Remove Capital Remove Marketing Remove US
article thumbnail

Zero-day options and financial market vulnerability

BankUnderground

Their flexibility, low premia and underlying leverage appeal to all market participants ranging from conservative investors hedging against intraday market volatility to aggressive traders speculating for quick profit generation. The improved market conditions have encouraged both market participation and innovation.

Marketing 124
article thumbnail

Managing the Risk Surface of a Loan Given Tariffs

South State Correspondent

The Current Market The combination of the trade war, DOGE and immigration has caused a high level of uncertainty that has ushered in volatility. Tools like the US Trade Tariff Exposure matrix from IBISWorld help us manage the potential future outlook for each industry thereby allowing banks to adjust credit allocation and pricing.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Afterpay US CEO: Buy Now, Pay Later Is In Right Place, Right Time

PYMNTS

customers, he said Afterpay has become as much of a marketing channel for its retail partners as it is a financing tool. After Capital One’s decision this week to halt future credit card linkage to BNPL plans because of concerns that they carry risks consumers don’t understand, Molnar said the mandate will not hurt Afterpay.

US 322
article thumbnail

The resilience of small businesses: Insights for lenders

Abrigo

Businesses' working capital cycles are longer. Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. Longer working capital cycles drive line utilization Businesses are holding inventory longer (81 days in 2023 vs. 72 in 2019) and extending receivables (31 to 41 days).

Lending 221
article thumbnail

You Need to Understand These Reasons for Bank Consolidation

South State Correspondent

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
article thumbnail

Here Is How To Calculate Your Bank’s Cost Of Capital [Calculator]

South State Correspondent

the As interest rates go back up and volatility continues to remain high, banks’ cost of capital has undergone a significant shift up. Your cost of capital is essential to know for several reasons. Produce over your cost, and you will be able to attract more capital. Why Calculate Your Cost of Capital?

Capital 195
article thumbnail

The Digital Banking Market Is Lit With Lumin and Candescent: So What?

Gonzobanker

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.