBER 22, 2020

And how did community banks and credit unions respond to the COVID craziness? Financial institutions went from having no PPP lending program at all to funding their first loan in 90 days – and this with literally last-minute regulatory guidance. In the past decade, Mr. John Beale , longtime CIO of City National Bank.

Idaho 170

Idaho Community Industry Strategy 170

Independent Banker

MAY 26, 2016

Rebuilding a reputation as payment innovators. These nonbank players are viewed as disruptive and innovative, a position once held by financial institutions. These nonbank players are viewed as disruptive and innovative, a position once held by financial institutions. By Jeff Weikert.

Community Bank 70

Community Bank Community Innovation System 70

Independent Banker

OCTOBER 29, 2014

Big-brand megabanks, the Visa and MasterCard networks, and big-box merchants had signed up to become partners with Apple’s universal retail smartphone app that uses Near Field Communication and tokenization technologies. So where do ballyhooed mobile banking and payments developments among the biggest players leave community banks?

Mobile 105

Mobile Community Bank Community Technology 105

Independent Banker

JULY 30, 2015

His role is to research, develop and provide members with superior products and services that meet the ever-changing needs of community banks and to help them to increase their competitive advantage. Having the best products and services will help community banks continue to effectively serve and compete in their communities.

Resources 70

Resources Tools Community Bank Community 70

South State Correspondent

AUGUST 10, 2023

Banks will move that money from a “master account” via an internal transfer, wire, ACH, card, or other rail to the appropriate destination later that day. A KYC process, for example, can now be used in mobile account opening, online account opening, payments, lending, and various other functions. This stifles innovation.

System 195

System Examples Operations Data 195

Gonzobanker

DECEMBER 17, 2021

Huntington and TCF merge to create the $170 billion Midwest dynamo and vault them into one of the top 10 banks in the country. This is an innovation-seeking franchise that has built a solid brand and never got over its skis in execution. Goes to Larry Mazza and the crew at MVB Bank in West Virginia. 82% to over 2.3% You tell us.

Fintech 142

Fintech Strategy Leadership Lending 142

Gonzobanker

MARCH 9, 2022

While both firms have strong underlying technology and development shops, neither Finxact nor Technisys has the functional requirements to service all consumer and commercial account types for most regional and community banks. Let’s be clear Gonzobankers, these deals are NOT about massive numbers of bank core replacements.

Financial Technology 134

Financial Technology Technology Fintech Community 134

Gonzobanker

MAY 17, 2022

For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. The suboptimal structure of the bank tech world today has several root causes: Bank functional requirements go wide and deep.

Technology 134

Technology Regional Community Bank Community 134

Celent Banking

MARCH 16, 2015

With interest rates low and new regulations following the financial crisis, banks are running incredibly thin margins, and traditional revenue sources are no longer viable. P2P lending), and new payment schemes. Community banks differentiating from large institutions : This was a common thread running throughout the presentations.

Conference 100

Conference Retail Community Community Bank 100

CFPB Monitor

MAY 3, 2019

1026.51 (credit cards) and 12 C.F.R. It was no surprise then that the panel was comprised of five consumer advocates and one community banker from a total of eight panelists with not a single representative from the small dollar industry represented: Rev. A representative of a community bank offering small dollar loans below 36% APR.).

Michigan 68

Michigan Policies Utah Lending 68

CB Insights

FEBRUARY 20, 2020

The selection was based on several factors, including company-submitted data, business model, tech innovation, marketplace momentum, team strength, and more. Santander is expanding its existing relationship with nCino, deploying nCino’s bank operating system product to subsidiary Santander UK. Click to enlarge. .

Fintech 80

Fintech US Lending Cards 80

Gonzobanker

DECEMBER 20, 2018

Hats off to Greg for taking a $600 million credit union to a $5 billion innovator over his 25 years at the helm. Greg also leaves the organization knee-deep in technical innovation as PSECU has deployed Corelation core, Kony digital, Temenos origination and Sitecore CMS among other new solutions. Bank Sale of the Year.

Fintech 101

Fintech Conference Innovation Community 101

Gonzobanker

NOVEMBER 18, 2014

” John Mackey of Whole Foods encouraged the crowd to look outside their own business model for innovations as WF looks at the restaurant and tech sectors for many of its ideas, not just competitors. Innovation Showcase & Global Innovation Awards. Bank’s Dominic Venturo’s session on innovation rocked.

Chicago 97

Chicago Retail Branch Design Training 97

Gonzobanker

DECEMBER 20, 2019

. ————————————————————————— The ‘En Vogue’ Trend of the Year – Credit unions buying community banks. The bank’s strategy is laser-focused. It is an innovator with tech (e.g.,

Idaho 148

Idaho Conference Data Marketing 148