Abrigo
JANUARY 22, 2015
'According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. Over the first half of 2014, these banks, with an approval rate of just under 60 percent, beat out large national banks (31 percent), large regional banks (45 percent) and online lenders (38 percent).
South State Correspondent
JANUARY 21, 2015
'As our community banking delegation finishes off our second week in India, and before we head to the Middle East, we wanted to recap what we learned from meeting with some of the top bankers and government officials in order to give a taste to our readership of what banking is like in this most amazing country. American bankers would feel right at home as banking isn’t all that different save for the fact that the Indian culture and economy throws in a few obstacles.
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Celent Banking
JANUARY 22, 2015
'Apple Pay continues to provide excitement to many in the industry who are looking for signals indicating that Apple Pay is either doomed or is becoming a mass-scale success. In reality, it’s neither at the moment – it’s still early days. A few recent stories also caught my eye. At first glance, they seemed a little surprising, although I don’t think they should be.
Jack Henry
JANUARY 23, 2015
'Author: Derik Sutton, DSutton@ProfitStars.com. Part 1: What is UI/UX and why is it important? By now you’ve heard of UI/UX. You may have even referenced it in a conversation about a particular website, app, or other technology interface. For most people it’s the most technical way they know how to say “I like this” or “I don’t like this.”. UI/UX belongs to the larger descriptor, design, which further complicates this post because that term is often broadly used and hard to define.
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Now is the time for lenders to prioritize their digital transformation initiatives in preparation for the lending rebound. Rising competition and ever-increasing customer demands for speed and efficiency are forcing financial institutions to embrace digital transformation. This shift can feel overwhelming—where do you begin? This infographic illustrates automation demands and shows you how loan document automation serves as an essential step to increase profits and provide the best lending exper
Abrigo
JANUARY 21, 2015
'The world is increasingly digital. Favorite songs, memorable moments and solitaire are all housed on a small, thin rectangle likely tucked away in a pocket. The techies and bankers alike knew that a mobile wallet was next. And why shouldn’t it be? Peek inside nearly any brick-and-mortar retailer and you’ll see a wave of smartphones in-hand, people waiting for their turn to step to the register and make their purchase.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Celent Banking
JANUARY 22, 2015
'Can old dogs learn new tricks? What about banks? Banks are trying; not only by making interesting bets around digital but also social. On the social aspect of banking, Banco Colpatria in Colombia offers credit cards to individuals using Lenddo’s social scoring. Lenddo has created and extensively tested an algorithm that analyzes the connections of people in their social networks to determine their character and willingness to pay.
Gonzobanker
JANUARY 19, 2015
'Cable and telecommunications companies are masters of marketing when it comes to selling their services to customers. The seemingly ubiquitous “triple play” is a clever and often convincing tactic to get us to bundle a bunch of services from a bunch of companies under one umbrella. The pitch, so to speak, is that if we pay for all these different services through one provider, the total cost is less than if we were to buy separate services from separate providers.
Abrigo
JANUARY 19, 2015
'The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. Often, they either failed to include forward-looking analyses, or the forward-looking analysis outlined in capital policy may not have gone to far enough extremes.
CFPB Monitor
JANUARY 22, 2015
'John L. Culhane, Jr. A follow-up report on credit report accuracy issued this week by the Federal Trade Commission is likely to be cited by the CFPB as additional support for the CFPB’s concerns about inaccurate credit reporting. In December 2014, that concern resulted in the CFPB’s imposition of a new requirement on major consumer reporting agencies to provide regular “ accuracy reports ” that identify furnishers with the largest number of consumer disputes.
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In this report, you’ll find a comprehensive analysis of survey responses from executives at banks, credit unions, and insurance companies concerning their organization’s current and future use of automation. The report’s key insights include: Which types of automation are saving organizations the most time and money How to overcome the biggest barriers to automation implementation and adoption Why automation investments will continue to grow over the next few years How much you could save in 202
Celent Banking
JANUARY 23, 2015
'Earlier this month, Celent published a report providing an analysis of an October 2014 survey among North American banks and credit unions. The effort sought to understand the state of retail banking channel systems. It should be no surprise to find that revenue growth broadly remains bank’s #1 strategic priority. Or, that digital banking channel development and omnichannel delivery are statistically tied with customer analytics in being considered the most important technologies in delivering
Banking 2020
JANUARY 22, 2015
'As an ongoing initiative, Digital Insight , an NCR company, has been conducting a comprehensive study of financial institution customers. From these studies, the company has been able to provide a deeper view of banking customer behavior across several categories, such as mobile and online banking. These insights arm financial institutions with practical and actionable steps to help increase profitability and better meet the needs of their end users.
Abrigo
JANUARY 20, 2015
'By Natasha L. Closs, Director of ProfitCents Consulting & Advisory Services. To increase revenue, your accounting firm either needs to add clients or boost prices, right? Those are certainly two options for accountants looking to have a better busy season than last year. Taking either of these approaches, however, could mean you are overlooking a valuable source of new revenue under your nose: Cross-selling services to existing clients.
CFPB Monitor
JANUARY 19, 2015
'Brian D. Pedrow* The Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”), signed by President Obama in 2010 in response to the financial crisis, includes a provision intended to remedy racial and gender discrepancies at federal financial regulatory agencies and private financial institutions. Section 342 of Dodd-Frank directs each of the federal financial regulatory agencies to create an Office of Minority and Women Inclusion (OMWI) to oversee diversity efforts
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Celent Banking
JANUARY 23, 2015
'As we highlighted in our recent report The Update on EMV Migration in the US: Leaving the Station and Building up Steam , the US market is finally making a strong progress towards EMV. While many of the barriers we discussed in the past have been dismantled, there are still challenges that remain. One such challenge is the upgrade to m-POS platforms.
SWBC's LenderHub
JANUARY 23, 2015
'Are you offering a value-added product to support your equity lending process? If the answer is no, you should know that right now, more than ever, is the ideal time to be doing so. With current renewed interest in equity lending programs and the refinance market on the decline, this is the perfect time to reconsider what value-added support products you offer.
Gonzobanker
JANUARY 19, 2015
'Holiday shoppers came out to swap spend i l november. New you are able to(Ap)Vital discounts drew american to store y simply and online for holiday gifts component to november, providing cheer and delivering the best gains for retailers in four years! ? ! Th after raises there’s a, already buoy ic by re shipping of crowded malls and ear however numbers also for a strong holiday s browsing season which you is an encouraging sign always be the economic relaxation.
CFPB Monitor
JANUARY 21, 2015
'Barbara S. Mishkin The American Bankers Association has sent a letter to the Department of Defense “to alert the Department to shortcomings” in the CFPB’s study entitled “The extension of high-cost credit to servicemembers and their families” and the CFPB’s comment letter endorsing the DoD’s proposed revisions to its Military Loan Act regulations (which included the study as an appendix).
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As we step into 2024, the lending landscape evolves rapidly with technology, regulations, and market dynamics driving change. For banks and financial institutions to stay competitive and meet the evolving needs of their customers, these drivers must be understood and engaged with. Lenders can anticipate significant transformation fueled by technological advancements, regulatory shifts, and changing consumer behaviors.
ABA Community Banking
JANUARY 21, 2015
'Details why the bureau blames North Korea for Sony hack Technology Risk Management Online Cyberfraud/ID Theft.
Javelin Strategy & Research
JANUARY 20, 2015
'Can I use Apple Pay? What’s applespay? No, Apple Pay. I mean, can I use my phone to pay for this? Um, like Google or whatever? I wouldn’t, it’s super unsafe, like, people can steal your stuff. Since I didn’t have time to explain to the Sephora cashier that not only is Apple Pay more secure than “Google or whatever”, but it’s particularly more secure than my alternative, which would be my U.S.
Gonzobanker
JANUARY 19, 2015
'Holly ralph lauren italia madison celebrates her 32n longer birthday a n chateau. “Peepshow”That by end hollywood and this is because holly’s days”Platinum blonde bombs terrible holly madison wowed the crowd on the re closed carpet a to she celebrated her 32n ve had birthday a longer chateau nightclub showrooms at the the capital on in the future night:Las vegas’ dear relative dazzled in relation to a gol r sparkle dress in the vicinity versace for s and red sparkl
CFPB Monitor
JANUARY 19, 2015
'Barbara S. Mishkin The CFPB has published a notice in the Federal Register announcing that it is seeking applications from persons interested in becoming members of its Consumer Advisory Board, Community Bank Advisory Council, or Credit Union Advisory Council. Appointments to the Board are typically for three years and appointments to the Councils are typically for two years.
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Commercial lending is on the verge of a resurgence, but traditional processes are an obstacle. Explore the top 3 reasons for resistance to digital transformation and how overcoming them can pave the way for growth and efficiency. Discover why embracing automation and digital solutions is crucial for success in today's competitive landscape. Discover how GoDocs helps commercial lenders in the digital era with seamless integration and a borrower-focused approach.
Long Lasting Ideas
JANUARY 19, 2015
'Do you have testimonials on your web site and reviews on directories and social media sites for your customers and prospective customers to see? Easy access to information online has allowed consumers to search for their products and services using the web before actually visiting a “brick and mortar” location or even speaking to someone at the business.
Banking 2020
JANUARY 20, 2015
'From social media to the use of all caps, every individual action can affect credit worthiness. It’s easy to get bogged down in the endless debate over the mingling of banking technology. We all acknowledge that as new tools emerge for both institutions and their customers, the fundamental dynamic between the two sides will continue to evolve. Resisting the tide is to live in denial—things will change, and the better our industry can handle it, the better things will be for everyone.
Gonzobanker
JANUARY 19, 2015
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CFPB Monitor
JANUARY 20, 2015
'Barbara S. Mishkin The U.S. Supreme Court is scheduled to hear oral argument tomorrow, January 21st, in Texas Department of Housing and Community Affairs v. The Inclusive Communities Project, Inc. , the case presenting the issue whether disparate-impact claims are cognizable under the Fair Housing Act. Ballard Spahr attorneys have written an amicus brief submitted by the Houston Housing Authority (HHA).
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