January, 2022

Community banks are thriving in Texas

Independent Banker

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Photo by Dennis Burnett.

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The next big payments disruptors may surprise you

Accenture

At the recent Money 2020 conference, I spoke with The Fintech Times about which potential disruptors banks and payments players are most concerned about.

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The Top 5 Trends in Fintech and Banking for 2022

Gonzobanker

These fintech and banking trends should be on financial institutions’ radar in the year ahead. This list of top banking and fintech trends for 2022 won’t tell anyone anything they haven’t already heard about. It’s meant to help financial institutions plan for 2022—i.e.,

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There is No Secret Sauce: Put Financial Services Customers First and You Will Grow

Perficient

TD Bank Group recently announced its Q4 2021 earnings were up 31% from Q4 2020, despite the challenges brought on by the COVID-19 pandemic. On its earnings call, the company elaborated that this in part was due to its dedicated, people-oriented approach to business.

The Non-QM Market Experiences a Remarkable Comeback: Check Out the Industry Guide

As the commercial lending market evolves, non-QM loans are becoming increasingly popular. Check out this eBook for a detailed look at the benefits of non-QM loans, how to maneuver your way through, and what the future may bring.

Insurtechs Need to Ace Customer Acquisition Cost (CAC) Optimization

Daily Fintech

Across industries, it’s generally accepted that it costs about five times as much to attract a new customer as it does to sell to an existing one. In insurance, the cost of acquiring customers (CAC) is higher, at seven to nine times that of selling to an existing customer.

More Trending

Southern Bancorp is building wealth for everyone

Independent Banker

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. Photo by Dero Sanford.

10 trends shaping post-digital banking innovation

Accenture

Most of the time, major moments of change only become obvious in retrospect. But the COVID-19 pandemic has been a watershed moment for banking visible in real-time. Each new day in 2022 takes us further into this new era of banking.

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Coming Rate Hike Should Nudge Bankers to Focus on Deposit Management Strategy

Abrigo

Higher Fed Rates Ahead: Plan Now to Manage Impact on Deposits The Fed's signal of higher interest rates reiterates the importance of financial institution ALM and deposit management strategies, policies, and programs. .

What Does “Community” Mean for Modern Financial Institutions?

Strategically Speaking

For decades – maybe even centuries – an individual’s sense of community was most often based on their interactions in a particular physical location. Neighbors, schoolmates, coworkers, and even those with whom they shared a place or method of worship formed a person’s community.

How Preparation and Strategy Can Be Used to Fight and Defeat Any Ransomware Attack

Speaker: Karl Camilleri, Cloud Services Product Manager at phoenixNAP

Through a detailed analysis of major attacks and their consequences, Karl Camilleri, Cloud Services Product Manager at phoenixNAP, will discuss the state of ransomware and future predictions, as well as provide best practices for attack prevention and recovery.

Jack Dorsey wants to keep the force in bitcoin decentralized

Daily Fintech

Jack Dorsey, CEO of Block (formerly Square), has been a consistent advocate of bitcoin. Dorsey both personally and professionally has supported bitcoin for years. In 2018, he said that bitcoin will eventually become the world’s single currency.

Onbe: 2021 Was the Year of Adaptability

PYMNTS

Last year saw workers around the world move out of survival mode and dedicate themselves to finding solutions to meet the needs of our new reality. Onbe CEO Bala Janakiraman expects that innovation to continue as more organizations embrace the digital transformation that working remotely requires.

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40 Under 40: Emerging Community Bank Leaders awards

Independent Banker

Nominations for 40 Under 40: Emerging Community Bank Leaders 2022 are now open! Click here to nominate. 40 Under 40 seeks to recognize community banking’s brightest, most promising young professionals. Winners are featured in Independent Banker’s June issue.

How banks can win the next generation of retail investors

Accenture

The market turmoil of 2020-2021, along with an unprecedented surge that has renewed a focus on retail investors, has pushed direct investing platforms into the spotlight. With this rise of the retail investor comes significant opportunity, as recently highlighted by our colleague Scott Reddel.

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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.

Jump-Start Digital Transformation with Change Management

Abrigo

Change Management Helps Financial Institutions with Digitalization Bank and credit union executives who manage the people side of digital transformation have more success. . You might also like this whitepaper, "Leading a Successful Software Implementation." DOWNLOAD.

New Launch: TurboLoan powered by Chola

BankBazaar

Unveiling BankBazaar’s first co-branded Personal Loan – TurboLoan, powered by Cholamandalam Finance. With a completely digital, paperless process, superfast money is now super easy. Here’s everything you need to know and more! .

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The digital euro is on the way

Daily Fintech

Digitalization is affecting everything and is accelerated by the pandemic. One area unable to escape this accelerated trend is money. Money inventions have challenged and transformed the structure of the financial system throughout history.

U.K. Treasury Increasing Cryptocurrency Ad Regulations

PYMNTS

The U.K. Treasury said Tuesday (Jan. 18) that it plans to regulate cryptocurrency advertising like other financial products and ensure that promotions are “fair, clear and not misleading,” according to a Bloomberg report.

A Comprehensive Guide to Construction Loan Issues for the Commercial Loan Market

Understand how to mitigate risk & protect the interest of all parties with this exclusive, must-have guide outlining important issues for commercial construction lending & best practices.

Why community banks should partner with fintechs

Independent Banker

Photo by Pogonici/iStock. With consumer expectations seeming to evolve faster every year, community banks could consider partnering with a fintech to keep up with technological innovation. By Elizabeth Judd. Quick Stat.

Are hidden workers a hidden source of talent for banks?

Accenture

I’m sure you’ve read the headlines about people who retired early, went back to school, made career shifts, or decided to pursue their passion projects full-time over the last year or so. And like me, you probably know people personally whose pandemic experiences pushed them to make such changes.

Effective Loan Pricing in Today’s Rate Environment

Abrigo

How to Price Loans Effectively Effective loan pricing is more imperative than ever for financial institutions, given the outlook on interest rates and other factors. . You might also like this webinar, "Is Inflation the Big Gift to Your Future Earnings?" WATCH .

Banking Trade Group Urges CFPB to Further Study Overdraft Use

Banking Exchange

Follows December’s overdraft report from bureau which considered additional policy guidance Compliance Feature Duties Feature3 Consumer Credit Customers People Compliance Management Credit Risk Compliance/Regulatory. 1Compliance

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CMBS Lending on the Rise: Uncover 10 Common Myths of Securitized Lending

CMBS Lending is an established and growing industry that is, once again, rising to the top as a significant source of permanent loan financing. Learn the truth about CMBS lending and why it might be the best financing solution.

As Insurtech valuations tumble, Hippo Insurance gears for growth

Daily Fintech

In the past year, technology stocks trailed on Wall Street, but insurtech stocks saw major declines. Lemonade fell to a market cap of $2.3B, more than 50% compared to its trading day price. Since its SPAC merger, Hippo’s market cap dropped to $1.5B from $5B.

BankBazaar Moneymood® Report 2022 | An In-depth Look Into Everything Finance

BankBazaar

Looking for the emerging trends in India’s personal finance market? Here are some key insights from the Moneymood 202 2 report presented by BankBazaar. .

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Rebeca Romero Rainey: Stronger together

Independent Banker

Photo by Robert Severi. It’s hard to put my finger on exactly what makes ICBA LIVE so special, but I believe it is in a shared sense of purpose that arises whenever community bankers convene.

What are equipment financiers missing by not embracing green loans?

Accenture

In the last 12 months or so, I’ve noticed an increasing focus on ESG (environmental, social and governance) initiatives in the finance industry. Banks in Europe are leading the way, driven by regulatory standards and consumer expectations, as well as their own desire to build a sustainable future.

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.