April, 2022

The ultimate guide to banking in the metaverse


When Neal Stephenson coined the term “metaverse” in his 1992 science-fiction novel, Snow Crash, he could hardly have foreseen that the phrase would be everywhere by late 2021.

Is commercial lending on the rise?

Independent Banker

Ashley Horner (right), senior vice president and SBA loan administrator, shown with portfolio manager Melanie Elmore, says Summit Bank is on track to make $30 million in SBA loans this year. Photo: Jon Christopher Meyers.


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Capture more of the finance market – 3 approaches


The auto and equipment finance market is growing worldwide. Most current lenders are doubling down on their commitments, while other companies are excited to explore the opportunities.

Sen. Cruz seeks to restrict Fed role for CBDC

Payments Dive

Ted Cruz's legislation, which follows a companion House bill introduced earlier this year, would prevent the Federal Reserve from issuing a central bank digital currency directly to consumers

Powering Personalization Through Customer Data

Finding the right CDP can help unlock the value of your customer data. This eBook offers guidance on choosing, deploying, and utilizing a CDP, along with a case study on how one bank put data into action to forge stronger connections with customers.

How The Babe Can Improve Risk Mitigation At Your Bank

South State Correspondent

It was 102 years ago, almost to the day, that Babe Ruth hit his first home run as a Yankee against his previous team, the Boston Red Sox. That hit launched a juggernaut that not only changed baseball but changed the view of both team building and risk mitigation.

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More Trending

Understanding Your Core Deposit Study: Reading Between the Lines


How Core Deposit Analytics Help Banks and Credit Unions Plan For Rising Rates Core deposit analytics provide a wealth of information for strategic planning, deposit pricing, product development, and more. How to get the most out of a core deposit study.

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Lessons Learned from ICBA’s Karen Thomas

Independent Banker

By Lindsay LaNore, ICBA. Karen Thomas. This year, after almost 30 years at ICBA, Karen Thomas is retiring. As the leader of our government relations and advocacy team, she has built an exceptional legacy and garnered industrywide admiration for the depth of her knowledge and her remarkable humility.

New ESG ratings rules are good news for banks


Environmental, social and governance (ESG) ratings are essential for banks and the companies they fund. But too often these sustainability assessments are opaque and inconsistent. Now, regulations that would improve the transparency of ESG ratings have just moved closer.

2022's restaurant payment tech push includes QR codes, kiosks

Payments Dive

From QR codes to advanced mobile apps and robots, restaurants are planning to adopt more technology within their operations — including payments — in the year ahead

Digitally Transforming the Engagement Experience for Financial Institutions

Customer experience has become a key differentiator. Learn how to launch your digital transformation by incorporating two customer experience trends into your digital transformation strategy: self-service & personalization.

Forecasting Cost of Funds Given Fed Moves

South State Correspondent

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. The Fed will also aggressively shrink its balance sheet to tame unwanted inflation.

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This Week in Fintech ending 8th April 2022

Daily Fintech

This week our experts brought you the following insights based on their experience as investors, entrepreneurs & executives.

Kleptocracy & Foreign Public Corruption: New FinCEN Red Flags


FinCEN's Tips for Detecting Kleptocracy and Associated Money-Laundering FinCEN recently issued an advisory offering red flags for financial institutions to heighten awareness of kleptocracy and corruption, given global events.

The top-performing community banks of 2021

Independent Banker

Illustration by Eight Hour Day. Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success.

The New 7 Facts on Housing Interest Rates and What Banks Can Do About It

The CRE multifamily sector has created tremendous momentum that won’t be slowed by interest rate hikes. Check out the facts right here!

One powerful team solving cloud payments for banks


In payments, so much is changing so fast that sometimes it’s hard for banks to know where to start. Moving payments functions to the cloud is one area that a lot of our banking clients are trying to figure out right now as part of their strategy for growth in payments. At the Money 20/20….

Bolt buys Wyre to get crypto in its wallet

Payments Dive

With the $1.5 billion acquisition of cryptocurrency payments firm Wyre, Bolt aims to bring crypto front and center within its online checkout capabilities and digital wallet. Crypto "will be a major part of Bolt’s strategy going forward," said CEO Maju Kuruvilla

Increasing Wage Gains Will Keep the 50bps Rate Hikes Coming

South State Correspondent

Increasing Wage Gains Will Keep the 50bps Rate Hikes Coming. Treasuries are trading heavy this morning as the Employment Cost Index (ECI) came in above expectations and that is sparking concerns of the dreaded wage-price spiral.

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XBRL News from around the globe

Daily Fintech

Here are the three most relevant developments in the world of structured reporting we became aware of in the course of last week. 1 Turkey provides XBRL-driven data analytics In 2020, the highly innovative Central Securities Depository of Turkey (Merkezi Kay?t t Kurulu?u,

The Threat That Could End Community Banking & What To Do About It

A critical risk now facing community banks from the technology world and how to solve it.

Global cash flow analysis – common mistakes & helpful hints


Avoid common mistakes in your global cash flow analysis Get proficient in your global cash flow analysis efforts. You might also like this webinar on assessing global cash flow. WATCH. Takeaway 1 Consolidate business and personal accounts.

Brad M. Bolton: Educating future leaders

Independent Banker

Photo by Chris Williams. Focusing on the ‘whys’ helps employees see how decisions fit together in a perfect puzzle for high-performing success, and it motivates them to be contributors to that success. In community banking, we’re not ones to rest on our laurels.

Can banks grab the buy now, pay later opportunity?


Buy now, pay later (BNPL). It’s a message that appeals to customers, and it’s a growing trend that’s shaking up the credit industry. Fintechs have been moving aggressively to offer BNPL point-of-sale (POS) options for e-commerce purchases, and increasingly for purchases at brick-and-mortar shops.

Fidelity debuts 401(k) bitcoin option

Payments Dive

Fidelity Investments said it is seeing growing interest in digital assets from plan sponsors. The offering will be widely available to employers mid-year

How to Choose the Best Automated Documentation System for Commercial Loans

Not all automated loan doc prep solutions are created equal. That is why we have put together a checklist to help you evaluate potential partners and find the best-automated documentation system for your requirements and needs.

A Masterclass in Bank Total Experience In One Graphic

South State Correspondent

Banks that focus on the customer experience have come to learn that it is not the forward-facing customer experience that matters, but the “total experience” that now counts. Total experience is the business strategy for creating superior customer AND employee experience.

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XBRL News about sustainability disclosures

Daily Fintech

Here are the three most relevant developments in the world of structured reporting we became aware of in the course of last week. 1 ISSB delivers proposals that create comprehensive global baseline of sustainability disclosures The proposals?exposure

5 Common Lending Challenges and How Lending Software Can Help


Credit and Lending Software Overcome Common Lending Problems Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Would you like other articles like this in your inbox?

Fighting fire with funding

Independent Banker

Plumas Bank CEO and delegate for ICBA’s Federal Delegate Board Andrew Ryback (right) assesses the Dixie Fire’s damage to downtown Greenville, Calif., with Donavon Beatty from Beatty Construction. Photos courtesy Plumas Bank.

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The 5 Stages of Account-Based Marketing — and How to Win Them All

Successfully complete the five stages of ABM: define, identify, engage, convert, and connect. We’ll show you how to create a unified system with your sales team to help them land more qualified opportunities and connect with prospects like never before.