The Financial Brand

NOVEMBER 18, 2021

Greater acceptance of digital commercial lending processes has arrived as both financial institution lenders and prospects see the benefits. The post How the ‘New Normal’ is Driving Change in Small Business Lending appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Lending 35

Lending Banking Trends Analysis Trends 35

The Financial Brand

OCTOBER 24, 2021

Financial institutions must scrutinize marketing, branching and lending strategies as Attorney General targets redlining in mortgage credit. The post Justice Department Sets Major Fair-Lending Enforcement Push appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Lending 33

Lending Banking Trends Analysis Trends 33

The Financial Brand

DECEMBER 27, 2021

The post Mortgage Lending Snag: Boomers & Millennials Vie for the Same Houses appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Just as more Millennials are finally looking to become homeowners they find starter homes have been grabbed by retirees or investors.

Millennials 33

Millennials Lending Banking Trends Analysis 33

The Financial Brand

OCTOBER 11, 2021

Here's what banks and credit unions need to know to stay competitive in this vital market. The post Three Key Trends Will Dominate the Auto Lending Landscape in 2022 appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Trends 32

Trends Lending Banking Trends Analysis 32

The Financial Brand

JANUARY 5, 2022

Fintechs are making deep inroads in the small business banking market, including lending, forcing banks to up their game. The post Top Trends Transforming Business Banking in 2022 and Beyond appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Trends 41

Trends Banking Trends Analysis Lending 41

The Financial Brand

AUGUST 10, 2021

Anemic lending and vaccination questions aren't the only things nagging banking leaders. The post Banking and Payment CX Jeopardized By Surging Digital Fraud appeared first on The Financial Brand - Banking Trends, Analysis & Insights. A 'pandemic' of fraud must also be dealt with.

Fraud 43

Fraud Payments Banking Trends Analysis 43

The Financial Brand

OCTOBER 10, 2021

Leading traditional credit card issuer crosses the line into merchant-supported buy now, pay later lending. The post Card-Issuing Bank Takes on Fintechs with Its Own BNPL Plan appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Cards 39

Cards Fintech Banking Trends Analysis 39

The Financial Brand

JUNE 9, 2021

The post Fintech Lending Is On The Rise, But Default Rates Aren’t Pretty appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Consumers like the sound of getting a loan from a fintech provider instead of a traditional institution, but at what cost?

Lending 28

Lending Fintech Banking Trends Analysis 28

The Financial Brand

NOVEMBER 7, 2021

Research on the future of banking finds that most changes in the future of banking will be evolutions of the more recent past. The post 14 Surprising Projections on the Future of Banking appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Banking Trends 43

Banking Trends Analysis Trends Branding 43

FICO

FEBRUARY 21, 2020

I jumped into the fray in 2019 by focusing on four areas of tactical concern within consumer banking that I feel bank executives will make significant progress addressing. I wrote an article in Bank Business about the big 3 consumer banking trends I see happening in 2020. How accurate were my predications?

Trends 52

Trends Banking Trends Analysis Lending 52

The Financial Brand

AUGUST 22, 2021

The fast-growing BNPL market, popular with Millennials and dominated by fintechs, is already siphoning billions in revenue from banks. The post Financial Institutions Must Address ‘Buy Now, Pay Later’ Problem Now appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Millennials 43

Millennials Banking Trends Analysis Trends 43

The Financial Brand

AUGUST 3, 2021

The post CEO Reveals Plans for LendingClub’s Unique Fintech+Bank Model appeared first on The Financial Brand - Banking Trends, Analysis & Insights. In this case, voracious loan acquisition is combined with a huge potential for primary checking.

Fintech 43

Fintech Banking Trends Analysis Trends 43

The Financial Brand

SEPTEMBER 12, 2021

The post One Fintech’s Plans Reveal How BNPL Could Spread Further Into Banking appeared first on The Financial Brand - Banking Trends, Analysis & Insights. An inside look at what makes 'buy now, pay later' so hot, from revenue streams to funding – from the perspective of market leader Sezzle.

Banking Trends 42

Banking Trends Analysis Trends Fintech 42

The Financial Brand

AUGUST 10, 2021

The post Innovation and Sheer Marketing Muscle Power Credit Card Battle appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Fintechs and neobanks are adding competition with fresh ideas as major players prepare to spend for share.

Innovation 41

Innovation Cards Marketing Banking Trends 41

The Financial Brand

DECEMBER 13, 2021

The post 9 Pivotal Trends that Will Shape Banking Strategies for 2022 appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Some represent serious operational challenges, others big revenue opportunities.

Trends 41

Trends Strategy Banking Trends Analysis 41

The Financial Brand

JUNE 9, 2021

The post 5 Growth Strategies Financial Institutions Can Use for 2021 and Beyond appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Comparing Covid's impact with the Great Recession reveals ways community institutions can attain a sustainable mix of loan and deposit growth.

Strategy 40

Strategy Banking Trends Analysis Community 40

The Financial Brand

AUGUST 16, 2021

The post This Fintech Lender Has Big Plans to Be More Than ‘Just a Bank’ appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Brex aims to build a vast customer base of small-to-midsize businesses, which it says are underserved by traditional institutions.

Fintech 41

Fintech Banking Trends Analysis Trends 41

The Financial Brand

OCTOBER 13, 2021

appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Financial institutions can't approach the generation that's growing up with BNPL and likes debit cards the same way as Millennials. The post Will Loan Volume Shrivel as Debt-Wary Gen Z Hits Their Borrowing Prime?

Millennials 40

Millennials Banking Trends Analysis Trends 40

The Financial Brand

JANUARY 24, 2022

bank is unsettled by inflation's impact on economic growth and the effect that could have on lending. The post What’s Worrying BofA’s Brian Moynihan in 2022: Wages, Inflation & The Economy appeared first on The Financial Brand - Banking Trends, Analysis & Insights. The CEO of the No.

Banking Trends 29

Banking Trends Analysis Lending Trends 29

The Financial Brand

JULY 5, 2021

The post How Amex + Kabbage Business Checking Will Disrupt the Status Quo appeared first on The Financial Brand - Banking Trends, Analysis & Insights. The offering (which also involves Green Dot) draws on heavyweight marketing and technology expertise targeting the lucrative SMB market.

Banking Trends 39

Banking Trends Analysis Trends Branding 39

The Financial Brand

NOVEMBER 3, 2021

The post Gen Z Stokes Credit Card Growth in Spite of BNPL appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Credit bureau data paints a more detailed picture as new card accounts surge.

Cards 39

Cards Banking Trends Analysis Trends 39

The Financial Brand

JULY 12, 2021

Now 'on-demand' pay kicks it up another notch, and banks are joining in. The post Why Banks & Credit Unions Should Pounce on the ‘Payday Revolution’ appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Banking Trends 40

Banking Trends Analysis Trends Branding 40

The Financial Brand

SEPTEMBER 16, 2021

The post Credit Cards Still Rule, But Face an Existential Threat From BNPL appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Consumers who adopted it during the pandemic say they are likely to continue using it.

Cards 39

Cards Banking Trends Analysis Trends 39

The Financial Brand

SEPTEMBER 26, 2021

Banks must balance pressure to grow consumer credit with the need to monitor payment performance as buy now, pay later trend boosts debt. The post Credit-Hungry Americans Like BNPL, Cards (and Whatever’s Next) appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Cards 38

Cards Banking Trends Analysis Trends 38

The Financial Brand

JUNE 23, 2021

Traditional institutions exploited holes in fintechs' consumer lending model, especially relating to service. The post Fintech Lenders Stumble While Banks and Credit Unions Gain appeared first on The Financial Brand - Banking Trends, Analysis & Insights. But technology is still key.

Fintech 27

Fintech Banking Trends Analysis Lending 27

The Financial Brand

AUGUST 18, 2021

The post Millennials’ Fading Homeownership Hopes Cloud Mortgage Outlook appeared first on The Financial Brand - Banking Trends, Analysis & Insights. New data confirms many of this group seek larger living space, yet Covid has added extra hurdles that mortgage lenders must understand.

Millennials 37

Millennials Banking Trends Analysis Trends 37

The Financial Brand

OCTOBER 5, 2021

The post Big New Entrants Turn Buy Now, Pay Later Wave Into a Tsunami appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Mastercard's entry into the BNPL fray, following Square, Goldman and others, could alter the dynamics of what has been a fintech playground.

Banking Trends 38

Banking Trends Analysis Trends Branding 38

The Financial Brand

JUNE 21, 2021

The post Will Long-Term Effects of Deposit Surplus Speed Banking Consolidation? appeared first on The Financial Brand - Banking Trends, Analysis & Insights. A situation few predicted has financial institutions large and small scrambling to manage a historic imbalance between loans and deposits.

Banking Trends 37

Banking Trends Analysis Trends Branding 37

The Financial Brand

DECEMBER 9, 2021

The post BofA Wades Into High Net Worth Battle with New Rewards and Card Offers appeared first on The Financial Brand - Banking Trends, Analysis & Insights. The megabank rolled out a key enhancement to its loyalty program and launched a slick new card — both aimed at high net worth consumers.

Cards 38

Cards Banking Trends Analysis Trends 38

The Financial Brand

JUNE 13, 2021

The post What Financial Institutions Must Know About Inflation Right Now appeared first on The Financial Brand - Banking Trends, Analysis & Insights. A concept most working bankers know only as something out of college economics books looms as a serious risk.

Banking Trends 36

Banking Trends Analysis Trends Branding 36

The Financial Brand

OCTOBER 27, 2021

The post Evaluating Credit Card Profitability: Fee vs. Interest Income appeared first on The Financial Brand - Banking Trends, Analysis & Insights. A complex mix of revenues and expenses is not always understood by financial institutions, which can turn card programs into profit drains.

Cards 36

Cards Banking Trends Analysis Trends 36

The Financial Brand

SEPTEMBER 1, 2021

The post 4 Essential Habits of High-Performing Loan Officers appeared first on The Financial Brand - Banking Trends, Analysis & Insights. With the mortgage market expected to contract, it's vital that financial institutions employ best practices supported by efficient platforms.

Banking Trends 36

Banking Trends Analysis Trends Branding 36

The Financial Brand

DECEMBER 5, 2021

The post Why Capital One’s Move Won’t Be the Death of Overdraft Fees appeared first on The Financial Brand - Banking Trends, Analysis & Insights. The action has emboldened legislators and regulators to try and abolish OD fees altogether.

Capital 36

Capital Banking Trends Analysis Trends 36

The Financial Brand

DECEMBER 1, 2021

Here's a sustainability crash course for banks and credit unions. The post Banks Can No Longer Ignore Climate Change (And Here’s Why) appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Banking Trends 35

Banking Trends Analysis Course Trends 35

The Financial Brand

OCTOBER 18, 2021

The post People Who Used Hardship Plans Turn Out to Be Good Source for Loans appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Cash-rich consumer lenders looking for additional borrowers may not have to look as far afield as they think.

Banking Trends 35

Banking Trends Analysis Trends Branding 35

The Financial Brand

FEBRUARY 3, 2022

The post Why Consumers Don’t Think BNPL Is ‘Debt’ (and Why That Matters) appeared first on The Financial Brand - Banking Trends, Analysis & Insights. What traditional lenders can learn from the buy now, pay later purchase of a $2,000 Givenchy little black dress.

Banking Trends 35

Banking Trends Analysis Trends Branding 35

The Financial Brand

AUGUST 15, 2021

The post New Borrowing Options Raise Stakes for Consumer Credit Exponentially appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Financial institutions seeking to capitalize on a borrowing surge face headwinds from fresh rewards offers and novel installment plans.

Banking Trends 34

Banking Trends Analysis Trends Capital 34