Perficient

OCTOBER 24, 2024

On June 6, 2024, the Office of the Comptroller of the Currency (“OCC”) Acting Chairman, Michael J. Hsu, addressed the 2024 Conference on Artificial Intelligence (AI) and Financial Stability, provided critical regulatory insights on the OCC’s thinking on AI. Traditionally, trading was manual.

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Accenture: Banking

OCTOBER 4, 2024

In our discussions with banking executives, a common theme is how the lending market is changing and constantly giving rise to threats and opportunities, as covered in our Commercial Banking Top Trends for 2024. Confronting these changes is essential, but it also requires banks to be willing to reinvent to stay ahead.

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Perficient

NOVEMBER 19, 2024

On April 19, 2024, the Japanese government published new “AI Guidelines for Business Version 1.0” (the “Guidelines”). On May 22, 2024, the Council submitted draft discussion points concerning the advisability and potential scope of any future regulation.

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South State Correspondent

JANUARY 10, 2024

The market expects the current inverted yield curve to remain through much of 2024 (based on long-term interest rates and the expected rate cuts in 2024). This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges.

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PYMNTS

JANUARY 27, 2021

The study found that central banks collectively representing a fifth of the global population will likely issue a general-purpose CBDC by 2024, according to BIS. Emerging markets and developing economies are strong boosters of cryptocurrency as they are looking for ways to expand financial inclusion, BIS said.

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South State Correspondent

JANUARY 2, 2024

Many economists and analysts predict that the Federal Reserve and other central banks will start easing monetary policy in 2024. How should lenders discuss interest rates in 2024, and what advice should relationship managers provide their clients about banking products? Therefore, we can expect no more clarity in 2024 than in 2023.

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South State Correspondent

DECEMBER 13, 2023

Most market participants are focused on just one monetary policy tool available to the Fed – short-term, federal funds rates. Even if the Fed does not increase the Fed Funds rate or even decreases the rate in the future, continued QT is expected to put pressure on the cost of funding in 2024.

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Perficient

JANUARY 21, 2025

At the end of 2024, Moodys changed its insurance outlook to stable, citing their belief in the adequacy of rate increases to cover forecast claims cost. 2024 closed with record-high average auto premiums which were up 26% from 2023. However, these higher rates are having noticeable impacts on consumers.

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Jeff For Banks

DECEMBER 10, 2024

I chose five years because banks that focus on year-over-year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance more than those that make those investments. billion in total assets and seven branches at September 30, 2024. M&F Bancorp, Inc.

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South State Correspondent

FEBRUARY 29, 2024

Since our last update on pricing and credit HERE , commercial loan pricing trends for the first quarter of 2024 continue to be driven by the perceived increase in credit risk, tighter credit supply and banks’ need for wider margins. In the C&I sector, lines of credit remain costly due to structure and usage.

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South State Correspondent

JANUARY 22, 2025

Rapid Market Movement Means Greater Interest Rate Risk in Loan Pricing During periods of rapid interest rate changes, some banks find themselves pricing off-market. Consider a loan where the bank issued a term sheet in September and the loan closed in December of 2024. This behavior has many negative implications for banks.

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Alex Jimenez

DECEMBER 17, 2024

2024 proved to be a year where banking and fintech continued to mesh into a single industry. This shift is both a challenge and an opportunity for banks to redefine their value in a rapidly changing market. Throughout the year, I wrote several articles that examined several facets of what is going on in the industry. Whats Next?

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Abrigo

JUNE 28, 2024

The market has seen significant fluctuations, and with the Federal Reserve's recent actions, the banking sector is experiencing unprecedented challenges. DOWNLOAD Strategies for 2024 Key components of managing interest rate risk These five areas of focus can help financial institutions improve their standing and prepare for the future.

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Perficient

FEBRUARY 29, 2024

This blog was co-authored by Perficient’s Chief Strategist and banking expert: Scott Albahary A slowing global economy, coupled with a divergent economic landscape, poses challenges for the banking industry in 2024.

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Jeff For Banks

JULY 1, 2024

Financial Markets Update – Second Quarter 2024 A dream vacation! That and getting consumed by Euro 2024 and Copa America soccer and of course, the Phillies. In July 2024, we will mark two years of inversion between the 10-year Treasury and the 2-year Treasury yields. for 2024 and 2.0% Where is the Recession?

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Abrigo

APRIL 8, 2025

Here are the results of the most recent survey: For banks under $10B in assets, only 5% used a 2D model in 2024 (down from 15% historically). Even at institutions over $50Bwhere 2D adoption was nearly universalit fell to 50% in 2024. Nothing had changed physically; the market just evaporated. Thats a significant shift.

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Jeff For Banks

OCTOBER 2, 2024

Financial Markets Update – Third Quarter 2024 I had a fantastic September traveling to France and Luxembourg with my sisters. You wouldn’t know we have recession risk when stocks are rampaging; markets crashed for a day on August 5 th but recovered in mere days. trillion for fiscal 2024 compared to -$1.7 y-o-y for August.

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William Mills

DECEMBER 13, 2023

WMA team members weigh in on their 2024 fintech, marketing and PR predictions. As we work on our annual Bankers as Buyers report , which highlights predictions and trends for the financial services industry, we were inspired to make a few of our own.

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BankUnderground

MARCH 6, 2025

Michal Stelmach , James Kensett and Philip Schnattinger Economists frequently use the vacancies to unemployment (V/U) ratio to measure labour market tightness. Analysis of the labour market during the current inflationary period often assumes the V/U ratio is constant and compares this measure with a supposed pre-2019 equilibrium.

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South State Correspondent

APRIL 22, 2024

In a few short months, stronger economic data (higher GDP, stronger job market, and stubborn inflation) changed the market’s and the Fed’s view on the future path of interest rates. The market and the Fed are now aligning on only one rate cut in 2024 – obviously this will change over the course of the year as the economic data evolves.

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Gonzobanker

DECEMBER 5, 2024

This year has delivered many “that wasn’t on our digital 2024 bingo card” moments for the team at Cornerstone Advisors. Over the years, a hardware-focused company owning a digital banking solution proved to be more of a struggle with consistent client market share losses in the Digital Insight client base.

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Digital Banking Marketing Capital Georgia 78

Jeff For Banks

MARCH 3, 2025

consumers now consider digital banking capabilities essential (Latinia, 2024)while operational pressures require us to do more with less. McKinsey predicts AI could unlock $340 billion in banking value through automation (McKinsey, 2024). WiFiTalents projects AI could boost engagement by 300% (WiFiTalents, 2024).

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South State Correspondent

MAY 22, 2024

The State of Office Lending Risk – Traffic 2024 will mark the fifth consecutive year where office demand has declined. If you add these metrics, office attendance has stabilized nationally and started to trend higher in 2024. Current usage is pegged at 61.7%. Badge swipes have been on an upward trend that should continue.

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Gonzobanker

DECEMBER 5, 2024

This year has delivered many that wasnt on our digital 2024 bingo card moments for our industry. Two deals that were very much needed in the market were Candescents (the artist formally known as NCR Voyix) acquisition by Veritas Capital in September for $2.45 Will new infusions in the digital banking space translate to real innovation?

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South State Correspondent

AUGUST 14, 2024

To effectively differentiate their services, commercial lenders will need to be thought leaders, understand their market and industries, and provide more insightful advisory services. Our ROI Calculator Here is a link to a specific ROI calculator used to assess the ROI of an income producing property: Rental-Property-Template ROI SSB 2024.

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BankUnderground

MARCH 27, 2025

Such increases can be a result of direct government policies, but as we explain in this post, changes in carbon prices appear to be also endogenously linked to developments in energy markets. In an ETS, generally in the form of a cap-and-trade system, the government sets a cap on emission allowances and the market determines the price.

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BankBazaar

JANUARY 14, 2025

Looking for the emerging trends in Indias personal finance market? This report summarises personal finance trends from 2024 and outlines expectations for 2025. Here are the key trends from 2024. 2024 Trends: 2023 saw one of the highest growth in credit and led to a slew of RBI measures to slow down unsecured credit.

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Gonzobanker

MARCH 28, 2024

2024 will prove to be a remarkably busy year in the digital space, when many financial institutions will make near-life-or-death choices about the future of their digital platforms and how they will support them. This is an area where speed-to-market competition will be important. #3. Josh Davis is a director at Cornerstone Advisors.

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Abrigo

FEBRUARY 6, 2025

Cannabis-related businesses (CRBs)spanning everything from cultivation to retailrepresent a market in need of lending services, from working capital to real estate and equipment loans. Get details The opportunities: Why cannabis lending may make good business sense The legalized cannabis market grew $2.6 billion in annual revenue.

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Jeff For Banks

MARCH 21, 2024

In the markets, we watched helplessly as real GDP plummeted -5% in 1Q20 and -31% in 2Q20 before rebounding by +33% in 3Q20. I’ve previously theorized that China would try to reclaim its global market share lost during the pandemic by flooding the markets with cheaper goods. 2024 could exceed -$2.0 Here's a rant.

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Abrigo

MARCH 18, 2025

It refers to the rules, institutions, people, markets, and agreements that make payment exchanges possible. Zelle said in 2024 it processed 3.6 The Fed is concerned with the overall safety and soundness of the payments markets, the promotion of operating efficiency, and equitable access to payments systems.

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South State Correspondent

JUNE 15, 2022

The Fed relented to market pressure and raised the overnight fed funds target rate 75bps to 1.50% – 1.75%. The stronger-than-expected May CPI Report has kept financial markets under pressure since its release last Friday and the Fed acknowledged that pressure with the need to move in larger increments in its rate-hiking campaign.

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Abrigo

NOVEMBER 13, 2024

businesses are privately held, and most are small, so the unique, aggregated view into how these private firms perform provides leadership teams with insight to make informed decisions about the large and growing small business market. Early 2024 figures show a dip in DSCR to 4.62x. Nearly all U.S.

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PYMNTS

MARCH 13, 2020

Robinhood Financial LLP has suffered three outages in roughly two weeks, and going dark has helped no one – certainly not the younger, tech-savvy investors who were left out of make-or-break days in the market. One thing’s for certain: The markets will continue to be volatile. 5G: The telecom technology will contribute roughly $2.2

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