PYMNTS

SEPTEMBER 8, 2020

The rise of the coronavirus has spotlighted the need for corporate treasurers to make real-time decisions about cash management. Not so long ago, linking cash account statements across far-flung systems or operations would have taken days or weeks and extensive testing to synthesize all that data into one centralized presentation.

Management 268

Management Lending System Operations 268

CFPB Monitor

APRIL 7, 2022

Examiners found the following instances of consumers being targeted for fraud: Customers of a bank that used a third party service provider (TPSP) to manage its deposit accounts were contacted by someone posing as a representative of the bank’s fraud department who sought the consumers’ account verification codes. Fair lending.

FDIC 78

FDIC Compliance Lending Regulation 78

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Real Estate Market Outlook. MBA Vice President for CRE Research Jamie Woodwell said in a news release that low interest rates gave CRE markets a boost last year. “In Assess and act on creditworthy CRE borrowers quickly.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

DECEMBER 14, 2023

Learn how to tap your data to generate management insights. The following steps can help narrow it down and focus your goals: Send out a simple, future-oriented survey to the board and executive management (read on for sample questions) to determine strengths, weaknesses, opportunities, and threats to your financial institution.

Lending 221

Lending Risk Management Meeting Survey 221

South State Correspondent

JULY 17, 2022

The swap rate is determined by the markets’ expectation of where short-term rates will be over the swap’s life. A similar concept applies in the Treasury market – the yield on the 10-year Treasury is the markets’ average expectation of the yield on the next 40 consecutive three-month Treasury Bill yields.

Lending 195

Lending Marketing Examples Policies 195

PYMNTS

FEBRUARY 16, 2018

Amid the talk of filling in the small business (SMB) financing gap banks have left since the financial crisis, the rush of FinTechs, alternative and marketplace lenders coming to market may have left another business segment behind: the middle market, particularly the lower middle market.

Lending 101

Lending Marketing Analytics Capital 101

Abrigo

FEBRUARY 24, 2022

Takeaway 1 Interest rate risk for financial institutions is the risk that earnings and market value may decline as market interest rates change. . As described in the first post of this series , a key component of effective asset/liability management (ALM) is managing risks. Earnings at Risk.

Management 195

Management Analysis Strategy Policies 195

Abrigo

AUGUST 2, 2023

Takeaway 3 Financial institution management can focus on mitigating risk and understanding portfolio dynamics when the analysis is streamlined. This article outlines a structured approach to ensuring management can confidently answer inquiries about the health of their CRE segments and related credit performance. estimates $1.45

Report 195

Report Risk Management Lending Analysis 195

South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. You can’t develop lending expertise overnight. A three-year time horizon isn’t long enough if say you want to take your lending platform nationally such as specializing in lending on robotics. Why is that?

How To 195

How To Strategy Capital Lending 195

Abrigo

AUGUST 28, 2019

Slow lending decisions and frustrating loan application processes are among borrowers’ biggest gripes with traditional financial institutions vs competitors such as online or alternative lenders. Contacting a branch manager might yield insight on depositors for potential upsells for loans. Drive faster lending decisions.

Lending 150

Lending Analysis Taxes Data 150

PYMNTS

JANUARY 15, 2021

But presentation materials that accompanied the results showed that of the reserve released in the quarter, $900 million came from the consumer side of the book, so to speak, and were released from home lending. That activity ties in with the near-term uncertainty of the economic landscape, said management on the call.

Management 151

Management Mobile Conference Lending 151

South State Correspondent

JANUARY 2, 2024

How should lenders discuss interest rates in 2024, and what advice should relationship managers provide their clients about banking products? First, we believe the market to be a poor predictor of future economic states. Bankers must be able to present the current (spot) and forward interest rate lending curve to clients.

How To 195

How To St. Louis Lending Marketing 195

South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In future articles, we will discuss how some top-performing banks are deploying strategies for deposits, loans, and risk management in the current interest rate environment.

Community Bank 195

Community Bank Community Risk Management Strategy 195

PYMNTS

MAY 25, 2016

As the dust continues to settle from the great Lending Club explosion, the big banks of Wall Street are reportedly inking up their Plan Bs when it comes to exposure to those loans should the market deteriorate more. The list, according to Bloomberg , includes Credit Suisse Group AG and Deutsche Bank AG.

Lending 100

Lending Online Capital New York 100

PYMNTS

OCTOBER 11, 2017

Small business (SMB) lending is big business for community banks , which are a popular destination for small business borrowers, thanks to strong approval rates on loan applications. But new analysis from the Federal Reserve has identified a reversal in community banks’ position in the small business lending market.

Community Bank 108

Community Bank Community Lending Survey 108

PYMNTS

DECEMBER 30, 2019

In an interview with Karen Webster, Farhan Ahmad, founder and CEO at B2B payments solution provider Bento for Business , took note of the fact that half of all small to medium-sized businesses (SMBs) cite cash flow management as their biggest challenge. The firm has launched a lending product, too. This is no isolated case.

Management 132

Management Cards Examples ATM 132

Abrigo

JULY 27, 2023

Regtech is simply the use of technology such as AI, machine learning, natural language processing, and blockchain to improve the way businesses manage regulatory compliance. For example, in the pharmaceutical industry, manufacturers can use regtech to ensure that marketing complies with FDA requirements.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Regtech is simply the use of technology such as AI, machine learning, natural language processing, and blockchain to improve the way businesses manage regulatory compliance. For example, in the pharmaceutical industry, manufacturers can use regtech to ensure that marketing complies with FDA requirements.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 14, 2023

Staff producing the reports must communicate with management and inquire what management wants to glean or achieve from the data insights. Management may need to adjust its strategy to grow within areas where there is still room for growth without jeopardizing these limits. CRE geographic heat map. Industry borrower data.

Strategy 195

Strategy Data Analytics Analysis 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

Lending 243

Lending St. Louis Community Marketing 243

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions. Would you like other articles like this in your inbox?

Resources 195

Resources Risk Management Study Strategy 195

PYMNTS

DECEMBER 27, 2020

Financial regulators in China are moving to curb the influence of Jack Ma 's Ant Group by telling it to switch focus back to its mainstay payments business while fixing issues in personal lending, wealth management and more, The Wall Street Journal (WSJ) reports. The People's Bank of China criticized Ant on Sunday (Dec.

Groups 225

Groups Regulation Payments Lending 225

Abrigo

MARCH 13, 2024

No, it’s the current situation in the commercial real estate (CRE) market tied to the threat that distressed and problem CRE loans pose to investors, banks and credit unions, and the economy at large. Learn more about managing CRE loan distress. You might also like this podcast on leveraging the Fed's stress test scenarios.

Strategy 221

Strategy Course Meeting Taxes 221

PYMNTS

APRIL 2, 2020

This issue is present in almost every industry, as the $70.3 Big Data analytics reached a market valuation of $29.87 Financial data is useful in helping banks develop wide-reaching marketing campaigns, but social data is critical to developing offers for specific customers. billion spent on TV advertising in 2019 illustrates.

Analytics 237

Analytics Data Big Data social media 237

FICO

APRIL 21, 2023

My priorities in testing the potential of UltraFICO Score with DDA attributes were speed to market, simplicity and leveraging an existing scorecard already built on the data – and it didn’t hurt that FICO was the organization that developed and branded it from a marketing, approval and compliance standpoint.

Data 52

Data Lending Trends Branding 52

Abrigo

DECEMBER 17, 2021

Components of an effective fintech partnership If leveraging new technology is a priority for your FI, ensure these three elements are present for an effective fintech partnership. . Takeaway 3 Many FIs will price-compare vendors, but neglect to consider potential hidden costs , especially when managing multiple vendors.

Fintech 195

Fintech How To Innovation System 195

PYMNTS

MAY 8, 2020

But while Square does have genuine bright spots, Benson noted, its early determination to focus on card present transactions at physical retailers, and its relative slowness on card not present (CNP) transactions has had unfortunate dividends now as its core retailer set has been largely forced to close their doors.

Lending 187

Lending Payments Exercises Report 187

PYMNTS

JULY 14, 2020

That alternative method of paying for purchases “on credit” got a boost with news this week that Visa Installments , a new point-of-sale (POS) credit solution, is being rolled out in pilot markets across the U.S. Rounding out the top 5 of PYMNTS Provider Ranking of Alternative Credit Apps at present is BNPL player QuadPay.

Lending 130

Lending FDIC Minneapolis Utah 130

South State Correspondent

SEPTEMBER 27, 2023

Ask most banks how they construct their lending portfolio, and they say that “it is what the market gives them.” Banks generate “alpha” or excess returns by taking more risk, usually in the form of real estate and commercial lending. This combo presents a risk that banks should prepare for.

Lending 195

Lending US Marketing Capital 195

Jeff For Banks

APRIL 4, 2024

The Fed has paused for nearly a year now, and it was our experience in 2006-07 that bank cost of funds continued to increase as the market closed the delta between what someone could earn in a money market mutual fund and a bank account. But not until $1 trillion went from banking to money markets.

Banking Trends 115

Banking Trends Trends Millennials Oregon 115

PYMNTS

NOVEMBER 4, 2016

In B2B payments, that can mean discontent in the way traditional banks and FIs do business or a need for disruptive technologies to come to market faster than banks can offer. Gem uses Ethereum distributed ledger technology to streamline the health care claims process and help health care providers manage their cash and get paid.

Management 100

Management Innovation blockchain Capital 100

PYMNTS

MAY 22, 2020

While alternative and digital lending FinTechs can be a more agile option for borrowers, the way these FinTechs manage their own loan portfolios can become a particularly burdensome process that Diehl said threatens to take these companies’ focus away from their goal of enhancing borrower experiences, and toward back-office logistics.

Fintech 261

Fintech Lending Tools Risk Management 261

South State Correspondent

JANUARY 4, 2023

For any banker looking for clarity, we present five New Year’s resolutions, no matter your size, that provide a roadmap to accomplish both the short and long-term objectives of a top-performing bank. When offering a higher money market or CD rate, the direct damage done to cost of funds is often the least of a bank’s worries.

Community Bank 195

Community Bank Capital Training Lending 195

South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. We see borrowers trying to out-predict the market by guessing what the Fed might do, analyzing economic trends, studying graphs, or talking to friends at cocktail parties.

Marketing 195

Marketing Examples Capital Management 195

PYMNTS

NOVEMBER 27, 2019

Online small business lending platform Funding Circle is launching a new feature for U.S. Managing Director Bernardo Martinez. All three loans presented are underwritten by Funding Circle, with offerings presented over the phone and in emails to clearly articulate contract terms, interest rates, monthly payments and total loan amounts.

Customer Experience 132

Customer Experience Lending Operations Capital 132

PYMNTS

JUNE 28, 2016

By the end of Friday – $2 trillion was gone from the world markets. A few years ago marketplace-based online lending was being hailed as the the signature innovation that was going to upend tradditional bank based lending for consumers and small businesses everywhere. The market for marketplace lending in the U.K,

Lending 100

Lending National Marketing Online 100

PYMNTS

MARCH 17, 2017

Financial software firm Misys had a bit of a roller coaster year in a market constantly in flux. company canceled its IPO last October, citing “ current market conditions” as its reason behind deciding not to pursue an estimated $7 billion float on the London Stock Exchange.

Fintech 195

Fintech Innovation Lending Management 195