South State Correspondent

MARCH 6, 2023

We argued that community banks should favor 1.40X to 1.50X DSCR credits, as that is the minimum cash flow required to withstand a standard recession. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion. debt yield ratio ($135k divided by $1.5mm).

Community Bank 195

Community Bank Community Lending Regional 195

PYMNTS

JANUARY 1, 2018

Investors in financial markets consider many complex variables to mitigate risks and maximize returns. It is less well known whether community college degrees are worth the cost. Evidence on labor market returns from associate degrees can be hard to come by. Community college students could benefit from similar advice.

Regional 167

Regional Training Mississippi Community 167

Bobsguide

JULY 11, 2017

On 29th June, the FIX Trading Community held its summer London regional event kindly hosted by BNP Paribas, bringing together market participants to debate hot topics affecting the industry. And of course, there is nothing more pressing at the moment than the looming MiFID II deadline.

Regional 83

Regional Course Community Industry 83

South State Correspondent

SEPTEMBER 20, 2023

For starters, a customer may carry large balances but not generate franchise value if those balances are all in high-paying money market accounts or are highly volatile. Of course, all things are rarely equal. Finding this intersection is the key to the efficient use of sales and marketing resources.

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. Whole Banking is a Function of Team Banking Selling, servicing, and marketing small business banking is expensive because of the complexity.

Conference 195

Conference Retail Community Bank Technology 195

PYMNTS

OCTOBER 22, 2019

This developing world of payments and the fierce competition offered by non-traditional providers of financial services presents big challenges to smaller and community banks – those financial institutions (FIs) with less than $10 billion in assets. Deposit Trends. That brings [smaller] banks an immediate string of deposits,” Good said.

Community Bank 116

Community Bank Community Operations Leadership 116

PYMNTS

APRIL 10, 2020

This is true for the payments industry at large as well as for the vertical markets Flywire serves, including education, healthcare and travel. Like all of us, our clients are trying to navigate the best path to support their employees, customers, partners and community — and, of course, to protect their bottom line.

Payments 150

Payments Regional Resources US 150

PYMNTS

APRIL 23, 2019

However, according to Ondot Systems CEO Bharghavan Vaduvur (BV) in a recent conversation with PYMNTS’ Karen Webster, win or lose, Apple will change the conversation about how we pay by spurring existing stakeholders — especially card issuers — to examine how they come to market.

Apple 200

Apple Cards Payments Course 200

BankUnderground

JANUARY 26, 2023

Changes in the UK housing market trends since the start of the pandemic To analyse trends in the housing markets during the pandemic, we examine differences in growth rates of housing prices across different regions of the UK, as well as across different types of housing (such as flats versus detached, semi-detached or terraced houses).

Regional 101

Regional Analysis Policies Trends 101

FICO

MARCH 28, 2023

I founded a FICO Women Leaders initiative that uses networking and the power of community to help women succeed as leaders in a highly complex technology firm. We have also organized regional forums for female leaders in fintech, such as a recent Women in Leadership event held in Toronto in December 2022. Join us there!

Leadership 52

Leadership Software Community Florida 52

Gonzobanker

JULY 6, 2021

It has become crystal clear that digital transformation is now the largest technology initiative for regional and community financial institutions. Maybe this is the new reality for community bankers, but Cornerstone Advisors is seeing little evidence that they’re serious about implementing a comprehensive digital strategy.

Strategy 155

Strategy System Risk Management Technology 155

PYMNTS

MARCH 24, 2020

Markets are tumbling. In an interview with Karen Webster, James Huang, Payoneer ’s regional vice president of Greater China, said the seismic shifts underway signal a change in how global online consumers interact with Chinese eCommerce sellers. That indicates that existing sellers, of course, are seeing more sales volume.

Retail 196

Retail Online Regional Course 196

PYMNTS

JANUARY 17, 2020

communities. Companies such as Open Broadband are trying to seize on such opportunities — often working closely with regional and local economic development officials — to improve the internet situation. “We Of course, Open Broadband is not alone in this general area. I really don’t think it will upend our market,” he said. “If

Payments 131

Payments Los Angeles San Francisco New York City 131

Jeff For Banks

APRIL 4, 2010

Community banks tout themselves as better than national and regional banks because of how close they are to their communities. When the bank opened in 1905, Hallstead was already a thriving community. Over the course of the bank’s history, that has changed remarkably. The town and the bank continued to grow.

Community Bank 60

Community Bank Pennsylvania National Community 60

PYMNTS

SEPTEMBER 28, 2020

Business spend by companies is largely centered on customer acquisition — chiefly on marketing and PR. Of course, the gradual re-emergence of companies — and a tentative recovery of top lines — may need a bit of a helping hand, chiefly in establishing liquidity to weather the storm that’s still here. FinTechs To The Rescue?

Fintech 291

Fintech Examples Industry Management 291

PYMNTS

FEBRUARY 28, 2018

At best—its originator and Visa’s SVP and global head of innovation and go-to-market, Shiv Singh, told Karen Webster—back in 2015, it was a mini project, a toe in the water to engage an entirely new audience for Visa: the developer. An Ends-Oriented Approach. In 2018, participating U.S. The easy stuff.

Regional 101

Regional United States Fintech Innovation 101

PYMNTS

OCTOBER 8, 2019

CUs are no longer confined to operating primarily as regional players, moving beyond the confines of original charters that had limited them to, say, specific communities or employers. To get there, to increase awareness and interest on the part of younger consumers, CUs, of course, must look to digitize their products and services.

United States 102

United States Millennials Course Lending 102

Banking 2020

OCTOBER 30, 2014

For our most recent FI Highlight, we spoke with Dianne Larsen, senior vice president, director of marketing, Banner Bank. Dianne shared insight on Banner Bank’s recently redesigned website and new marketing initiatives to further their approach as a “ super community bank.”. Dianne Larsen, Banner Bank.

Community Bank 95

Community Bank Branding Marketing Mobile 95

PYMNTS

JULY 22, 2016

In recent years, the city has seen an exponential growth of its startup community and may be on its way to taking the country’s startup capital top spot. Just last month, the state government expressed interest in building up Pune as a go-to startup hub for the Maharashtra region and even the entire country itself.

Capital 100

Capital Software Community Regional 100

PYMNTS

JULY 24, 2018

A recent report that bowed via Citi underscores that thesis, as Global Market Manager of the bank’s Channel Services division, Rene Schuurman, wrote that 87 percent of banks have a clear API strategy in place. The firms will simplify accounting, tax and other services for the smallest of firms in the region.

Fintech 105

Fintech Strategy blockchain Taxes 105

Independent Banker

NOVEMBER 24, 2014

Central Region Award Recipient. Once he gets his mind set, a plan forms and then becomes a very calculated reality,” offers Tara Salinas, the bank’s marketing and business development officer. If you don’t grow and expand your markets, then you’re going to have a harder time doing the things that community banks need to do.”. “If

St. Louis 105

St. Louis Community Bank Community Leadership 105

PYMNTS

FEBRUARY 12, 2020

At some point, we are likely to see community spread in the U.S. During its earnings call a few weeks ago, Apple CEO Tim Cook noted that COVID-19’s total effect on retail sales in the region remains difficult to quantify as the coronavirus continues to spread. The bigger picture in the surrounding regions is uncertain, he noted.

Apple 142

Apple Regional Conference Report 142

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Several trends have arisen that are likely to continue shaping the commercial lending market. Morton, a senior lender at the $120 million-asset community bank. By Cheryl Winokur Munk.

Trends 79

Trends Community Bank Lending Community 79

Independent Banker

JULY 31, 2022

These community banks share how they have (or haven’t) altered their hiring strategies. According to the BLS, “quit levels and rates” by employees is higher in all employment sectors than it is in “finance and insurance” specifically, which is where community banks would fall (see table below). Photo: Colin Conces. By William Atkinson.

Community Bank 91

Community Bank Community Iowa Louisville 91

Independent Banker

DECEMBER 13, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Share of community banks and credit unions offering the following mobile banking features and functions: 84%.

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

NOVEMBER 24, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Share of community banks and credit unions offering the following mobile banking features and functions: 84%.

Community Bank 70

Community Bank Boston Community Iowa 70

PYMNTS

APRIL 20, 2017

million over the course of the next three years to build up a FinTech hub in Charlotte. Here is an except of the conversation: PYMNTS: Can you describe your personal and/or professional experience with the tech community in Charlotte? As we reported about three weeks ago, Bank of America has announced its plans to invest $1.5

Charlotte 118

Charlotte North Carolina Community United States 118

PYMNTS

SEPTEMBER 7, 2017

One of reasons the rollout was so successful involved education efforts made by NACHA and the Regional Payments Associations which ensured member financial institutions understood what Same Day ACH changes would mean for their organizations, and for all of their customers. And, of course, there’s more to come.

Regional 113

Regional Industry Payments Community 113

PYMNTS

FEBRUARY 15, 2019

Reports indicated that four Amazon executives met in Governor Cuomo’s office with “the presidents of the New York State AFL-CIO, a regional chapter of the Teamsters and his group, as well as some officials from the governor’s office.” Instead of working with the community, Amazon threw away that opportunity.”. As noted by Kathryn S.

New York 115

New York New York City Virginia Nashville 115

PYMNTS

FEBRUARY 1, 2019

The fourth quarter of 2018 was kind to Venmo and Zelle , the two big peer-to-peer (P2P) services that are battling for consumer loyalty and market supremacy — a fight that pits PayPal , the owner of Venmo, against the banks that operate Zelle. The numbers tell a story of ongoing growth and more consumer acceptance.

Cards 179

Cards Payments Mobile Operations 179

PYMNTS

MARCH 5, 2018

The pomp, the pageantry — and, of course, the glamour. So, for this week’s Data Dive , we thought we would hand out some “trophies” of our own — metaphorically speaking, of course. And the winners are…. Best Picture — Payments Innovation. In spring 2018, participating U.S. In spring 2018, participating U.S.

Regulation 108

Regulation Data Regional America 108

Jeff For Banks

MARCH 24, 2011

I had lunch today with a client''s regional manager. Many of my comrades in the community FI blogosphere feed on data, some good, some bad. I teach at the ABA School of Bank Marketing Management. One of my courses is Profitability & Strategic Issues. Are branch deposits growing or declining in the community?

Data 74

Data Community Strategy Marketing 74

PYMNTS

NOVEMBER 11, 2019

The 350,000-square-foot facility is planned for Westborough, Massachusetts, a community roughly 35 miles west of Boston. Westborough Town Manager Kristi Williams said Amazon’s presence points to the potential of attracting tech and innovation to a regional economy. “We Travis Kalanick Rides Again With $400M In Funding .

Apple 101

Apple Massachusetts Data Cards 101

American Banker

JUNE 3, 2016

Speaking about the overheated market for auto lending, Jamie Dimon, CEO of JPMorgan Chase, said "someone is going to get hurt." Not JPMorgan, of course. "It Probably community banks. … It won't be us," Dimon said.

Lending 28

Lending Community Bank Course Community 28

Gonzobanker

SEPTEMBER 10, 2019

The digital banking market continues a long burn—this time like the smoke of a Texas summer barbecue. market expansion. The timing of the announcement and due diligence were reportedly rushed to leverage the energy of the conference and communicate with clients face to face immediately after the announcement.

United States 88

United States Texas Austin Kansas City 88

PYMNTS

MARCH 24, 2016

The world of mobile payments news this week started out in the one region of the world that doesn’t often make much news when it comes to what U.S. 70 Percent | The Market Share UnionPay Has Of The Bank Card Companies In China. companies are doing in mobile commerce: Cuba. And everyone wanted in.

Mobile 100

Mobile US Apple Payments 100

CB Insights

FEBRUARY 13, 2020

Brothers Patrick and John Collison founded Stripe in 2010 in an attempt to gain share in online payments, a then-nascent market with seemingly boundless growth opportunity. Stripe’s early success in acquiring customers was largely due to its mass appeal to the developer community. Market opportunity. TABLE OF CONTENTS.

Online 98

Online Company Retail Payments 98