South State Correspondent
APRIL 9, 2025
At present, we track 150+ AI agent platforms that households and business can use right now to manage banking products. While the public is currently focused on booking travel, restaurants and events, soon they will be using agents to optimize their banking. These agents can now compare different banking products, to include researching fees, and then open an account in under ten minutes.
Abrigo
APRIL 8, 2025
This article covers these key topics: The difference between 1D and 2D risk rating models How CECL has impacted the necessity of a dual approach Why the LGD variable is so difficult to pinpoint Does your risk rating framework align with your CECL needs? More banks are rethinking the value of two-dimensional (2D) risk rating models as CECL and real-world challenges with LGD raise questions about their practicality.
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Payments Dive
APRIL 9, 2025
The measure revoking the bureau’s oversight of large technology payments players, such as Google and Block, passed on a straight party-line vote.
TheGuardian
APRIL 19, 2025
Proxy advisory firms back plans for hikes in maximum payouts 18 months after removal of banker bonus cap UK banks are expected to win approval for massive pay increases in the coming weeks after convincing influential shareholder advisers that hiking maximum payouts for chief executives by more than 40% would give them a competitive edge. ISS and Glass Lewis, two prominent proxy advisory services that suggest how shareholders should vote on company policies at annual meeting, have backed NatWest
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Why Legacy Lending Workflows Are Costing You More Than You Think Legacy systems and manual workflows might feel familiar, but they come with growing risks—compliance gaps, costly delays, and lost opportunities. This guide breaks down why clinging to traditional processes is no longer sustainable and how automation can help lenders regain control, improve efficiency, and reduce risk across the closing process.
BankBazaar
APRIL 23, 2025
BankBazaar has partnered with Muth oot FinCor p , one of Indias leading NBFCs, and the flagship Company of 138 – year-old Muthoot Pa ppacha n Group to enter the secured loans market with a Gold Loan product. As part of this innovative NBFC-FinTech collaboration, Muthoot FinCorp has also invested in BankBazaars ongoing Series D2 round as an equity investor to further strengthen the digital platform.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
South State Correspondent
APRIL 23, 2025
It is a long held notion in banking that you only move deposit rates when the Federal Reserve moves rates. However, if you think about this practice, it doesnt make much sense in terms of a banks profitability. Markets are dynamic. Interest rates, and funding costs, move independently from the Fed. In this article, we explore why now might be the right time to reduce rates before the next Fed meeting.
Abrigo
APRIL 11, 2025
This article covers these key topics: Hindrances to sound loan review scoping What loan review should be able to do How to stop scoping like it's 1985 Bringing your loan review scope into 2025 Determining the scope of a financial institutions loan review is the foundation of an effective loan review process. No matter how skilled your analysts are, if you arent looking at the right data, you are not adding valueyou may just be restating the obvious.
Payments Dive
APRIL 2, 2025
Mastercard and PayPal are among the companies viewing the digital assets as potentially useful for business-to-business transactions.
TheGuardian
APRIL 20, 2025
The Treasury seems to think relaxing financial rules will boost growth. Theres little evidence for this idea and every reason to believe it could exacerbate risks In its desire to ensure the City of London remains attractive after Brexit, the Treasury seems to have forgotten one of the major lessons of the 2008 financial crisis: when regulation is lax, risks accumulate.
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Jack Henry
APRIL 24, 2025
In today's fast-paced digital world, Generation Z is emerging as a powerful force in the financial landscape. Studies indicate that nearly four million Gen Z consumers will open new bank accounts annually through 2026. As they begin to establish their financial independence, understanding their unique needs and preferences is crucial for financial institutions (FIs) aiming to attract and retain Gen Z accountholders.
BankUnderground
APRIL 10, 2025
Lily Smith Like mother, like daughter? Like father, like son? Despite the increasing prevalence of digital payments in todays world, young people continue to use cash. The persistence of cash use, even among youngsters who have grown up with debit cards and smartphones, raises interesting questions about the factors that influence young peoples payment choices.
South State Correspondent
APRIL 2, 2025
“Liberation Day” brought a 10% baseline tax on all imports plus a 15% to 49% tariff rate on a defined set of nations (below). The move shook the markets, threatening to upend much of the architecture of the global economy and fueled broader trade wars. The recent uncertain shifts in trade policies, particularly increased tariffs on imports from China, Canada, and Mexico, have introduced specific uncertainties for community banks.
Abrigo
APRIL 11, 2025
Why the vendor matters in technology adoption Technology can deliver long-term value when a vendor and its employees bring not only technical expertise but also implementation guidance, regulatory awareness, and a collaborative approach to problem-solving. Key topics covered in this post: Buying software: The benefits of partnership Setting up the financial institution for success Helping software users in an ever-changing environment Advisory & product support builds trust Benefits of a ve
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Payments Dive
APRIL 15, 2025
Executives of the merchant services company visited Capitol Hill this month to connect with congressional staffers and share their views on payments.
TheGuardian
APRIL 15, 2025
All banking in the Pacific nation used to be done in cash but that is about to change on the main island of Funafuti Tuvalu, one of the worlds most remote nations, has unveiled its first ever ATMs, at the headquarters of the National Bank of Tuvalu in the village of Vaiaku on Funafuti, the countrys main island. Tuesdays ceremony marked a historic shift for the island nation of 12,000 people, which has never before had access to electronic banking.
Jack Henry
APRIL 22, 2025
As the financial landscape continues to change, it's more important than ever that your financial institution is able to make quick, well-informed decisions. This means traditional monthly or quarterly data analysis is no longer enough to equip you with the timely insights you need to manage your organization effectively.
Gonzobanker
APRIL 10, 2025
Customer acquisition cost (CAC): The metric that keeps CMOs awake at night, CFOs grumbling about marketing spend, and CEOs demanding more growth, faster! Few metrics in the banking and fintech arena are as hard to reliably quantify as this one. Luckily, a new study from Fintel Connect, 2025 Cost Per Acquisition Benchmarking Guide for Financial Services ,provides some much-needed reality checks.
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Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.
South State Correspondent
APRIL 8, 2025
In previous articles ( here and here ), we discussed how a portfolio of commercial loans with various expected average lives results in different net present value (NPV) of income and return over a ten-year period. We also identified ten variables that are responsible for extending the average expected life of a commercial loan. As we continue with a focus on managing loan life, we would like to demonstrate how the average expected life of a loan portfolio affects the efficiency ratio and compet
Abrigo
APRIL 18, 2025
Software providers work together to improve treasury teams' workflows Integrating ledger accounting and risk management software offers treasury departments for banks and credit unions a streamlined workflow without a heavy IT lift. This article covers these key topics: Why "one-size-fits-most" doesn't work well Where ledger and hedge accounting meet Treasury workflows simplified Why "one-size-fits-most" software doesn't work well When treasury or accounting teams at financial institutions begi
Payments Dive
APRIL 16, 2025
A recently signed deal will bring Klarna’s installment loans to Clover checkout at merchants across the U.S.
TheGuardian
APRIL 9, 2025
Concern grows over programs deployed to act with autonomy that may exploit weaknesses Business live latest updates Increasingly autonomous AI programs could end up manipulating markets and intentionally creating crises in order to boost profits for banks and traders, the Bank of England has warned. Artificial intelligences ability to exploit profit-making opportunities was among a wide range of risks cited in a report by the Bank of Englands financial policy committee (FPC), which has been moni
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Ublocal
APRIL 14, 2025
Fraud on the Rise in 2025 and How to Prevent It Scams and fraud are becoming rampant and much harder to spot. In the past, phishing emails and text messages often contained misspelled words and grammatical mistakes. These days, scammers are using artificial intelligence to create phishing emails and texts that are much harder to spot. They also use AI to create deep-fake voices and videos to impersonate people and improve their chance of success.
Jeff For Banks
APRIL 7, 2025
Be a goldfish. Or a zebra. In this latest Jeff4Banks.com video blog, I explore strategic bets, a term not embraced by bankers, likely because of the "bets" and the implication that it is gambling. So often we hear bankers object to making what could be franchise transforming "bets" because they are not goldfish. They take a failed bet some time ago in the past and use it as the reason to kill all future bets.
South State Correspondent
APRIL 1, 2025
As of last month, 68% of iPhone users were running iOS 18 or higher and 92% of Android users are running their 5.0 iOS or higher. This means that thanks to recent Apple upgrades in their operating system, most phones are now capable of receiving Rich Communication Services (RCS) messages in addition to traditional SMS. This transformation promises to bring a plethora of benefits and global brands are now gearing up.
Abrigo
APRIL 2, 2025
Payment fraud: What is it and why the payment system used matters Payments are evolving, and so are fraud tactics. As digital transactions become faster and more convenient, fraudsters are finding new ways to exploit vulnerabilities across payment channels. Financial institutions must stay ahead by implementing proactive fraud detection strategies to protect their customers and mitigate losses.
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Remote Deposit Capture (RDC) clients are more likely to use additional treasury services and maintain larger deposits. However, poor customer experiences—particularly if they delay deposits—can compel RDC clients to take their business elsewhere. This eBook makes the case for outsourcing RDC operations to a proven managed services partner. This approach helps Treasury Departments with limited resources provide excellent client experiences that result in higher retention and productivity rates.
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