PYMNTS

DECEMBER 17, 2019

Bank study, nearly one-third of SMBs fail due to cash flow problems directly (i.e., Managing cash flow can be tricky work when one is new to the market or looking to expand because cash is in short supply. Managing cash flow can be tricky work when one is new to the market or looking to expand because cash is in short supply.

Lending 132

Lending Data Retail Capital 132

PYMNTS

NOVEMBER 27, 2018

Yet, the small business lending gap remains. In a new report, PayNet and financial research firm Raddon examined the state of small business lending in the U.S. “What we didn’t know until this study was the size of the credit market for small businesses. For banks, the reason often comes down to profits.

Lending 159

Lending Fintech Capital Report 159

BankUnderground

JULY 20, 2022

In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. This effect was especially strong for undercapitalised banks and lending to risky firms. Why might negative rates work differently?

Policies 87

Policies Lending Capital Study 87

Bank Innovation

FEBRUARY 20, 2019

candidates in Quantitative Marketing at Stanford Graduate School of Business, to find out. Can regularly checking your credit score actually help improve your results? We wanted to know the answer to that critical question, so Credit Sesame partnered with Megan Hunter Antill and Jessica Yu, Ph.D.,

Study 284

Study Analysis Marketing Operations 284

Abrigo

DECEMBER 23, 2022

Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions. Takeaway 2 Along with a five-part ALM 101 series that took a deep dive into risk-rating, popular posts touched on the value of core deposit studies. Others are on top of the data every year.

Resources 195

Resources Risk Management Study Strategy 195

PYMNTS

JANUARY 12, 2021

The lending industry was hit hard during the pandemic’s early months, with many banks and traditional lenders rapidly adjusting their standards and rates to accommodate businesses’ and consumers’ shifting needs. The Disbursements Expectation Catch. Instant Payments and the Millennial Push.

Millennials 239

Millennials Payments Lending Study 239

Abrigo

APRIL 21, 2023

Focus loan reviews on risk in the portfolio Continuous loan review monitoring helps banks and credit unions ensure credit review systems support safe and sound lending. discussed how they use continuous monitoring in their efforts to ensure safe and sound lending practices.

Lending 195

Lending Risk Management Software System 195

BankUnderground

FEBRUARY 5, 2021

Emerging markets (EMs) have become more exposed to the global financial cycle in recent years. Negative liquidity shocks on the other hand constitute a tightening of financial conditions, reducing lending and real investment ( Bruno and Shin (2015) and Avdjiev et al (2018) ). Aakriti Mathur and Shekhar Hari Kumar.

Marketing 95

Marketing Policies Study Tools 95

Abrigo

MARCH 2, 2023

But when a storm hit, limitations on the back end due to its insufficient operations technology hampered Southwest’s ability to handle the most basic customer service in that industry: getting customers safely where they needed to be. A buyer’s guide for lending software for smaller financial institutions can be helpful.

Technology 195

Technology Lending Community Software 195

PYMNTS

DECEMBER 11, 2019

When it comes to lending — to say nothing of the wider world of payments — innovation and disruption have been on the rise in recent years thanks to digital and mobile technology, along with online marketplace models. So-called peer-to-peer (P2P) lending has certainly faced challenges in certain markets. Despite lending £6.7

Fintech 144

Fintech Lending Regional Regulation 144

Abrigo

AUGUST 26, 2019

The session is among several panel discussions and speaker sessions that are part of the Lending + Credit Risk track at the conference, hosted by Abrigo Sept. Stay Up-to-Date On Lending Best Practices. customers than traditional retail banks earned in the firm’s study of retail banking satisfaction. Learn More. The 2018 J.D.

Conference 150

Conference Lending Oklahoma Alabama 150

CFPB Monitor

AUGUST 13, 2020

The NCCF was established by the Consumer Credit Protection Act of 1968) to study consumer credit markets and recommend improvements in consumer credit regulations. In addition, the use of computers and communication systems and personnel to operate them also results in fixed costs. A $594 loan required a 103.54

Study 148

Study Survey National Analysis 148

PopularBank

APRIL 3, 2024

A study from the University of Chicago found the number of retirees within that segment will nearly double in the next 10 years. The so-called “forgotten middle” has been a hot topic for many owners and operators as they look to enhance the options with independent housing and assisted living, hoping to help those trapped in the middle gap.

Community 52

Community Operations Arizona United States 52

South State Correspondent

JANUARY 16, 2024

With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY. We provide lenders with education and marketing support to sell the ARC program.

Community Bank 195

Community Bank Community Compliance CA 195

Gonzobanker

MAY 9, 2017

Is automation a missing link to a more productive and profitable commercial lending department? The 2015 Cornerstone Performance Report found significant reductions among mid-size banks in both monthly loans originated and outstandings per commercial lending full-time equivalent employee. Enhanced competitiveness and market presence.

Lending 86

Lending Analytics Data United States 86

PYMNTS

JANUARY 6, 2020

The annual survey — a 2019 study that gives insights into small business performance in 2018 — polls companies with under 500 employees and is conducted by the 12 Federal Reserve Banks. According to the survey, while revenues grew for most, the percentage of firms operating at a profit remained unchanged from the previous year’s report.

Survey 130

Survey US Capital Lending 130

Bank Innovation

SEPTEMBER 30, 2019

A study of real estate businesses last year found that 42% of them use spreadsheets and/or paper to support critical operations. As customers turn to mobile and digital platforms for their banking and investing needs, the real estate buying process has lagged behind.

Study 170

Study Mobile Operations Customer Experience 170

South State Correspondent

FEBRUARY 12, 2023

However, despite the challenges of the current interest rate environment, the yield curve creates a tremendous opportunity for top-performing banks to earn outsized fees and higher interest margins in the commercial loan market by using a loan hedge. We want to highlight this option with a case study.

Community Bank 195

Community Bank Community Case Study Strategy 195

PYMNTS

MARCH 22, 2017

The overwhelming majority of participants in this study work independently because they want to and not because they have to,” the report declared. It’s a large responsibility, but as Freshbooks’ survey found, many small business owners are learning how to operate with a trial-and-error mindset.

Survey 102

Survey Lending Resources Report 102

PYMNTS

JULY 12, 2018

Cuomo on June 1, 2017, required DFS to study online lending in New York State and submit a report of its findings. Our review shows that while online lending has grown in recent years, our banking industry still supports the overwhelming majority of lending in New York while being subject to strong safeguards and oversight.

Online 100

Online New York Lending Regulation 100

PYMNTS

DECEMBER 4, 2020

And in an interview with PYMNTS, Frank Dux, managing director of CoCoNet , said corporates are getting the opportunity to move beyond the constraints of using outdated technology to address critical operational needs. Elsewhere, StreetShares raised $10 million to expand small business lending technology for banks and credit unions.

Lending 224

Lending Meeting User Experience Innovation 224

PYMNTS

MARCH 27, 2019

It’s what makes sellers feel comfortable with lending their personal properties to buyers whom they have never met. For more on the latest in sharing economy market trends, download the Playbook. Case Study: How Car-Sharing Platform Getaround Provides Vehicle Owners with a Safety Net. Trust keeps the sharing economy afloat.

Payments 145

Payments Case Study Lending Study 145

South State Correspondent

JANUARY 30, 2024

Unfortunately, this strategy has all the underpinnings of a credit problem case study, and we do not have to search for a hypothetical example. Regardless of how the loan is priced, we do not know the lending environment in two years, never mind in five years. The borrower will have no better options in the market.

Community Bank 195

Community Bank Case Study Community Strategy 195

BankUnderground

JANUARY 27, 2021

One key message stands out: banks that are more rooted in their market are much more likely to continue lending when faced with the economic fallout from such shock. Banks with access to central bank liquidity continued or even expanded their lending. A pandemic or natural disaster can impact lending in several ways.

Lending 68

Lending Study Marketing Capital 68

PYMNTS

NOVEMBER 23, 2020

To illustrate how AI adoption is playing out in the field, the November Mobile Order-Ahead Tracker® contains a deep dive on the efforts of the Colorado-based Boston Market chain. He said that AI processes data faster, “allowing restaurants to better tailor their mobile and in-person marketing efforts toward individuals’ tastes.

Mobile 289

Mobile Boston Fraud Colorado 289

PYMNTS

SEPTEMBER 13, 2017

But, because these solutions — like Bitcoin — are largely untested, many traditional banks are wary of investing in companies that operate in the space. Here’s a snapshot of some recent notable B2B API news: For many smaller merchants, fear is very much a factor when it comes to globally expanding their operations.

Strategy 190

Strategy Report Lending Fintech 190

BankUnderground

FEBRUARY 11, 2021

Our case study of French banks operating in London – part of a broader international initiative – suggests prudential policies have a much bigger offsetting effect on French banks’ lending out of the UK’s financial centre than on their lending out of headquarters in France. Our findings suggest it does.

Policies 102

Policies Lending Capital Case Study 102

CFPB Monitor

NOVEMBER 24, 2014

A study of indirect auto financing commissioned by the American Financial Services Association found that the CFPB’s proxy methodology for measuring disparities in auto dealer reserve is “conceptually flawed in its application and subject to significant bias and estimation error.” Cubita and John L. Culhane, Jr.

Study 68

Study Analysis Regulation Analytics 68

PYMNTS

APRIL 25, 2016

Visa is determined to make EMV faster, Starbucks wants to make getting that cuppa joe faster, too, and is crushing it with mobile order ahead and the CFPB might be moving closer to having a fast exodus of the payday lending business once its rules drop. Operating income increased 11 percent to $864 million. EMV’s Second Phase.

Lending 100

Lending Mobile Cards Fraud 100

South State Correspondent

JUNE 13, 2023

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. No one can time the market when purchasing a stock or locking in financing costs – the market is too efficient and unpredictable.

Marketing 195

Marketing Examples Capital Management 195

PYMNTS

MAY 15, 2019

No one in the study explicitly mentioned this risk as a difficulty. percent) said offering trade credit made day-to-day operations harder, though. It also limited spending on capital expenditures, production capacity, inventory purchases, new hires and marketing efforts. One solution has been trade credit insurance.

social media 108

social media Study Payments Operations 108

PYMNTS

NOVEMBER 13, 2018

It said the operating vision for the FPC is the result of more than 1,000 comments from industry players across the payment ecosystem. We encourage our nation’s payments leaders to lend their voices to the future of faster payments by joining the FPC and sharing their insights and expertise to further this important work.”.

Payments 192

Payments Survey Innovation Guidelines 192

Gonzobanker

MAY 4, 2022

An institution’s required credit expertise will depend on its business/niches – for example, knowledge of national environmental lending will be unique from that of import/export letter of credit. Digital marketing – This is simply too new an area for there to be loads of potential applicants with loads of expertise/experience.

Training 154

Training Survey System Data 154

PYMNTS

JANUARY 25, 2017

With plans to release the second edition of their Americas study, which will explore alternative finance across North, Central and South America, industry experts plan to add new data to the debate over the resilience of alternative finance. Will 2016 once again present an explosion in alt-lending transaction value?

America 100

America Lending Regulation Regional 100

PYMNTS

APRIL 2, 2019

But what has gotten less attention – largely because the practice is less common – is how microlending operations play out in developed nations like the U.S. Grameen has released its first study on that subject: “Microfinance in the United States: Early Impacts of the Grameen America Program.” The results, thus far, are positive.

Tools 126

Tools Study Los Angeles New Jersey 126

PYMNTS

MAY 24, 2016

The threat that is alternative lending is no more, according to a new report by Deloitte. The firm published a paper on the marketplace lending industry this week following a rocky month for the sector — the sudden exit of Lending Club’s CEO sent stocks tumbling. Soon after, the U.S. ” . . Nothing To Fear.

Report 100

Report Lending Industry Analysis 100

PYMNTS

SEPTEMBER 20, 2019

The group’s connected commerce behaviors are well-documented in the annual PYMNTS/Visa How We Will Pay 2019 study. Financial institutions currently control the international payments sector — anticipated to reach $2 trillion globally by 2025 — but startups will continue to crowd the market, taking 15 percent of banks’ revenues.

Fraud 108

Fraud Payments Bitcoin Lending 108