South State Correspondent
APRIL 16, 2025
When a bank makes a loan, its stepping onto a multidimensional terrain of risk. Credit, interest rate, liquidity, optionality, legal and operational risk all interplay with each other to expose the bank, and the borrower, to a set of risk that can be visualized as a three-dimensional area. Given the current state of the economy, this risk is near an all-time high.
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.
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William Mills
APRIL 17, 2025
As the old saying goes, "If you fail to plan, you plan to fail." It emphasizes how important preparation and critical thinking are in achieving success. Having a strategy is essential for individuals and/or organizations as it provides a structured framework to achieve long-term goals, optimize resources, and effectively navigate challenges. Whether you are remodeling a house or developing a public relations campaign, without a defined plan, you could be setting yourself up for failure because y
TheGuardian
APRIL 14, 2025
David Solomon warns that escalating trade war poses material risks for US and global growth The chief executive of Goldman Sachs, David Solomon, has warned that the chances of a US recession have increased in the wake of Donald Trumps tariffs and that an escalating trade war poses material risks for US and global growth. The Wall Street boss said the growing uncertainty over the fallout of US tariffs could spell trouble for companies and consumers and wreak havoc on the economy.
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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.
BankUnderground
APRIL 17, 2025
Mike Knight In this post, I argue that, to strengthen climate risk metrics, the pricing of carbon should be transparent and consistent. I suggest that lessons can be learned from existing commodities and interest rate markets in the role a benchmark price (for carbon) could play to provide that transparency and consistency. Further, I propose that a benchmark incorporating existing explicit and implicit carbon prices could be sufficiently credible to allow widespread adoption.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
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.
South State Correspondent
APRIL 14, 2025
Customer profitability is often talked about but rarely understood. We analyzed the commercial loan portfolio of a regional bank to determine what products, scale, cross-sell opportunities, and expected life translates to profitability. The results may be surprising to some readers. The granularity of this data reflects the state of the banking industry, and the lessons learned can be incorporated by most community bankers in their daily product pricing, marketing, and sales efforts.
The Emmerich Group
APRIL 17, 2025
Net interest margin is under pressureand if your bank is still waiting on rate changes to save your profitability, youre already behind. In this sharp, no-fluff video, Roxanne Emmerich lays out exactly how the top 5% of banks are outpacing the competition with bank margin growth strategies that dont depend on rate specials or CD gimmicks. Youll get a sneak peek of whats coming in her next Top Gun CEO Interview featuring Charlie Hollanda CEO whose team is pulling in low-cost deposits weekly, and
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Payments Dive
APRIL 14, 2025
Some House Financial Services Committee members are pressuring the Federal Reserve to reverse a proposal to lower the debit card fees that banks can charge.
TheGuardian
APRIL 15, 2025
Lenders stepping up mortgage price war in apparent response to financial turmoil sparked by US tariffs UK lenders are stepping up a mortgage price war, with HSBC and the Co-operative Bank announcing fresh rate cuts, and Halifax and Lloyds Bank loosening their affordability rules to enable homebuyers to borrow more. The number of low-deposit mortgages that let buyers borrow up to 95% of a propertys value has hit a 17-year high.
American Banker
APRIL 17, 2025
Federal Reserve Gov. Michael Barr who recently stepped down as the central bank's Vice Chair for Supervision urged banks and regulators to use emerging technologies to keep pace with bad actors.
The Paypers
APRIL 16, 2025
J.P. Morgan ’s blockchain platform, Kinexys , has introduced support for GBP-denominated payments for its corporate clients.
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AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.
Payments Dive
APRIL 15, 2025
The percentage of U.S. credit card accounts past due for 90 days was the highest in 12 years during the fourth quarter, a Philadelphia Federal Reserve report said.
ABA Community Banking
APRIL 16, 2025
Equity Bancshares in Kansas, has agreed to buy NBC Corp. of Oklahoma. TowneBank in Virginia, has agreed to buy Old Point Financial. The post Bank acquisitions announced in Oklahoma, Virginia appeared first on ABA Banking Journal.
American Banker
APRIL 14, 2025
The U.K. challenger bank's Engine tech unit has registered in Delaware and will soon begin hiring a small staff on the East Coast. It faces the stiff challenges all new core banking software providers face in this country.
The Paypers
APRIL 16, 2025
IDEMIA Secure Transaction (IST) has partnered with the National Payment Corporation of Vietnam ( NAPAS ) to expand the nation’s digital payment landscape.
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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.
Payments Dive
APRIL 16, 2025
A recently signed deal will bring Klarna’s installment loans to Clover checkout at merchants across the U.S.
Cisco
APRIL 16, 2025
To ensure the safety of cardholder environments, financial institutions must understand the guidance on modern technologies and applicable controls.
American Banker
APRIL 17, 2025
The Ohio-based regional bank is poised to outperform in the second quarter after coming close to "hitting on all cylinders" during the first three months of the year, CEO Steve Steinour said.
The Paypers
APRIL 13, 2025
AI-powered financial product management platform FintechOS has extended its collaborative agreement with Fort to improve cybersecurity readiness.
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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.
Payments Dive
APRIL 17, 2025
Banks must persuade merchants and consumers the payment method is an acceptable alternative to credit cards, the consulting firm suggested.
ABA Community Banking
APRIL 14, 2025
Where minority bank branches are located and how they fuel small business lending and growth in their markets. The post At the intersection of opportunity and need appeared first on ABA Banking Journal.
American Banker
APRIL 14, 2025
Federal Reserve Board member Christopher Waller said he would not be deterred from classifying inflation as "transitory" despite the board's recent experience underestimating inflationary pressures.
The Paypers
APRIL 15, 2025
Investment firm KKR has agreed to acquire OSTTRA , a post-trade services provider for over-the-counter markets, in a deal valued at USD 3.1 billion.
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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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