Sat.Jan 25, 2025 - Fri.Jan 31, 2025

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Community Banks Often Take Risk Without Reward

South State Correspondent

Most bankers would refuse to accept risk without reward (or revenue). It would make no sense to risk the banks capital without adequate compensation. However, some banks are inadvertently taking risk without any additional revenue. The yield curve is currently flat, and the average community banks cost of funding is highly correlated to Fed Funds and SOFR (the industrys average is over 90% with a about a 6-month lag).

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Cyber Top Trends for 2025: Insights from Datos | FinTalk

Jack Henry

Datos Insights recently shared their latest research on Cyber Top Trends for 2025. Unsurprisingly, artificial intelligence (AI) is a big deal and staying vigilant and informed is more important than ever.

Trends 97
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What the critics of a strategic bitcoin reserve don't understand

American Banker

There are reasons to be cautious about how a strategic reserve of the cryptocurrency is established, but the economic arguments for including it in the federal government's portfolio are strong.

Bitcoin 94
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X teams with Visa on new digital payments tool

Payments Dive

Billionaire Elon Musk’s social media site has forged an alliance with the card network giant to launch a new digital payments tool later this year.

Tools 459
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Fall In Love With the Month-End Close

It's the time of year to give our close process some TLC. Join us in this one hour webinar where we discuss how to adopt leading practices and infuse technology into the month-end close process to improve our experience and increase our productivity during month-end and quarter-end close. Learning Objectives: This course's objective is to understand how the month-end close can be improved with automation and adoption of leading practices.

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Crypto scams & crypto fraud detection for financial institutions

Abrigo

Protect banking clients by knowing crypto trends and red flags The turbulent cryptocurrency scene should put bankers on high alert. The FTC's top ten scams to watch for can help. You might also like this whitepaper, "Understanding cryptocurrency." DOWNLOAD WHITEPAPER Growing popularity What is driving the rise in crypto fraud? Takeaway 1 Crypto fraud is the newest and most favored field in potential financial gains for bad actors.

Fraud 195

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Wells Fargo's co-CEO of corporate and investment banking steps down

American Banker

Jon Weiss, Wells Fargo's co-CEO of corporate and investment banking resigned from his position with plans to retire; A new CFPB report says military service members paid more for auto loans and add-on products; City National Bank's Kelly Coffee is leaving the bank after her 2023 demotion; and more in this week's banking news roundup.

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PayPal, Amex and Wells Fargo shake up leadership

Payments Dive

PayPal and American Express both said executives are leaving the company and Wells Fargo said a long-time payments executive is being replaced.

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Transaction monitoring: Data quality in banking makes the difference

Abrigo

Transaction monitoring ensures more than just compliance Without reliable client and transactional data coming into your monitoring system, either manually or automatically, you could miss crucial suspicious activity. This could put your institution at regulatory and reputational risk. Transaction monitoring in financial institutions Financial institutions operate in an environment where even the slightest data discrepancies can create outsized risks.

Data 195
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Branch transformation: 4 strategies to follow

ATM Marketplace

Here are four strategies to follow for a successful branch transformation.

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5 Ways You Can Win Faster with Gen AI in Sales

Incorporating generative AI (gen AI) into your sales process can speed up your wins through improved efficiency, personalized customer interactions, and better informed decision- making. Gen AI is a game changer for busy salespeople and can reduce time-consuming tasks, such as customer research, note-taking, and writing emails, and provide insightful data analysis and recommendations.

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U.S. Bancorp CEO Andy Cecere to retire, Gunjan Kedia named successor

American Banker

Kedia will be the first woman to run U.S. Bancorp and one of just two women CEOs at one of the nation's 50 largest banks.

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Apple, Google coalition seeks to skirt payments rule

Payments Dive

Tech advocacy groups argue the tech giants should not be subject to a Consumer Financial Protection Bureau rule because they aren’t payment companies, according to a lawsuit filed this month.

Google 243
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Ondo Finance provides tokenized US Treasuries to the XRP Ledger

The Paypers

Ondo Finance , a player in onchain finance, has announced that it now offers tokenized US Treasuries to the XRP Ledger (XRPL), in turn expanding the range of institutional-grade products onchain.

US 83
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Lightweight Middleware for ATM Application Development - Brochure

ATM Marketplace

Dwide is a middleware that simplifies the development of multivendor ATM applications by abstracting the complexity of the CEN/XFS standard.

ATM 91
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The Role of Automation in Commercial Lending

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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FDIC's Synapse rule, a Treasury breach: Top tech news January 2025

American Banker

Pressing tech items across banking include the Federal Deposit Insurance Corp.'s impending Synapse rule and Regions Bank's play for an open banking future.

FDIC 78
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Visa’s ex-CFO joins crypto company advisory board

Payments Dive

The appointment adds a former top executive of a major credit card network to Fireblocks’ board at a time when cryptocurrency firms are seeking more credibility.

Company 221
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Sber and NSPK partner to launch facial payment system in Russia

The Paypers

Russia has announced it will adopt a unified facial payment system by the second half of 2025 aiming to onboard millions as non-card payment systems gain preference.

System 79
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Combating 3 ATM security threats in 2025

ATM Marketplace

Here are three ATM security challenges on the horizon in 2025 and how to prepare for them.

ATM 80
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Outsource With Confidence for RDC Program Success

Remote Deposit Capture (RDC) clients are more likely to use additional treasury services and maintain larger deposits. However, poor customer experiences—particularly if they delay deposits—can compel RDC clients to take their business elsewhere. This eBook makes the case for outsourcing RDC operations to a proven managed services partner. This approach helps Treasury Departments with limited resources provide excellent client experiences that result in higher retention and productivity rates.

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USAA sues Regions Bank in latest mobile deposit lawsuit

American Banker

USAA claims to have developed the mobile capture deposit technology and has already successfully sued Discover and Truist, among others.

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Gen Z still prefers in-person shopping

Payments Dive

The generation prioritizes buying beauty and luxury goods in person, placing a premium on the physical shopping experience, research from Adyen shows.

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CFPB files lawsuit against Zelle operator over fraud concerns

The Paypers

The Consumer Financial Protection Bureau has filed a lawsuit against Early Warning Services, the operator of Zelle, along with three of its owner banks.

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The Power of Presence: Why Financial Conferences Are Key to Your Brand’s Success in 2025

William Mills

Exiting the holidays and entering a new year can only mean one thing: trade show season. Its time to trade in your stocking stuffers for booth swag, dust off the business cards, and prepare for meeting with your peers. Attending industry events is an invaluable way to expand your relationships and generate new business opportunities, as well as gain knowledge on the emerging trends and technologies shaping financial technology. 2024 was packed with industry events, networking opportunities and t

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It Takes Two to Tango

With automation, you’ll reduce errors and save valuable time, allowing you to focus on what really matters: strategic analysis and insightful decision-making. Picture accurate financial reports ready at your fingertips, giving you the confidence to tackle business challenges head-on. Embracing automation not only boosts productivity but also elevates your role from number cruncher to closing rockstar.

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Bankers, when it comes to AI, don't buy into the productivity illusion

American Banker

AI isn't inherently good or bad; its value depends entirely on how it's used. For financial institutions, this means shifting the focus from internal productivity gains to customer outcomes.

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What’s coming for the payments industry in 2025

Payments Dive

Regulatory change and artificial intelligence are widely expected to drive challenges and opportunities across the landscape this year.

Industry 195
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JetBlue implements Venmo at checkout

The Paypers

JetBlue has announced the integration of Venmo at checkout, offering customers an easy and secure payment option when booking flights directly with JetBlue online.

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ATM simulation - Brochure

ATM Marketplace

Atmirage is an ATM simulation tool designed to optimize and automate testing for self-service applications without the need for a physical ATM

ATM 62
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10 Ways to Leverage Buyer Signals and Drive Revenue

In today’s ultra-competitive markets, it’s no longer enough to wait for buyers to show obvious signs of interest. Instead, sales teams must be proactive, identifying and acting on nuanced buyer behaviors — often before prospects are fully ready to make a purchase. In this eBook from ZoomInfo & Sell Better, learn 10 actionable ways to use these buyer signals to transform your sales strategy and close deals faster.