PYMNTS

APRIL 21, 2020

Post-financial crisis, an influx of alternative lending players emerged to accelerate business finance digitization and expand choices for borrowers. The alternative finance boom impacted middle-market corporate borrowers, too, but in different ways. Finding the right loan product is only part of the middle-market borrowing puzzle.

Marketing 140

Marketing Capital Lending Management 140

BankUnderground

NOVEMBER 13, 2024

Macroeconomic evidence suggests that this ‘ global financial cycle ’ is largely driven by US monetary policy: expansionary policy by the Federal Reserve drives increases in lending globally, while contractionary Fed policy leads to a tightening of global financial conditions.

Policies 102

Policies Lending US Chicago 102

PYMNTS

NOVEMBER 12, 2020

The small business financing market is in a unique position: despite market volatility and an economic downturn, funding availability remains strong for SMBs thanks to government funding initiatives. But this trend is simply part of the ebbs and flows of the market, according to Dare. In the U.K., Funding Ebbs And Flows.

Marketing 160

Marketing Industry Lending Fintech 160

PYMNTS

MARCH 13, 2020

After the financial crash in 2008, banks saved up billions in reserves to make sure that they would be able to handle times of market stress and be able to keep lending. The Fed is basically telling banks to dip into those reserves if they have to.

Lending 146

Lending Company Google Data 146

PYMNTS

OCTOBER 1, 2019

India-based financial services provider Reliance Capital has announced it will exit the lending market. 30), Reuters reported , noting that the company is struggling to overcome “collateral damage” resulting from a slowing national economic and a broader “crisis,” the publication said, in India’s lending sector.

Capital 109

Capital Lending Regulation Operations 109

PYMNTS

MAY 31, 2019

The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups. The market’s creation was a spark that ignited a slew of disruptive changes for the small business financial services space.

Lending 130

Lending Regulation Capital Industry 130

PYMNTS

APRIL 17, 2018

Interest rates plummeted as the Fed held the federal funds rate at zero in the hopes of stimulating lending in an environment where credit went from dangerously free-flowing to dangerously non-existent in the span of a few months. People are buying houses such that there is now a supply shortage in the market. economy.

Lending 137

Lending Examples America Metro 137

PYMNTS

AUGUST 8, 2017

When news of the financial crisis broke in 2008 and big banks all over the world were eschewing consumer and small business credit markets, Batine and Dunaev saw an opportunity — one that was particularly pressing in developing nations, an area of the world that was below the big banks’ radars. A New $200 Million Fund.

Lending 105

Lending Capital Fintech Marketing 105

PYMNTS

JANUARY 18, 2017

Misys is offering banking clients access to its P2P lending software, reports said Tuesday (Jan. The financial technology firm revealed it will offer banks access to its peer-to-peer lending technology to help banks compete with younger alternative lenders in the industry.

Lending 100

Lending Software Online Financial Technology 100

PYMNTS

JANUARY 29, 2018

The financial services market has progressed by leaps and bounds in terms of innovation, from the rise of alternative finance to the development of technologies like blockchain and open banking initiatives. author of the report and Florida Atlantic University’s Kaye Family Endowed Professor in Finance.

Lending 116

Lending Florida Report Community Bank 116

Abrigo

AUGUST 30, 2022

Expanding the commercial loan portfolio in today's market With the right strategies, banks and credit unions can expand their commercial loan portfolios successfully. You might also like this webinar on commercial lending strategy. Market conditions. Current rate and market conditions. Risk management.

Strategy 195

Strategy Lending Risk Management Analysis 195

PYMNTS

JULY 7, 2020

The small- to medium-sized business (SMB) lending industry is used to adaptation, especially since the 2008 financial crisis, when legacy financial institutions (FIs) began pulling back and FinTechs and digital players stepped up in the space. Outdated Lending Practices Fail To Meet SMBs’ Current Needs .

Lending 138

Lending Study Industry Tools 138

BankUnderground

JULY 20, 2022

In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. This effect was especially strong for undercapitalised banks and lending to risky firms. Why might negative rates work differently?

Policies 110

Policies Lending Capital Study 110

PYMNTS

OCTOBER 26, 2017

It was the (initially) small FinTech startups that delivered a collective shakeup to the small business (SMB) lending industry. Technology giants like Google and Amazon , which gained their market muscle from non-finance-related ventures, are slowly stepping into the space. When I look at it from a U.S.

Lending 109

Lending Google Fintech Industry 109

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

BankUnderground

FEBRUARY 5, 2021

Emerging markets (EMs) have become more exposed to the global financial cycle in recent years. Negative liquidity shocks on the other hand constitute a tightening of financial conditions, reducing lending and real investment ( Bruno and Shin (2015) and Avdjiev et al (2018) ). Aakriti Mathur and Shekhar Hari Kumar.

Marketing 134

Marketing Policies Study Tools 134

PYMNTS

NOVEMBER 23, 2017

On the face of it, China’s announcement that it would open its financial markets to increased ownership by foreign companies seems a sea change. Or to put it another way, with valuations stretched across bourses and asset classes outside China, wouldn’t it follow that there would be a rush into this new open market?

Marketing 128

Marketing Lending Security Operations 128

PYMNTS

APRIL 30, 2020

Some are more exposed to credit card debt and lending to oil and gas companies. banks have stopped lending as much to European businesses as well, showing the home bias that is expected during a financial crisis. Many European banks have reduced lending to oil and gas companies, though. However, U.S. billion for the effort.

Lending 188

Lending Comparison Regional Capital 188

TheGuardian

OCTOBER 29, 2020

Lending rose £3.5bn in Q3 after bank processes highest number of applications since 2008 The UK’s largest mortgage lender, Lloyds Banking Group, has reported stronger-than-expected profits after cashing in on a surge in demand for home loans. Continue reading.

Lending 64

Lending Groups Marketing Report 64

PYMNTS

JUNE 17, 2020

Participants in the round included Aflac Global Ventures, Poalim Capital Markets, Viola, Oak HC/FT, Harvey Golub (Pagaya board member and former chairman and CEO of American Express), Clal Insurance Ltd., Pagaya said it has effectively jump-started the ABS market. Pagaya , a U.S. GF Investments, and Siam Commercial Bank.

Fintech 151

Fintech Lending Security Management 151

PYMNTS

NOVEMBER 16, 2017

Put a different way: If you open a country’s financial markets, will the (foreign) banks bring the capital? News came last week that China offered up plans to let outside investors into its markets — allowing for stakes big enough to take control of that country’s financial companies. Will China’s invitation get the party started?

Marketing 101

Marketing Capital Lending Course 101

South State Correspondent

AUGUST 15, 2023

Since our last update on 2Q credit HERE , 3Q commercial loan pricing trends start with a better economic picture as higher than-planned growth and softer inflationary data have changed part of the market’s outlook. Regarding loan growth, lending continues to be at the slowest pace since 2008.

Trends 195

Trends Community Bank Community Lending 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending? Want other articles like this on SBA loan origination in your inbox?

Lending 195

Lending FDIC Capital Risk Management 195

South State Correspondent

MAY 9, 2023

private and public lending markets are the world’s envy, with a wide availability of financing options for many capital seekers across the entire capital stack. We believe any change to the FDIC insurance coverage should aim to maintain and advance our credit markets.

FDIC 195

FDIC Regulation Capital Management 195

PYMNTS

MAY 25, 2016

Reports by Financial Times said on Tuesday (May 24) that Wells Fargo vowed to continue to lend to businesses that have significant outstanding debt against the guidance of U.S. ” Reports said Wells has pursued greater market share in its non-retail banking operations since its acquisition of Wachovia in 2008. .

Lending 100

Lending Regulation America US 100

PYMNTS

AUGUST 28, 2018

Zandi suggests that the debt burden mirrors the subprime lending spike, which eventually led to the 2008 economic crisis and breakdown of the nation’s financial services market. “It Even so, while there are significant differences between leveraged lending and subprime mortgage lending, the similarities are eerie.”.

Lending 101

Lending Analytics Policies Marketing 101

South State Correspondent

AUGUST 16, 2023

Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. New, post-2008 underwriting guidelines are having a positive effect on credit.

Trends 195

Trends Cards Capital Data 195

PYMNTS

NOVEMBER 27, 2018

Climbing interest rates are taking their toll on the number of consumers in the market for new home mortgages. The Incredible Shrinking Non-Bank Mortgage Lending Market. Unlike banks, these lenders have neither deposits to fund themselves nor (in most cases) other lines of business to buoy them through a slow housing market.

Marketing 116

Marketing Dallas Lending Conference 116

PYMNTS

DECEMBER 9, 2020

These are $100 billion market cap companies that are sitting in the middle of the payments supply chain.”. Lukies said that prior to the 2008 financial crisis, regulators and the like normally left banks to their own devices, as long as they didn’t mess it up so that people couldn’t pay their bills or go shopping.

Innovation 306

Innovation Fintech Payments Regulation 306

PYMNTS

JANUARY 7, 2021

billion, with the goal of bringing FinTech businesses to public markets. Founded in 2011, SoFi has worked to leverage lending after the 2008 financial crisis, focusing on student loan refinancing. Social Capital Hedosophia is one of three special-purpose acquisition companies (SPACs) on the lookout for investment opportunities.

Samsung 183

Samsung Capital Lending Innovation 183

Payments Source

OCTOBER 19, 2016

The recession that began in 2008 left a mark on many industries, but one effect for payments was the growth of merchant cash advance (MCA), which became an ongoing source of alternative financing for retailers when the downturn caused banks to sharply curtail lending to small businesses.

Marketing 60

Marketing Lending Retail Industry 60

Gonzobanker

MAY 9, 2017

Is automation a missing link to a more productive and profitable commercial lending department? The 2015 Cornerstone Performance Report found significant reductions among mid-size banks in both monthly loans originated and outstandings per commercial lending full-time equivalent employee. Enhanced competitiveness and market presence.

Lending 78

Lending Analytics Data United States 78

Fintech Labs Insights

AUGUST 16, 2024

But deep down, I’m still a loan nerd, and would love to attend any and all of the following conferences. If you plan on attending any of the remaining 2024, you should lock in a ticket now before prices go up. It could easily save you $1000 or more on a pair of tickets.

Conference 15

Conference Las Vegas Lending Nashville 15

PYMNTS

MARCH 8, 2019

Alternative small business lending firm Funding Circle has announced plans to launch in Canada. The company also pointed out that despite Canada’s ongoing recovery since the 2008 financial crisis, lending to small businesses has not recovered as quickly. Germany and the Netherlands.

Lending 149

Lending Operations National Strategy 149

Chris Skinner

MARCH 20, 2017

The article notes that the big American banks control 70% of all US assets, and that this figure has increased 40% since 2008. In the lead up to 2008, parallel to increasing debt levels, the size of banks rose sharply, especially relative to the size of certain economies.

System 236

System US Capital Lending 236

PYMNTS

JANUARY 6, 2020

The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups. The market’s creation was a spark that ignited a slew of disruptive changes for the small business financial services space. SMBs in the U.S. represent 99.7

Survey 130

Survey US Capital Lending 130

PYMNTS

FEBRUARY 22, 2019

has reached pre-2008 levels, meaning banks are facing risk that is elevated above what has been seen since the financial crisis. All in, the leveraged loan market in the U.S. banks’ direct leveraged lending risk is contained and mitigated,” noted the report. .” “If operating conditions in the U.S. “U.S.

Lending 116

Lending Marketing Capital Maine 116