South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). touched off a wave of bankruptcies.

Community Bank 195

Community Bank Community Los Angeles Regional 195

PYMNTS

APRIL 16, 2019

Among the most recent headlines, in Asia this past week, the Monetary Authority of Singapore (MAS) and the National Bank of Cambodia have signed a memorandum of understanding (MOU), that Business Times said will boost partnerships on FinTech and financial services innovation. The banks have also agreed to share data on emerging markets.

Fintech 211

Fintech San Francisco National Innovation 211

PYMNTS

APRIL 6, 2020

Based on information from six nations, with the inclusion of the U.K., regulators in Europe said on Monday (April 6) that Mastercard ’s plans to purchase a portion of Nets presents a sizable risk to competition on the continent. The European Commission said it had agreed to a request from the U.K., and the European Economic Area.

National 140

National Regional System Regulation 140

PYMNTS

JULY 22, 2019

Providing onboarding services in the Latin American market is both an exciting opportunity and a challenging one. If a firm needs to digitally onboard someone and verify them, we can help that company do that fairly seamlessly,” Samer Atassi, regional director, Latin America and Caribbean for Jumio, told PYMNTS in a recent conversation.

Innovation 161

Innovation Payments Regional America 161

South State Correspondent

MARCH 16, 2022

In a competitive market for commercial loans, every feature that can preserve credit quality or maintain pricing can be valuable to the lender. Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

How To 195

How To Community Bank Community National 195

PYMNTS

JULY 8, 2020

That includes paying for everything from clothes to restaurant deliveries through online and card-not-present transactions. But in an interview with PYMNTS, Scott Anderson , director of software product management and go-to-market, banking at Diebold Nixdorf , said that predictions of cash’s imminent demise are premature.

ATM 214

ATM Regional Mobile Payments 214

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

Fintech 194

Fintech Community Regional Technology 194

PYMNTS

DECEMBER 2, 2019

China has implemented a new policy requiring citizens who want new phone service to scan their faces to verify identities instead of simply presenting ID cards, according to a report in The Wall Street Journal. The law doesn’t say anything about nationality or mobile virtual network operators, which are in the business of reselling services.

Policies 130

Policies Mobile Maine Fraud 130

BankUnderground

NOVEMBER 29, 2023

Until recently, mainstream policymakers viewed global supply chains (GSCs) as engines of industrial competitiveness in advanced economies and industrialisation in emerging markets ( CRS (2020) , UNIDO (2015) ). For comparison, Chart 2 presents the same calculations for China. Source: Figure 2.7 Source: Figure 2.11 Source: Figure 2.5

US 121

US National Policies Industry 121

PYMNTS

SEPTEMBER 30, 2020

Consumers and businesses have been moving online in recent years, and regulators from the European Union to the Middle East and North Africa (MENA) region have worked to keep up with this migration. Consumers’ changing views are prompting MENA financial authorities to reexamine how their present regulations handle online privacy.

Regulation 175

Regulation Data Regional Examples 175

South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. We sat through almost every presentation and took pages of notes.

Conference 195

Conference Retail Community Bank Technology 195

PYMNTS

AUGUST 7, 2019

More recently, Mastercard, with Vocalink, struck a deal with P27 Nordic Payments Platform to provide the Nordic market with a real time and batch payments system. The immediate impact of the acquisition will be felt in the Nordics, where clearing services already exist, and then well beyond that region. “We

Payments 192

Payments Examples System Marketing 192

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 Lending Training 195

South State Correspondent

JANUARY 18, 2023

We have never seen a borrower presented upfront with a termination scenario for a defeasance – if they had, they would never take the loan. It is a standard provision at most national and larger regional banks that offer long-term fixed-rate financing. This provision is used extensively by insurance companies and conduits.

Community Bank 195

Community Bank Examples Community How To 195

Jeff For Banks

NOVEMBER 16, 2020

The markets are taking it all in stride, rallying strongly for most of this week and they seem more grateful for the prospect of a divided Congress, i.e, The markets believe the chance of tax hikes, repeals of tax cuts, and gigantic initiatives are greatly diminished. The national unemployment rate peaked at 14.7% in October.

Marketing 78

Marketing National New York City Taxes 78

South State Correspondent

MARCH 6, 2023

Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion. That is a standard commercial real estate loan in today’s community bank market (1.15X DSCR and 67% LTV). We analyzed the data to compare the two loans with multiple assumptions and present them graphically below.

Community Bank 195

Community Bank Community Lending Regional 195

PYMNTS

OCTOBER 23, 2018

-based merchants sell across borders, but that percentage lags behind other nations such as Germany and the United Kingdom, where half of merchants that sell goods and services online do so across borders. To capitalize on that aforementioned eCommerce growth in emerging markets and log sales in those regions, U.S. Should U.S.

Payments 164

Payments Regional Online America 164

Chris Skinner

MARCH 31, 2017

Equally, having been to the region regularly since 2002, I’ve seen how it is developing and changing. It just illustrates the market well, and has an attitude of Just Do It. More on that in other blogs, as the focus of this one is the market diversity. It’s a vibrant world that changes almost every day.

Regional 150

Regional Digital Banking America Meeting 150

PYMNTS

AUGUST 29, 2019

Digital fraud is particularly threatening in Southeast Asia, despite the fact that the Association of Southeast Asian Nations’ (ASEAN) eCommerce market is projected to exceed $200 billion in value by 2025. Account takeovers (ATOs), identity theft and phishing were found to be the most common methods of attack in this region.

Fraud 158

Fraud blockchain System Cards 158

PYMNTS

SEPTEMBER 22, 2020

“The experience of the mall CMBS [commercial mortgage-backed security] from Starwood is certainly symptomatic of the larger narrative,” said Christopher Sullivan, chief investment officer of United Nations Federal Credit Union, as reported in Yahoo! But apparently they’re doing something right in Philadelphia.

Philadelphia 206

Philadelphia Retail DC Detroit 206

South State Correspondent

JANUARY 22, 2023

We believe any prepayment provision is better than none, but we acknowledge that banks are challenged in the market to obtain borrower acceptance of some of these provisions. The graph above shows the economic spread reduction for various loan terms when a meaningful prepayment protection is not present.

Community Bank 195

Community Bank Community Capital Maine 195

South State Correspondent

OCTOBER 28, 2022

During the two weeks, there were over a hundred significant cyberattacks by nation-states on national and regional banks that you could watch unfold in near real-time (bel0w) at Gartner and Money 20/20. Small Idea – Hyper personalization and One-to-one Marketing. We are still baffled why this is a debate, but it is.

Conference 195

Conference Technology Las Vegas Trends 195

PYMNTS

JUNE 25, 2020

” Unison offers them that access point at a time when the product they offer has become particularly relevant to the market’s needs. ” Unison offers them that access point at a time when the product they offer has become particularly relevant to the market’s needs. Alleviating The Pressures Of The Present .

Las Vegas 255

Las Vegas Miami San Diego San Francisco 255

Independent Banker

MARCH 31, 2022

Chris Vogt of the Wisconsin Badgers NCAA basketball team presents an anonymous donation to First Kentucky Bank officials. The weekend after the tornado hit, community bank employees from across the region, from tellers up to the C-suite, answered the needs of the community in any way they could. A beacon of light.

Kentucky 163

Kentucky Community Bank Community Wisconsin 163

Celent Banking

SEPTEMBER 2, 2015

Looking back at the past ten years, China grew to be the largest exporting nation with $2.3 This presents an opportunity for global and regional banks to expand transaction services, broadening the options available to corporations doing business in the region.

Regional 100

Regional National Report Operations 100

PYMNTS

JUNE 13, 2019

In early May, Mastercard , in partnership with SEDESSON, the Mexico state agency for social benefits, and Edenred Bank, announced a first-of-its-kind test in Mexico’s Sonora state – the first regional test of biometric card technology in national history. In the U.S.

Cards 187

Cards Security United States Technology 187

Gonzobanker

FEBRUARY 8, 2022

At the same time, Michaud shared compelling data concerning just how big players like PayPal and Square have become relative to the market caps of traditional banks. An arms race in marketing and digital cannot be ignored. The grassroots of community and regional banking will no longer be vanilla operations geographically focused.

Fintech 165

Fintech Customer Experience Conference Technology 165

NCR

AUGUST 29, 2016

per cent of card-present transactions used the technology over the 12-month period – jumping from 32 per cent in 2014. The region’s chip card adoption rate jumped to 52.3 per cent adoption rate, while the Asia Pacific market is slightly less mature at 32.7 There were 4.8 per cent of cards issued, from 40.4

Cards 75

Cards Regional National America 75

PYMNTS

DECEMBER 3, 2018

Javier Santamaria, chair of the EPC , provided an update to PYMNTS on the challenges both faced and still present — and what lies ahead. As he stated, the EPC aims to bring SCT Inst to a progressively wider geographical scope of countries, ultimately reaching 34 nations, as laid out in plans disclosed last year. “On 21 of 2017.

Payments 155

Payments National System Regional 155

Gonzobanker

DECEMBER 19, 2022

As if that wasn’t enough, regulators took a sledgehammer to debit fee income with Reg II changes that will begin reducing card-not-present interchange fees starting in July 2023. Durbin pushed to add card-not-present transactions to his amendment, then proposed the same for credit. banks by market value.”. Goes to Sen.

Community 216

Community Fintech Industry Innovation 216

PYMNTS

FEBRUARY 7, 2018

When a customer reaches the checkout counter, he or she presents their phone and the coupons are automatically added to the order. Over a year of research, development and beta testing, Shopkick Grocery was found to increase consumer basket sizes to $59 in grocery, drugstore and retail spend per trip versus the $32 national average.

Texas 116

Texas San Antonio Oklahoma City Oklahoma 116

PYMNTS

MARCH 26, 2019

The high usage of voice – which is one of the fastest-growing adopted consumer technologies – “presented a tremendous opportunity” for ordering at restaurants due to “the speed and convenience voice allows to the consumer,” Sandler told PYMNTS in an interview. The Voice AI Market.

Technology 121

Technology Maine Study Google 121

PYMNTS

NOVEMBER 14, 2016

It’s projected to be the future of marketing and commerce. The dedicated AR device market is projected to reach just under $660 million by 2018. And the combined AR/VR markets are projected to reach over $162 billion by 2020. Some national and regional markets are more willing to accept AR than others.

Security 100

Security Regional Data Examples 100

South State Correspondent

MARCH 15, 2023

Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio. Previously, if banks were able to borrow against these securities, it would be at 98% of the market value or less, depending on the investment type.

social media 195

social media FDIC Branding Management 195

Abrigo

JULY 18, 2016

MountainSeed is a national AMC that serves several hundred community, regional, national, and international financial institutions and credit unions, and today we will share what we’ve dubbed our “Common Deficiencies Greatest Hits,” or the most Common Deficiencies in backordered appraisals.

Analysis 150

Analysis Software National Examples 150

BankUnderground

MAY 22, 2024

We find no evidence of a critical threshold The analysis presented in this blog is based on data from two UK household surveys: the Bank of England/NMG survey and the ONS Wealth and Assets Survey (WAS). The results can help policymakers to assess risks in the mortgage market more effectively.

Survey 55

Survey Lending Policies Analysis 55

PYMNTS

APRIL 2, 2020

Restrictions on movement may soon be back in effect, said Wang, as Chinese nationals are repatriating from parts of the world where COVID-19 is on an upswing, not a downswing, and there is a concern about them re-igniting another wave of outbreaks. But the global markets will recover – and might even become stronger than ever.

Examples 217

Examples Regional Online National 217