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Wake up: Your bank is not efficient

Gonzobanker

Progress made in the efficiency ratio has primarily been achieved by: greater interest income through lending activity; a near-zero cost of funds environment; and. While efficiency targets and productivity initiatives have been common in banks, the fragmented and expensive commercial lending and credit function has gotten a pass.

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Banking on a Winner: Fostering innovation to compete in today’s financial environment

ZootBlog

Not only are these banks expanding their base services but they are pulling in an innovative trainer versed in the latest technology advancements. Alternative lending platforms are providing capital to consumers more efficiently than traditional banks. Alternative Lenders.