BankUnderground

APRIL 3, 2024

Net lending represents the overall surplus or deficit, and it is theoretically the same whether you look at it from the income or financial account viewpoint. Evolution of the net lending positions of households and corporates The pre-GFC era was a period of strong growth and low inflation , which coincided with a large expansion of credit.

Lending 101

Lending Analysis Trends Data 101

PYMNTS

JANUARY 6, 2020

has dropped from 8,000 in 2004 to about 5,400 in 2018. However, the number of banks has steadily declined over the years, partly driven by merger and acquisition (M&A) activity — with much of that consolidation occurring in the community bank market.

Community Bank 123

Community Bank Community Payments Fintech 123

PYMNTS

FEBRUARY 14, 2019

Meanwhile, Pinker called Hickel a “Marxist” who is embarrassed that data demonstrating progress on poverty comes from “markets and globalization rather than an overthrow of capitalism and global redistribution.”. In 2004, Alibaba launched Alipay; today, Alipay has around a billion global users.

Study 122

Study Mobile Data Marketing 122

PYMNTS

SEPTEMBER 22, 2017

The stores will still stay open, but amid same store sales declines of more than four percent year over year, price matching with Amazon and revamping its online ops will likely be a tough row to hoe (recall that the company ended an exclusive arrangement to be Amazon’s toy vendor of choice back in 2004). Fizzle Of The Week: Startups.

US 108

US Apple Innovation Regulation 108

CB Insights

APRIL 17, 2018

For the third consecutive year, we worked with The New York Times to identify and rank the top 100 venture capital professionals from around the globe. Below are the detailed profiles of the Top 20 Venture Capital Partners. PROFILES OF THE TOP 20 VENTURE CAPITAL PARTNERS. Current Firm: First Round Capital (Founding Partner).

San Francisco 71

San Francisco CA Capital Operations 71

BankUnderground

JUNE 9, 2020

Using the same variation in predicted infections the authors find that the Covid-19 related losses in market value are larger for more debt-laden, less profitable and more capital-intensive firms. The latter result suggests that investors value the relative ease with which labour versus capital costs can be shed.

Policies 94

Policies Marketing US Study 94

Jeff For Banks

DECEMBER 7, 2019

Total return includes two components: capital appreciation and dividends. But in 2004 they converted to a mutual savings bank, and then in 2012 converted to shareholder owned. First Capital, Inc. Nasdaq: FCAP) First Capital, Inc. Their vision is simple: "Build a great place to work and bank." Twelve basis points!

Indiana 60

Indiana Oregon South Dakota Community Bank 60

CB Insights

SEPTEMBER 10, 2019

Being comfortable with the idea of alternative financial systems has opened the door to a variety of innovations, from alternative investment vehicles like cryptocurrency to point-of-sale lending alternatives. The average millennial student debt load was $10,600 as of 2017 — about 2X more than what was owed by Gen X in 2004.

Millennials 77

Millennials Mobile Lending Cards 77

CB Insights

DECEMBER 7, 2017

Banks have receded from mortgage lending for a host of reasons, principally because the cost of complying with strict regulation from the Consumer Financial Protection Bureau on loan qualification and capital requirements has made the business more expensive. This is down from 44% in 2004.

Millennials 69

Millennials Lending United States Technology 69

Jeff For Banks

OCTOBER 19, 2012

If I said it once, I said it one thousand times: “My biggest fear is that the Fed is sowing the seeds of the next crisis with their flatter yield curve tricks, leaving many investors holding these low yielding long bonds when rates rise in future years, unable to get out without substantial capital losses.”

National 78

National Security US Massachusetts 78

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” percent in 2004, a decline of 1.1 To fight inflation, the Fed raised rates aggressively (familiar?).

FDIC 60

FDIC Community Bank Regulation Lending 60

Jeff For Banks

OCTOBER 21, 2010

Rebuilding of depleted inventories and increased capital spending helped to get GDP growth back on track in the summer of 2009 and into 2010. Dorothy has been with First Federal of Bucks County since November, 2004. We are improving slightly in the third quarter, so I don’t expect any action from them.

Taxes 60

Taxes Marketing Capital Policies 60

Lars Markull

MAY 30, 2020

The company was founded in 2004, went public in 2015 and the stock price is on a crazy 200% rally in the last twelve months. Already in 2016, the company announced Shopify Capital – a financing product for its merchant. But what happened last week? Shopify announced a bunch of new products.

Fintech 75

Fintech social media Examples Payments 75

TrustBank

DECEMBER 8, 2022

From 1990-2004, US home ownership rose 7.45% to 69.2% Adding to the observation is the fact that from roughly 2001-2006, a devastating housing price bubble formed due to lax lending standards. It expanded by 262% from 1990-2004 and by over 369% through 2008. from 1965-1990. and averaged 66% over that 14-year period.

US 52

US Policies Taxes Washington 52

Jeff For Banks

OCTOBER 11, 2011

Liquidity is becoming a problem for these banks, and with their stocks battered daily, they have no ready sources of capital. It will take time, but eventually, companies and banks will seek higher returns and invest and lend. Dorothy has been with First Federal of Bucks County since November, 2004. Companies are sitting on $1.9

DC 65

DC Security Washington Risk Management 65

Jeff For Banks

MAY 4, 2020

They also implemented large, aggressive borrowing and purchase programs for Treasuries, Agency mortgage backed securities, corporate bonds, municipal bonds, loans, commercial paper, bank lending, and small business loan programs. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. Congress passed $2.3

Marketing 60

Marketing Philadelphia Community Bank US 60

Lars Markull

MAY 30, 2020

The company was founded in 2004, went public in 2015 and the stock price is on a crazy 200% rally in the last twelve months. Already in 2016, the company announced Shopify Capital – a financing product for its merchant. But what happened last week? Shopify announced a bunch of new products.

Fintech 40

Fintech social media Examples Payments 40

CB Insights

DECEMBER 4, 2019

Through trial and error, the company has set up key financial pillars across payments, cash deposits, and lending. An RBC Capital Markets report put the average annual sales of an Amazon Go location at about $1.5M. Amazon Lending. Today, Amazon has expanded its business lending to the US and UK. Amazon SMB Lending.

Cards 101

Cards Lending Strategy US 101

CB Insights

OCTOBER 29, 2018

The housing bubble bursting that same year had the opposite effect and various penalties and real estate losses relating to Countrywide’s lending practices ended up costing BofA about $40B, all told. Lycos simply couldn’t compete with better offerings from the likes of Google, and in 2004, Terra sold Lycos for a meager $95M.

Google 76

Google Software Company Innovation 76

Fintech Labs Insights

APRIL 12, 2024

Innovations from 1995 to 2014 (with launch dates) Note: Ranking as of Jan 2014 Wells Fargo is first in the world to offer Web-statement access (launched May 1995) Security First Network Bank launches first full-service Internet bank brand (Oct 1995, disbanded 2002) PayPal launches first online optimized payment system (Nov 1999, bought by eBay in 2003) (..)

Innovation 15

Innovation Fintech Online Mobile 15

Fintech Labs Insights

NOVEMBER 22, 2021

Value ($B). Value Date. Sub-Category. 5 Nov 2021. 5 Nov 2021. Ant Technology. 2018 round. 5 Nov 2021. 5 Nov 2021. June 2021 round. 5 Nov 2021. 5 Nov 2021. July 2021 round. 5 Nov 2021. 5 Nov 2021. August 2021 exit to Square. 5 Nov 2021. Aug 2021 round. FTX Exchange. Oct 2021 round. Accounting. 5 Nov 2021. South Korea. Nov 2018 transaction.

Fintech 15

Fintech Lending Payments Security 15

Fintech Labs Insights

NOVEMBER 22, 2021

Value ($B). Value Date. Sub-Category. 5 Nov 2021. 5 Nov 2021. Ant Technology. 2018 round. 5 Nov 2021. 5 Nov 2021. June 2021 round. 5 Nov 2021. 5 Nov 2021. July 2021 round. 5 Nov 2021. 5 Nov 2021. August 2021 exit to Square. 5 Nov 2021. Aug 2021 round. FTX Exchange. Oct 2021 round. Accounting. 5 Nov 2021. South Korea. Nov 2018 transaction.

Fintech 15

Fintech Lending Payments Security 15

Fintech Labs Insights

JANUARY 21, 2022

Ant Technology. 2018 round. Mar ’21 round. August ’21 exit to Square. Aug ’21 round. FTX Exchange. Oct ’21 round. South Korea. Nov ’18 transaction. New Zealand. Accounting. Secondary market May 21. Mar ’21 SPAC (proposed). Dec ’19 round. Wise ( TransferWise ). Aug ’21 round. Payroll/SMB. Oscar Health. Jan ’16 round. Better.com. April ’21 round.

Fintech 15

Fintech Lending Payments Security 15

Fintech Labs Insights

OCTOBER 19, 2021

Value Date. Sub-Category. 9 Sep 2021. 9 Sep 2021. Ant Technology. 2018 round. 9 Sep 2021. August 2021 exit to Square. 9 Sep 2021. 9 Sep 2021. South Korea. Aug 2021 round. 9 Sep 2021. 9 Sep 2021. 9 Sep 2021. 9 Sep 2021. New Zealand. Accounting. 9 Sep 2021. Nov 2018 transaction. 9 Sep 2021. 9 Sep 2021. April 2021 round. Jan 2016 round. Better.com.

Fintech 15

Fintech Lending Payments Analytics 15

Fintech Labs Insights

DECEMBER 20, 2021

Value ($B). Value Date. Sub-Category. Ant Technology. 2018 round. July 2021 round. August 2021 exit to Square. South Korea. Aug 2021 round. FTX Exchange. Oct 2021 round. New Zealand. Accounting. Nov 2018 transaction. Secondary market May 21. Checkout.com. Jan 2021 round. One97 (PayTM). Dec 2021 round. Jan 2016 round. Better.com. Dec 2021 round.

Fintech 12

Fintech Lending Payments Security 12

Fintech Labs Insights

APRIL 30, 2015

Sneak Peek Part 7: Avoka, CBW Bank, Cloud Lending Solutions, Context Relevant, Dealstruck, DriveWealth, Dwolla, Dynamics, Encap Security, EyeBuy, FIS Mobile, Kabbage, Knox Payments, Lending Tree, LendKey. Finaeos automates the back-office and capital raise compliance. Founded: 2004. See you in San Jose!

San Jose 12

San Jose Las Vegas California Tucson 12

Fintech Labs Insights

JUNE 3, 2021

US lending specialist. Personal Capital. . #99 Recharge : $2.1B US payments company. 110 (t) SpotOn : $1.9B US payments company. 123 (t) Zeta : $1.5B India-based banking technology startup. 146 (t) Sunbit : $1.1B 153 (t) Amount : $1.0B US fintech insfrastructure. 153 (t) DailyPay : $1.0B US Payments company. French insurtech.

United States 15

United States Fintech US Technology 15

Fintech Labs Insights

JUNE 3, 2021

US lending specialist. Personal Capital. . #97 Recharge : $2.1B US payments company. 108 (t) SpotOn : $1.9B US payments company. 121 (t) Zeta : $1.5B India-based banking technology startup. 144 (t) Sunbit : $1.1B 151 (t) Amount : $1.0B US fintech insfrastructure. 151 (t) DailyPay : $1.0B US Payments company. French insurtech.

United States 15

United States Fintech US Technology 15

Fintech Labs Insights

FEBRUARY 15, 2022

Scalable Capital. Value Date. 1 Feb 2022. Ant Technology. 2018 round. 1 Feb 2022. Ecommerce. Mar 2021 round. 1 Feb 2022. Netherlands. Aug 2021 round. Citadel Securities. Jan 2022 round. Nov 2018 trans. 1 Feb 2022. 1 Feb 2022. 1 Feb 2022. 1 Feb 2022. New Zealand. 1 Feb 2022. Credit Karma. Dec 2021 round. Sep 2021 round. June 2021 round.

Fintech 15

Fintech Lending Technology Payments 15

Fintech Labs Insights

FEBRUARY 1, 2022

Scalable Capital. Value Date. 1 Feb 2022. Ant Technology. 2018 round. 1 Feb 2022. Ecommerce. Mar 2021 round. 1 Feb 2022. Netherlands. Aug 2021 round. Citadel Securities. Jan 2022 round. Nov 2018 trans. 1 Feb 2022. 1 Feb 2022. 1 Feb 2022. 1 Feb 2022. New Zealand. 1 Feb 2022. Credit Karma. Dec 2021 round. Sep 2021 round. June 2021 round.

Fintech 15

Fintech Lending Technology Security 15

Fintech Labs Insights

JANUARY 4, 2021

Creditas : The Brazilian lending platform surpassed the billion-dollar mark with a massive $250M round in December valuing it at $1.8B. Personal Capital. The long-time Finovate Europe favorite has roots in Israel but is headquartered in the UK, it becomes the 11th fintech unicorn based in the UK, and the 6th most valuable. 31-Dec-2020.

United States 15

United States Fintech Lending Company 15

Fintech Labs Insights

JANUARY 4, 2021

Creditas : The Brazilian lending platform surpassed the billion-dollar mark with a massive $250M round in December valuing it at $1.8B. Personal Capital. The long-time Finovate Europe favorite has roots in Israel but is headquartered in the UK, it becomes the 11th fintech unicorn based in the UK, and the 6th most valuable. 31-Dec-2020.

United States 15

United States Fintech Lending Company 15

Fintech Labs Insights

JULY 7, 2021

Scalable Capital , German investech. Scalable Capital. -based wealth management platform. 102(t): $2.1B Mercado Bitcoin, Brazillian crypto exchange. 105(t): $2.0B Clip , Mexican payments startup. 105(t): $2.0B Bunq , banking startup from The Netherlands. 121(t): $1.8B Trulioo , Canadian fintech security company. 139(t): $1.4B

United States 15

United States Fintech Bitcoin Capital 15

Fintech Labs Insights

APRIL 8, 2021

1 back on the list after previoulsy falling below $1B (Lending Club). _. Personal Capital. To qualify, a company must have been founded in 2000 or later and have its primary business related to financial services including banking, savings, lending, investing, insurance, wealth management, SMB accounting and payroll. Value Date.

United States 15

United States Fintech US Lending 15

Fintech Labs Insights

FEBRUARY 2, 2021

But given it’s position as powering alternative energy lending at the POS, it seemed to be more the former. Personal Capital. PPRO helps global merchants accept payments locally to save on FX costs. Sunlight Financial : We debated whether NYC-based Sunlight is more fintech or financial institution. Full Fintech Unicorn List.

United States 15

United States Fintech Utah Lending 15

CB Insights

NOVEMBER 16, 2017

In venture capital, returns follow the power law — 80% of the wins come from 20% of the deals. Get the 65-page report on teardowns for Union Square Ventures, Andreessen Horowitz, Sequoia Capital, and more. JD.com took a huge risk by stepping into a major market and investor Capital Today made a $2.4B

Lending 78

Lending Capital Company Google 78

Fintech Labs Insights

DECEMBER 7, 2020

Personal Capital. To qualify, a company must have been founded in 2000 or later (OK, we have a couple of 1999s too, just so we can keep PayPal on the list) and have its primary business related to financial services including banking, savings, lending, investing, insurance, wealth management, SMB accounting and payroll. *To

United States 15

United States Fintech Portland Oregon 15