PYMNTS

AUGUST 13, 2020

For those that are struggling, the current market climate has heightened the demand for agile systems that support the employee experience and offer the flexibility to adapt to new needs and demands. But among the largest value-adds of on-demand wage access is its ability to harmonize the human capital management strategy.

Capital 277

Capital Retail Strategy Management 277

South State Correspondent

JANUARY 16, 2025

Lesson 1: Generate Operating Leverage to Produce Capital If there is a single lesson in banking that decides success in all areas of performance, it is this sell more profitable products to more profitable customers to the point where your bank generates a consistent risk-adjusted return above its cost of capital.

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Capital Management Groups Operations 195

South State Correspondent

APRIL 16, 2025

The Current Market The combination of the trade war, DOGE and immigration has caused a high level of uncertainty that has ushered in volatility. Conversely, loans to companies with more volatile earnings, fixed rates loans without prepayment penalties, and limited secondary markets, the surface starts to rise sharply.

Management 195

Management Lending Groups Capital 195

Payments Dive

MARCH 22, 2024

More than 30 organizations demanded the deal not be subject to expedited federal review and that public hearings be held in the largest lending markets for both Capital One and Discover.

Capital 195

Capital Lending Marketing 195

Payments Dive

MARCH 26, 2024

Dominated by Visa and Mastercard, card network markets “sorely need an injection of competitive rivalry,” Capital One argued in its application to regulators to purchase Discover.

Capital 195

Capital Regulation Cards Marketing 195

Gonzobanker

DECEMBER 5, 2024

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 Fast forward to September, and in steps Veritas Capital. Together, both deals show that digital isnt hitting a lull, but rather ramping up speed for future growth.

Digital Banking 165

Digital Banking Capital UX Innovation 165

PYMNTS

JANUARY 19, 2021

While the coronavirus crisis certainly accelerated the drive toward digital, the mid-market's commerce digitization push was well underway before the pandemic hit. With B2B eCommerce proliferating, the market is rapidly evolving to make way for new business and payment models in response to customer demand. Emerging Business Models.

Online 275

Online Marketing Payments Operations 275

Gonzobanker

DECEMBER 5, 2024

Two deals that especially took us by surprise were Candescent’s (the artist formally known as NCR Voyix) acquisition by Veritas Capital in September for $2.45 Fast forward to September, and in steps Veritas Capital. Together, both deals show that digital isn’t hitting a lull, but rather ramping up speed for future growth.

Digital Banking 78

Digital Banking Marketing Capital Georgia 78

Perficient

OCTOBER 27, 2022

The FRB and FDIC are looking to improve financial stability by limiting contagion risk ( the spread of an economic crisis from one market or region to another) by reducing the likelihood of uninsured depositors suffering loss. Current Capital Requirements. The current long-term debt calibration for U.S. of total leverage exposure.

Capital 275

Capital Regulation FDIC Regional 275

Abrigo

NOVEMBER 13, 2024

Businesses' working capital cycles are longer. 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. Leveraged has improved since 2019. Nearly all U.S.

Lending 221

Lending Meeting Data Risk Management 221

South State Correspondent

FEBRUARY 12, 2025

On a risk-adjusted return on equity basis, banks moved their target from 16% that held for most of last year, to now looking at a 20% risk-adjusted return on capital (RAROC). Why many banks assumed four rate cuts at the end of 2024 and start of 2025, the market, and hence most banks) are now assuming zero to two.

Trends 195

Trends Community Bank Capital Industry 195

PYMNTS

SEPTEMBER 7, 2020

Despite the pandemic, venture capital dollars are flowing freely to nascent firms in Asia that are tackling the need for contactless interactions and platforms that match supply and demand — setting the stage for innovation on the other side of the public health crisis.

Capital 298

Capital Regional United States Meeting 298

South State Correspondent

APRIL 2, 2025

The move shook the markets, threatening to upend much of the architecture of the global economy and fueled broader trade wars. The forward markets are now grappling with pricing the Feds response to potential consequences of a prolong trade war. Volatility will surely spike and markets will be unsettled.

Community Bank 221

Community Bank Community Policies National 221

Perficient

SEPTEMBER 29, 2020

In August, we surveyed 154 marketing executives to find out what they think is likely to happen this holiday season and how they’re preparing for it. I’m the Principal for the Digital Marketing Solutions Business Unit here at Perficient. What will be different this holiday season and how to adjust your strategy accordingly.

Marketing 294

Marketing Branding Data Industry 294

South State Correspondent

MARCH 3, 2025

Germain Depository Institutions Act of 1982 enabled thrifts to offer money market accounts and expand lending powers, fostering competition with banks. Unfortunately, many banks were not equipped to manage deposit volatility as they got in a rate war for money market accounts and Super Now accounts. The Garn-St. of C&I lending.

FDIC 195

FDIC Trends Management ATM 195

South State Correspondent

JULY 24, 2024

There have been many a banker who has said they want to offer a high-yield account because the “higher interest expense is just like paying marketing costs.” However, the majority of customers require a referral, a marketing effort and a sales effort to bring them in the door. The economics look something like the below.

South Carolina 417

South Carolina Marketing Capital Idaho 417

Perficient

JULY 8, 2021

The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks can lend to households and businesses even in a severe recession. The 23 large banks tested remained well above their risk-based minimum capital requirements. Test Results.

Capital 309

Capital Exercises Analysis Lending 309

PYMNTS

DECEMBER 7, 2020

Despite a surge in sales, small businesses selling online can struggle to manage working capital, particularly as many rely on third-party marketplaces like Amazon that don't facilitate instant access to revenues. Digital commerce is a capital-intensive business model, he said, and keeping pace with buyer demand puts a strain on finances.

Capital 356

Capital Online Tools Lending 356

PYMNTS

NOVEMBER 19, 2020

Venture capital cash has been flowing this year to companies that plan to buy up sellers on Amazon and help them grow. million in venture capital this month; FBA Heroes , which netted a $65 million seed round, also this month; and Thrasio , which announced it had raised $260 million in July.

Capital 281

Capital Marketing Branding Groups 281

Chris Skinner

JULY 23, 2020

Things we’re reading today include … Ex-Barclays banker’s sexist comments about Amanda Staveley released Ant Group announces plans to list in Shanghai and Hong Kong Banks lose out to capital markets when it comes to credit provision A shift from paper to virtual cash will empower central banks What are … The post Things worth (..)

Capital 346

Capital Groups Marketing 346

Accenture: Banking

JANUARY 23, 2022

The market turmoil of 2020-2021, along with an unprecedented surge that has renewed a focus on retail investors, has pushed direct investing platforms into the spotlight. However, during the pandemic we witnessed the union of social (media, communities and group action) and capital (saving and trading) as….

Retail 359

Retail social media Customer Experience Community 359

South State Correspondent

MARCH 24, 2025

There have been few times in modern memory when small businesses and middle market companies faced so much uncertainty in the market. Building new facilities, relocating existing locations or partnerships are all now common conversations, particularly for middle-market customers.

Risk Management 195

Risk Management Resources Management Marketing 195

Bank Innovation

JANUARY 30, 2020

The searchable web platform allows investors to research and invest in “opportunity zones,” or areas in need of economic development, where investors get tax breaks for investing their capital gains. It’s a market-driven approach to […].

Taxes 329

Taxes Tools Capital Marketing 329

Bank Innovation

APRIL 23, 2020

AvidXchange is eyeing additional acquisitions and scalability after scoring an additional $128 million in equity capital on the heels of its $260 million funding round in January, CEO Michael Praeger told Bank Innovation. The company automates invoicing and outgoing payments for the B2B market.

Charlotte 293

Charlotte Capital Software Innovation 293

PYMNTS

NOVEMBER 20, 2020

Chipper CEO Ham Serunjogi confirmed on Twitter the startup, which got its initial foothold in the market as a peer-to-peer (P2P) payments service, has just wrapped up a $30 million Series B round of venture capital. Ribbit Capital, a VC firm in the U.S. that focuses on early-stage firms, led the investment round.

Fintech 332

Fintech San Francisco Capital cryptocurrency 332

Payments Dive

JUNE 9, 2023

Bank failures and macroeconomic challenges have made capital markets challenging to navigate, Affirm CFO Michael Linford said.

Capital 284

Capital Marketing 284

Perficient

FEBRUARY 16, 2021

In 2020, the Federal Reserve found that large banks were generally well-capitalized under a range of hypothetical events. The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks are able to lend to households and businesses even in a severe recession.

Exercises 309

Exercises Capital Analysis Operations 309

South State Correspondent

OCTOBER 4, 2023

If you want to grab a material amount of new deposit balance, offer a 5.05% money market rate, post it all over Instagram, and sit back and watch the money roll in. In this article, we will show you 15 proven deposit marketing campaigns that will rack up deposit-gathering wins while building a high-performing bank in the process.

Marketing 195

Marketing Taxes Training Management 195

PYMNTS

NOVEMBER 16, 2020

While this partnership model remains popular, market volatility has once again created a need to connect more SMBs to capital as quickly and efficiently as possible. This market climate may have also opened up the doors to another wave of SMB lending competition between traditional and alternative players.

Lending 289

Lending Technology Capital Meeting 289

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.

Marketing 59

Marketing Policies Industry System 59

Abrigo

JANUARY 24, 2025

Understanding broad market trends and the specific forces affecting bank and credit union portfolios can guide institutions decisions while helping them prepare for examiner scrutiny of CRE risk , according to a recent Abrigo webinar, Being strategic with your CRE. Managing their current risk is vital, too.

Lending 221

Lending Trends Risk Management Management 221

Perficient

DECEMBER 14, 2020

The COVID-19 pandemic has challenged the economic and labor markets, impacting all businesses regardless of their size. If your organization is looking to capitalize on cloud technology in 2021, here are a few trends to keep in mind. The Public Cloud Market Will Surge. Cloud-Native Technology Will Power Digital Transformations.

Technology 348

Technology Trends Software Resources 348

Abrigo

FEBRUARY 1, 2023

This change in approach introduces new variables in the interest rate projections that for decades have been a non-issue as we were effectively in a 0% interest rate market. Markets move in unpredictable ways when least expected. This happens when market expectations are for a reduction in inflation or a flight to safety.

Marketing 195

Marketing Strategy eBook Management 195

South State Correspondent

MAY 22, 2024

As can be seen below, the net result, based on CoStar data, is that we expect office rents to continue to fall and capitalization rates to continue to rise until late 2025, should the economy remain stable. Because of strong corporate earnings and substantial employment, the office market is getting a reprieve from a full-fledged downturn.

Lending 195

Lending Marketing Philadelphia San Francisco 195

Abrigo

FEBRUARY 26, 2025

Leverage customer insights for targeted marketing Understanding the needs of different customer segments allows banks to tailor deposit products and marketing strategies effectively. Banks can attract new deposits by: Providing competitive interest rates on savings, money market accounts, and certificates of deposit (CDs).

Community Bank 195

Community Bank Community Strategy Analytics 195

South State Correspondent

JANUARY 26, 2025

It would make no sense to risk the banks capital without adequate compensation. There are three main considerations that bankers need to analyze to determine if the risk/reward profile of fixed rate loans is adequate in todays market. Therefore, in todays market banks maximize yield and minimize risk by keeping loan duration short.

Community Bank 195

Community Bank Community Lending Marketing 195

PYMNTS

NOVEMBER 24, 2020

FinTech STAX, a capital-raising platform that accepts both dollars and cryptocurrency, helped WCA raise the funds. “We Using cryptocurrency in capital raises opens the Australian market up to overseas investors, STAX CEO Kenny Lee said, according to CoinDesk, a “hard” market for them to get into. “It

Bitcoin 339

Bitcoin Lending cryptocurrency Capital 339