South State Correspondent

APRIL 23, 2025

Many bankers are struggling to analyze the current business environment and need help predicting the future. Community bankers are especially concerned about economic forecasts such as GDP, interest rates, inflation, consumer and business demand, and default rates. The difference between a good decision and a bad one may not lie in spreadsheets or economic charts it may lie in understanding the psychology of one person.

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Gonzobanker

APRIL 10, 2025

Customer acquisition cost (CAC): The metric that keeps CMOs awake at night, CFOs grumbling about marketing spend, and CEOs demanding more growth, faster! Few metrics in the banking and fintech arena are as hard to reliably quantify as this one. Luckily, a new study from Fintel Connect, 2025 Cost Per Acquisition Benchmarking Guide for Financial Services ,provides some much-needed reality checks.

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TheGuardian

APRIL 28, 2025

UK-based bank warns that trade tensions will lead to lower investment, consumer spending and GDP growth Business live latest updates HSBC has sounded the alarm about the impact of higher trade tariffs on economic growth, unemployment and inflation around the world, as it set aside more money to cover bad debts and reported lower profits. The UK-based bank reported a $200m (149m) rise in expected credit losses to $900m in the first quarter, as it increased allowances to reflect heightened uncert

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Abrigo

APRIL 8, 2025

This article covers these key topics: The difference between 1D and 2D risk rating models How CECL has impacted the necessity of a dual approach Why the LGD variable is so difficult to pinpoint Does your risk rating framework align with your CECL needs? More banks are rethinking the value of two-dimensional (2D) risk rating models as CECL and real-world challenges with LGD raise questions about their practicality.

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William Mills

APRIL 2, 2025

Fintech companies must be prepared to respond effectively when a crisis strikes. Whether its a data breach, regulatory scrutiny, or a service outage, the way a company handles a crisis can have a lasting impact on its reputation, customer trust and bottom line. The financial services industry, by nature, operates on trust, so making a clear, strategic communications plan is critical.

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Jack Henry

APRIL 24, 2025

In today's fast-paced digital world, Generation Z is emerging as a powerful force in the financial landscape. Studies indicate that nearly four million Gen Z consumers will open new bank accounts annually through 2026. As they begin to establish their financial independence, understanding their unique needs and preferences is crucial for financial institutions (FIs) aiming to attract and retain Gen Z accountholders.

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Study Digital Banking Innovation 88

Ublocal

APRIL 14, 2025

Fraud on the Rise in 2025 and How to Prevent It Scams and fraud are becoming rampant and much harder to spot. In the past, phishing emails and text messages often contained misspelled words and grammatical mistakes. These days, scammers are using artificial intelligence to create phishing emails and texts that are much harder to spot. They also use AI to create deep-fake voices and videos to impersonate people and improve their chance of success.

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BankUnderground

APRIL 10, 2025

Lily Smith Like mother, like daughter? Like father, like son? Despite the increasing prevalence of digital payments in todays world, young people continue to use cash. The persistence of cash use, even among youngsters who have grown up with debit cards and smartphones, raises interesting questions about the factors that influence young peoples payment choices.

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Fintech Labs Insights

APRIL 22, 2025

Bank of Montreal went online with the first digital credit application in 1997. That effort, from its mortgage division, was named to our Fintech Hall of Fame. Not only was it the first mortgage app online, it was the first online credit app of any kind.** Naturally, we were excited about it at the time, naming it the biggest innovation of the year.

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Data

South State Correspondent

APRIL 9, 2025

At present, we track 150+ AI agent platforms that households and business can use right now to manage banking products. While the public is currently focused on booking travel, restaurants and events, soon they will be using agents to optimize their banking. These agents can now compare different banking products, to include researching fees, and then open an account in under ten minutes.

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Abrigo

APRIL 30, 2025

6 questions & answers on how generative AI is shifting the landscape Abrigo's Director of Applied AI, Sriram Tirunellayi , shares advice and insight into AI, its role, and how it can power the future of banking. Generative AI for safer, smarter growth As a seasoned leader in data science and AI for financial services, Sriram Tirunellayi brings a practical perspective to the evolving role of artificial intelligence in banking.

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Payments Dive

APRIL 14, 2025

Some House Financial Services Committee members are pressuring the Federal Reserve to reverse a proposal to lower the debit card fees that banks can charge.

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TheGuardian

APRIL 19, 2025

Proxy advisory firms back plans for hikes in maximum payouts 18 months after removal of banker bonus cap UK banks are expected to win approval for massive pay increases in the coming weeks after convincing influential shareholder advisers that hiking maximum payouts for chief executives by more than 40% would give them a competitive edge. ISS and Glass Lewis, two prominent proxy advisory services that suggest how shareholders should vote on company policies at annual meeting, have backed NatWest

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Advertiser: ZoomInfo

AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.

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Perficient

APRIL 18, 2025

Keeping up with today’s fast-paced technological environment, with businesses undergoing a significant transformation in operations, customer interactions, and innovation, can be challenging. Partnering with the right digital transformation service provider is essential for success. A proven track record in guiding businesses through digital complexities is crucial for unlocking their full potential, driving efficiency, and ensuring exceptional customer experiences, leading to long-term su

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ABA Community Banking

APRIL 30, 2025

By Lindsay TorricoEach year, on Teach Children to Save Day, banks across the country participate in creating a lasting, positive impact on young people and their financial futures.This year, more than 11,000 bank volunteers from nearly 500 banks gave their time and talent on April 24 — and we took it to a new level.Thanks […] The post Whats next in the fight for financial literacy appeared first on ABA Banking Journal.

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South State Correspondent

APRIL 2, 2025

“Liberation Day” brought a 10% baseline tax on all imports plus a 15% to 49% tariff rate on a defined set of nations (below). The move shook the markets, threatening to upend much of the architecture of the global economy and fueled broader trade wars. The recent uncertain shifts in trade policies, particularly increased tariffs on imports from China, Canada, and Mexico, have introduced specific uncertainties for community banks.

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Abrigo

APRIL 24, 2025

Finding and managing vulnerabilities in credit portfolios Fresh reminders of why it's important to manage credit concentration risk are everywhere. Effective loan review is a key element of managing concentration risk in loan portfolios. Key topics covered in this post: Recent regulator comments on overseeing concentration risk Concentration risk management framework How credit risk review can help manage concentrations Overcoming barriers to concentration risk insight Credit concentration risk

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Payments Dive

APRIL 24, 2025

Digital wallets are broadly comparable, although they differ on data, fraud monitoring and liability issues, Consumer Reports found in an evaluation.

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TheGuardian

APRIL 20, 2025

The Treasury seems to think relaxing financial rules will boost growth. Theres little evidence for this idea and every reason to believe it could exacerbate risks In its desire to ensure the City of London remains attractive after Brexit, the Treasury seems to have forgotten one of the major lessons of the 2008 financial crisis: when regulation is lax, risks accumulate.

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BankBazaar

APRIL 23, 2025

BankBazaar has partnered with Muth oot FinCor p , one of Indias leading NBFCs, and the flagship Company of 138 – year-old Muthoot Pa ppacha n Group to enter the secured loans market with a Gold Loan product. As part of this innovative NBFC-FinTech collaboration, Muthoot FinCorp has also invested in BankBazaars ongoing Series D2 round as an equity investor to further strengthen the digital platform.

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Jack Henry

APRIL 28, 2025

September 11, 2001, marked a turning point in many aspects of our lives, including the financial industry with the introduction of the Check Clearing for the 21st Century Act, commonly known as Check 21. This legislation revolutionized the checking industry by allowing banks and credit unions to process checks electronically, paving the way for innovations like Apple Pay and digital wallets.

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Technology

South State Correspondent

APRIL 30, 2025

In the quest for deposits, one successful tactic at top-performing banks is to target the right types of customers. While desiring to bank everyone in your community is noble, it can be a poor use of resources. Some customers offer better returns because they use more banking services and have more deposit balances. Not to say you want to ignore parts of your community, but why not focus more of your resources on those industries that help your bank achieve its goals?

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Abrigo

APRIL 2, 2025

Payment fraud: What is it and why the payment system used matters Payments are evolving, and so are fraud tactics. As digital transactions become faster and more convenient, fraudsters are finding new ways to exploit vulnerabilities across payment channels. Financial institutions must stay ahead by implementing proactive fraud detection strategies to protect their customers and mitigate losses.

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Payments Dive

APRIL 9, 2025

The measure revoking the bureau’s oversight of large technology payments players, such as Google and Block, passed on a straight party-line vote.

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TheGuardian

APRIL 9, 2025

Concern grows over programs deployed to act with autonomy that may exploit weaknesses Business live latest updates Increasingly autonomous AI programs could end up manipulating markets and intentionally creating crises in order to boost profits for banks and traders, the Bank of England has warned. Artificial intelligences ability to exploit profit-making opportunities was among a wide range of risks cited in a report by the Bank of Englands financial policy committee (FPC), which has been moni

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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.

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