PYMNTS

DECEMBER 17, 2019

Bank study, nearly one-third of SMBs fail due to cash flow problems directly (i.e., CircleUp entered the market in 2012 as a data driven variation on venture capital (VC) funding to solve for part of that problem in retail and consumer packaged goods (CPG) firms. CircleUp is retail- and CPG-focused. According to a U.S.

Lending 132

Lending Data Retail Capital 132

PYMNTS

FEBRUARY 3, 2020

Goldman, according to reports in Bloomberg, would be added to the Amazon lending platform, which has traditionally helped merchants get the funding they need to get inventory. Amazon Lending traces its roots back to 2011, and the company had $863 million in SMB loans, according to recent filings with the Securities and Exchange Commission.

Lending 146

Lending Apple Study Online 146

BankUnderground

JULY 20, 2022

These are unlikely to work in the same fashion as rate cuts in positive territory, because of difficulties with charging negative interest rates on retail deposits, and because of banks’ negative return on excess liquidity. This effect was especially strong for undercapitalised banks and lending to risky firms.

Policies 94

Policies Lending Capital Study 94

South State Correspondent

JANUARY 17, 2024

Not All Bank Products Are the Same One of the main findings of the study is that the liability side drives most of the cross-sectional variation of bank value. Many banks have a chief credit officer and a chief lending officer but no chief deposit officer. One tactic is to utilize other products to support the main value drivers.

Study 195

Study Maine Analytics Capital 195

PYMNTS

APRIL 25, 2019

However, according to the Remote Payments Study conducted by PYMNTS in September 2018, behavior habits are shared by consumers based on income, age and gender. Certain purchases lend themselves more to mobile payments than others. mCommerce isn’t one-dimensional. More women (54.3 percent) than men (45.9 percent) and print media (3.5

Study 165

Study Mobile Payments Cards 165

BankInovation

JUNE 10, 2022

An academic paper studying anonymized administrative data from fintech lender Upstart Network found its alternative credit-decisioning model could widen the pool of potential borrowers more than traditional credit models.

Lending 52

Lending Study Fintech Data 52

PYMNTS

SEPTEMBER 18, 2019

Among the forces working to influence and change retail — and do so into the 2019 holiday shopping season, as well as the 2020s — is the rise of bridge millennials. This segment also spends approximately $2,225 per year on retail purchases, which is about $830 more than baby boomers and nearly $300 more than younger millennials.

Millennials 109

Millennials Retail Study Online 109

The Paypers

JULY 12, 2022

UK-based digital lending marketplace Freedom Finance has released a report finding that the retail store and online credit sector experienced its fastest ever start to a year in 2022.

Retail 36

Retail Study Lending Online 36

Perficient

NOVEMBER 10, 2023

Retail banks respond to the Federal Reserve’s short-term interest rate adjustments with corresponding changes in lending and deposit rates. This bank maintained consistent interest rates on transaction accounts without mergers or branch closures during the study period.

Risk Management 221

Risk Management United States FDIC Compliance 221

BankInovation

NOVEMBER 2, 2021

That is according to a recent study of Paycheck Protection Program (PPP) loans — a finding that runs counter to commonly held concerns that automation could encode common bias. The study, “Racial Disparities in Access to Small Business Credit: Evidence from the Paycheck Protection Program,” was conducted by researchers at […].

Lending 98

Lending Study Retail 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. a responsible for retail banking. “We For a complex lending market like the one today, optimization has become an essential tool.”.

Lending 52

Lending Case Study Strategy Software 52

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. Instant Payments and the Millennial Push.

Millennials 239

Millennials Payments Lending Study 239

PYMNTS

MARCH 10, 2018

However, the stakes can be much higher for retailers, as the length of a day can have a dramatic impact on how much (or how little) foot traffic they get. This claim originated from multiple studies as various states across the U.S. Massachusetts’ findings are consistent with a 2016 study by the JPMorgan Chase & Co.

Retail 113

Retail Massachusetts San Diego Los Angeles 113

Bank Innovation

JUNE 11, 2019

According to a new study commissioned by Divido, a white-label platform for point-of-sale lending, three of four traditional lenders identified losing ground to new entrants like Affirm and Klarna as a top concern for their business. Upstart lenders, including startups that offer checkout loans, are rattling incumbents.

Fintech 186

Fintech Lending Study Cards 186

PYMNTS

JANUARY 8, 2021

Both consumers and businesses are exhibiting shifting expectations for how the lending process should work, and many are expressing interest in alternative forms of lending, such as peer-to-peer (P2P) loans. Another study predicted that the P2P lending market will reach nearly $559 billion by 2027 due to this expanded interest.

Lending 163

Lending Examples Tools Meeting 163

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.

Conference 150

Conference Lending Oklahoma Alabama 150

Bank Innovation

FEBRUARY 20, 2019

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., candidates in Quantitative Marketing at Stanford Graduate School of Business, to find out.

Study 284

Study Analysis Marketing Operations 284

ABA Community Banking

JULY 13, 2020

The Consumer Financial Protection Bureau today released a study of the effects of so-called credit-builder loans on credit scores. The post CFPB Study Finds Mixed Results for ‘Credit-Builder’ Loans appeared first on ABA Banking Journal.

Study 81

Study Report Community Bank Community 81

Perficient

FEBRUARY 17, 2023

Embedded Payments A 2022 study published by the Federal Reserve Bank of San Francisco noted that app payments increased as a percentage of total consumer purchases from 11% in 2019 to 15% in 2020, to 29% in 2021. In this blog, we will look at how a non-banking firm can offer bank-like payments and loans to its customers. from a bank.

San Francisco 275

San Francisco Cards Online Payments 275

Abrigo

FEBRUARY 13, 2020

McAdam says that this year’s study reveals a “tipping point” in banking’s digital transformation, where adoption and satisfaction are both gaining high marks. Lending & Credit Risk. Breaking Down The 2020 Business Lending Readiness Survey: Roadblocks to Top Results. CRE Lending. Lending & Credit Risk.

Community 273

Community Lending Management Innovation 273

Perficient

JANUARY 16, 2023

It was a 1970s version of a retailer offering a financial product – credit, to enable sales and, if mom didn’t pay the charge in full at the end of the month, increase profits on the transaction via charging interest. Buy/build and gap analysis studies are integral in helping determine where embedded finance may reap the most benefits. .

blockchain 275

blockchain Software Customer Experience Strategy 275

CFPB Monitor

FEBRUARY 25, 2015

We recently wrote about two studies , one by Professor Ronald Mann and the other by Professor Jennifer Lewis Priestley, that cast serious doubt on the benefit to payday loan borrowers of an ability-to-repay requirement and limits on rollovers for payday loans, two elements that the CFPB is expected to include in its payday loan proposal.

Study 60

Study Austin Texas Lending 60

Celent Banking

MARCH 16, 2015

This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. P2P lending), and new payment schemes. Home Depot was an interesting case study. The retailer combines the in-store and app experience to enhance the customer buying process. Presenters proposed some solutions.

Conference 100

Conference Retail Community Community Bank 100

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. The CFPB’s Latest Round Of Payday Lending Complaints. EMV’s Second Phase.

Lending 100

Lending Mobile Cards Fraud 100

Gonzobanker

JUNE 13, 2018

Seriously, even the most optimistic head of retail banking would be unable to suppress giggles at the wisdom of potentially 36,000 more bank branches across the country. No, it’s going to take outside partnership to pull this off without the next USPS headline being something like “USPS Payday Lending Loses $1B in 3 rd Quarter.”

Lending 68

Lending Industry Study Strategy 68

PYMNTS

MARCH 10, 2020

What instant lending innovation have shoppers fallen in love with? Consumers love the delayed payment options and so do retailers, but the BNPL players themselves are loving their business model, too. Here’s a hint: We’ll tell you now … and you can thank us later. It’s a bona fide phenomenon. It’s a bona fide phenomenon.

Case Study 135

Case Study Retail Millennials Branding 135

PYMNTS

DECEMBER 4, 2020

When you look at retail banking, there have been a couple of newcomers in the market in recent years who come in with shiny, new apps,” he said. “So Elsewhere, StreetShares raised $10 million to expand small business lending technology for banks and credit unions. So far, corporate banking users are always left out in the cold.”

Lending 224

Lending Meeting User Experience Innovation 224

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

NOVEMBER 12, 2020

Adding to the problem, the Post reported, is the fact that the looming threat of bankruptcies and defaults has already caused banks to tighten lending. The COVID-led commercial real estate crunch is also having a major impact on retail properties. What he and other concerned parties are looking at are the growing reserves that U.S.

New York City 227

New York City New York Missouri Philadelphia 227

PYMNTS

APRIL 7, 2017

In the current retail battle of eCommerce versus brick-and-mortar, the way in which consumers seek out help while shopping in-store may have a profound impact on which side will ultimately win the war. This lends itself to not just store signage and brochures but also to those store employees with a deep product understanding.

Mobile 131

Mobile Retail Study Lending 131

PYMNTS

MARCH 27, 2019

It’s what makes sellers feel comfortable with lending their personal properties to buyers whom they have never met. Online retail giant Amazon is also making a similar push to ensure the reliability of its brand. Case Study: How Car-Sharing Platform Getaround Provides Vehicle Owners with a Safety Net. About the Playbook.

Payments 145

Payments Case Study Lending Study 145

PYMNTS

APRIL 20, 2016

Today’s 5-In-1 has the latest numbers from Google about sites being hacked, some pretty big price tag potential for the future of unattended retail, the latest figures from the CFPB about hidden payday lending fees, what the EU is accusing Google of, and numbers that show the impact of Amazon’s latest fashion tie up.

Data 100

Data Google New York Lending 100

PYMNTS

JANUARY 23, 2020

In today’s top news, FedEx officially expanded home delivery to include Sundays, Uber’s CEO believes his company is the most likely ride-hailing service to reach profitability, and the OCC prepares a civil suit against 10 former Wells Fargo executives for their roles in its retail banking scandals. FedEx Officially Launches Sunday Delivery.

Fraud 131

Fraud Community Bank Analytics Study 131

PYMNTS

OCTOBER 10, 2018

While children are sitting in schools studying the “real” three Rs (reading, writing and arithmetic), payments peeps will be looking at the local version: risk, rewards and real time. What all three have in common is being on the rise. Data: 233 trillion: The number of data transactions that move across the Adobe Experience cloud annually.

Data 152

Data Payments Study Lending 152

Gonzobanker

FEBRUARY 19, 2020

Financial institutions are making fintech partnerships a key priority in 2020, according to a new study from Cornerstone Advisors. The annual What’s Going On In Banking study explores how senior executives from 300 U.S.-based Fintechs can provide better design capabilities, improved customer experience, research states.

Strategy 110

Strategy Fintech Study Customer Experience 110

PYMNTS

APRIL 8, 2020

point-of-sale (POS) form of lending that’s become a retail sensation around the world in recent years. It is for these reasons that we see buy now, pay later solutions being so rapidly adopted across the fitness market and almost all retail categories.”. Enter ‘buy now, pay later’ (BNPL), the layaway 2.0

Exercises 173

Exercises Payments Millennials Retail 173

PYMNTS

SEPTEMBER 20, 2019

The group’s connected commerce behaviors are well-documented in the annual PYMNTS/Visa How We Will Pay 2019 study. Payday Lending Laws Drive Traffic to Pawn Shops. While short-term lending, in general, has a pretty rough reputation , the pawn loan is the most ill-regarded arena in an already unloved category of consumer lending.

Fraud 108

Fraud Payments Bitcoin Lending 108