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Understand This Key Insight Into Bank Efficiency and Profitability

South State Correspondent

In our previous article ( here ) we analyzed the data on community bank M&A and performance, and we concluded that there is no relationship between community bank size and profitability, as measured by return on equity (ROE). While size isn’t correlated to profitability, operating leverage is.

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Why banking technology makes sense – recession or not

Abrigo

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. Takeaway 2 According to Forrester data, firms pursuing technology-driven innovation grow three to four times faster than industry averages.

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Perficient Colleague Transforms No-Kill Animal Shelter with Technology Skills

Perficient

He wanted to use his experience in technology to help the shelter in a unique way. They work with the community to limit pet homelessness and ensure positive interactions between dogs and their adoptive families. “We Transfo rming the Shelter with Technology. We have to convince members of the community to support the shelter.

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These Are Your Most Profitable Cash Management Clients

South State Correspondent

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. As such, operating accounts have low-interest rate sensitivity.

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Community Banks Accelerate FinTech Integrations

PYMNTS

For more community banks, the latter strategy can fast-track digitization initiatives. This week’s look at the latest bank-FinTech tie-ups shows Banking-as-a-Service and other FinTech players embracing smaller regional and community banks to elevate small- to medium-sized business (SMBs) and corporate banking offerings.

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Crafting an effective CECL Q factor framework for stronger risk management

Abrigo

In this blog, we explore how banks and credit unions have adapted their approach to Q factors under CECL and share insights from an Abrigo advisory webinar on managing this critical part of the ACL process. For example, "If you're an institution that operates on the coast, you probably have real seasonal risk from weather.

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Regtech in banking: How emerging technology helps keep banks compliant

Abrigo

Takeaway 1 Regtech uses new technologies such as AI and machine learning to streamline processes that keep organizations compliant. Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance.