CFPB Monitor

NOVEMBER 28, 2022

On November 17, 2022, the Consumer Financial Protection Bureau (“CFPB”) announced in a blog post that it is in seeking to build a new data set that “will allow for a more robust understanding of market trends” in the auto market. But, despite its size, we know much less about the auto lending market.

Data 147

Data Marketing Lending Trends 147

Abrigo

JULY 12, 2019

In some markets, retail deposit rates are still catching up to the past increases on the wholesale side. Time to update to the core deposit study? There are a number of reasons why financial institutions should update their core deposit studies. retail rates will probably go higher since we are in a tight liquidity situation.

Study 150

Study Risk Management Strategy Trends 150

Abrigo

APRIL 14, 2020

Key Takeaways The Federal Reserve recently unveiled a new loan-purchase program, the Main Street Lending Program (MSLP) Unlike the PPP, loans provided under the MSLP are not eligible for loan forgiveness Community financial institutions play an important role in the MSLP. Lending & Credit Risk. bank holding companies, and U.S.

Maine 195

Maine Lending Community Study 195

South State Correspondent

JULY 11, 2022

Email is one of the most effective bank marketing channels available. Using AI for bank email marketing can get you a 2% to 13%+ lift, or improvement, depending on the technique. In this article, we give you our top five lessons to inspire your bank to adopt AI in marketing or leverage our data to improve your effort.

Marketing 195

Marketing Data social media Groups 195

PYMNTS

FEBRUARY 3, 2020

And in leveraging Amazon’s scale as a platform — with millions of small to medium-sized businesses (SMBs) and even micro-sized businesses hawking pretty much everything under the sun — it might seem a “slam dunk” if, say, a financial industry powerhouse were looking to bring small business loans to a new market. The Challenge.

Lending 146

Lending Apple Study Online 146

South State Correspondent

JANUARY 20, 2020

We work on thousands of lending transactions every year with hundreds of community banks across the country. We witness the good, the bad, the ugly, and occasionally the very bizarre in bank marketing, under

Case Study 195

Case Study Study How To Community Bank 195

PYMNTS

JANUARY 2, 2020

The funding will be used to introduce B-North’s regional “Lending Pods” across Manchester in the second quarter of 2020. B-North’s proposed regional pod model and cloud banking technology will allow it to lend up to 10 times faster than other banks in order to help [small businesses (SMBs)] grow and develop,” according to its website.

Lending 131

Lending Regional Study Fintech 131

PYMNTS

NOVEMBER 13, 2017

The Federal Reserve Bank of Cleveland issued new research on the online lending market showing that borrowers end up in more debt than consumers who don’t utilize this method of borrowing. The researchers used data from TransUnion for the study, pinpointing 90,000 borrowers who took out online loans from 2007 to 2012.

Study 100

Study Cleveland Online Philadelphia 100

Abrigo

DECEMBER 18, 2023

Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether. Critical capital Should CRE lending be off the table? But understanding trends in their own portfolios and local markets can allow lenders to identify risk-appropriate CRE credits.

Risk Management 221

Risk Management Management Lending Capital 221

PYMNTS

APRIL 20, 2016

As the nation waits and drama builds over expected new guidelines from the Consumer Financial Protection Bureau on short-term lending, the government watchdog has issued a new report that indicates that the high cost of payday loans is even higher than most people think. Of that half, about a third face account closures as an outcome.

Study 100

Study Lending Guidelines Survey 100

PYMNTS

JULY 7, 2020

The small- to medium-sized business (SMB) lending industry is used to adaptation, especially since the 2008 financial crisis, when legacy financial institutions (FIs) began pulling back and FinTechs and digital players stepped up in the space. Outdated Lending Practices Fail To Meet SMBs’ Current Needs .

Lending 138

Lending Study Industry Tools 138

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

JULY 27, 2018

watchdog in charge of investor oversight proposed tough new regulations regarding peer-to-peer (P2P) lending platforms, in a bid to help consumers wade through the new landscape, according to a report by Reuters. The proposed rule changes come in the wake of a 2016 study of regulations that govern the sector, which dates back to 2014.

Lending 102

Lending Regulation Fintech Study 102

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

PYMNTS

APRIL 22, 2019

Might banks be making inroads into the hearts and minds of smaller firms as they seek out capital – as some SMBs cite at least some dissatisfaction with non-banking lending conduits? In addition, the relatively higher online lending rates come against a backdrop of what we might term a bit more caution about non-traditional lending.

Study 122

Study Lending Online Survey 122

PYMNTS

SEPTEMBER 25, 2017

Australia is now the Asia Pacific region’s second-largest alternative finance market, largely due to a favorable regulatory climate, according to new KPMG analysis. The Australian market is quickly becoming a hotbed of alternative lending , and new analysis from KPMG suggests it has risen up in the ranks.

Lending 100

Lending Regional Analysis Survey 100

PYMNTS

SEPTEMBER 18, 2018

And in lending, with the financial crisis in the rearview mirror, a decade on, invention – okay, innovation – has become a hallmark, at least in some corners. But a standstill in the credit markets created a vacuum for a bit, at least along traditional lending conduits. Necessity is the mother of invention.

Lending 148

Lending Innovation Fintech Cards 148

Bank Innovation

MARCH 27, 2017

In fact, according to a new study by The Economist Intelligence Unit, banking executives expect fintechs to gain the most marketshare in mortgage lending, as well as consumer finance and credit, including car and payday loan products. The unit […].

Fintech 150

Fintech Marketing Study Lending 150

BankUnderground

SEPTEMBER 14, 2023

Yuliya Baranova, Eleanor Holbrook, David MacDonald, William Rawstorne, Nicholas Vause and Georgia Waddington The functioning of major government bond and related repo markets has deteriorated on several occasions in recent years as trading demand has overwhelmed dealers’ intermediation capacity.

Marketing 93

Marketing Policies Capital Georgia 93

PYMNTS

NOVEMBER 1, 2019

Instant payments are gaining in international markets. Access to digital and instant disbursements would also significantly relieve consumers’ financial stress, the study found. To learn more about how Upstart is approaching instant disbursements as competition in online lending increases, visit the Tracker’s Feature Story.

Lending 112

Lending Trends Payments Mobile 112

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

South State Correspondent

JANUARY 2, 2024

First, we believe the market to be a poor predictor of future economic states. Louis studied the predictive prowess of economists. Bankers must be able to present the current (spot) and forward interest rate lending curve to clients. That dispersion is about 95bps for one standard deviation in today’s market.

How To 195

How To St. Louis Lending Marketing 195

Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

How To 195

How To Lending Software Survey 195

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

BankInovation

JANUARY 10, 2022

With an estimated market value of $10.7 billion, the automated lending wave is not expected to crest anytime soon. Market value is expected to increase nearly 100% to $20.5

Study 98

Study Lending Marketing 98

BankInovation

JANUARY 10, 2022

With an estimated market value of $10.7 billion, the automated lending wave is not expected to crest anytime soon. Market value is expected to increase nearly 100% to $20.5

Study 98

Study Lending Marketing 98

FICO

JUNE 30, 2021

Lending Improved With Data-Driven Decisions. Using FICO’s advanced AI-powered optimization , the bank will develop data-driven lending strategies to systematically improve results. “We For a complex lending market like the one today, optimization has become an essential tool.”. Slovenská sporite??a Slovenská sporite??a,

Lending 52

Lending Case Study Strategy Software 52

PYMNTS

JANUARY 29, 2020

A 2019 Strawhecker Group study indicated that only about 27 percent of SMB loan applications are funded by traditional lenders, according to the release. With the joint expertise and support from global FinTech leader FIS, we will be able to provide the working capital that SMBs need to compete in today’s hypercompetitive market.”.

Lending 131

Lending Florida Capital Fintech 131

FICO

FEBRUARY 16, 2022

It’s a mind-boggling number largely driven by demand for unfilled or rejected trade finance applications tabled by small businesses in emerging markets. One promising route is transactional analytics for SME lending. Using Transaction Analytics to Increase SME Lending – Case Study. The models also helped in originations.

Analytics 52

Analytics Lending Case Study Data 52

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

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

CFPB Monitor

JUNE 14, 2021

Two leaders of the CFPB’s Fair Lending Office – Patrick Ficklin, Fair Lending Director, and Charles Nier, Senior Fair Lending Counsel – recently published an article advocating for broader use of special purpose credit programs (“SPCPs”) by creditors.

Lending 78

Lending Regulation Study Washington 78

FICO

MARCH 22, 2022

The pandemic impacted the financial situation of SME’s in various ways, including the need to suddenly adopt digital banking channels, arrange repayment deferrals and of course an increased need for lending; a need which is increasingly being targeted by new lenders offering a simplified digital lending process.

Lending 52

Lending System Regional Survey 52

BankBazaar

AUGUST 12, 2021

The lending industry has evolved with time, and now thanks to BNPL plans, the world has more options to pay for its needs than ever before. These new-age lenders challenge the traditional lending industry by offering no-cost EMIs in a more consumer-friendly model. This has created a gap in the market. Recently, Square Inc.,

Lending 78

Lending Cards Online Industry 78

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

JUNE 30, 2022

Takeaway 2 Calculating historical loan betas requires pricing and origination data, historical market rates, and basic statistical methods. . With the expected ongoing increases in market rates, many institutions hope to improve net interest margin via an increase in yield on earning assets outstripping any increases in funding costs.

Lending 195

Lending Marketing Analysis Data 195