Independent Banker

DECEMBER 31, 2022

Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. Multiple re-presentment fees. Debit card interchange fees and routing. The Federal Reserve Board finalized updates to the board’s rule for debit card transactions.

Compliance 100

Compliance FDIC Community Bank Community 100

Abrigo

JANUARY 30, 2024

Attendees return from ThinkBIG energized and informed so they can continue positively impacting their institutions and, more importantly, their communities. Abrigo is a leading provider of software and services that help more than 2,400 financial institutions manage risk and drive growth in a rapidly changing world.

Conference 195

Conference Arizona Phoenix Fraud 195

PYMNTS

JULY 14, 2017

The firm showed traction in its loan book, mobile efforts and credit card portfolio. consumer remains healthy, evidenced in our strong underlying performance in Consumer & Community Banking. Looking at the total book, management guided core loan growth to eight percent going forward year over year. The company earned $1.82

Cards 109

Cards Mobile Community Bank Conference 109

Independent Banker

AUGUST 31, 2016

As chip cards become standard, counterfeit card fraud in the U.S. Here are five ways to fight fraud in the wake of the widespread deployment of EMV chip cards. Card-not-present fraud will likely rise, especially online. Communication is key. By Terry Dooley. But we know scammers can simply switch strategies.

Cards 70

Cards Fraud Iowa Security 70

PYMNTS

NOVEMBER 2, 2020

While much has been written about India’s vast unbanked population — roughly one-eighth by the World Bank’s estimates — the more important issue to really look at is how much of India ’s population is under banked , Mandar Agashe , founder, managing director and vice chairman of Sarvatra Technologies told Karen Webster.

Fintech 210

Fintech ATM Community Bank Cards 210

Jeff For Banks

JULY 13, 2023

BofA), claiming, among other things, that BofA opened credit card accounts for new customers without their consent. But can it be for the community banks that would covet the customers that make up the $1.9 It was Respondent’s practice to obtain consumer reports in the course of considering consumers for new credit cards.

Cards 78

Cards Community America Community Bank 78

PYMNTS

NOVEMBER 13, 2020

Managing inventory, B2B payments and a plethora of food and beverage vendors can be a headache for any kind of restaurant, bar or retailer. Despite a growing community of FinTech solutions geared toward the industry, managing invoices and B2B payments remains a challenge. Managing The Invoice.

Industry 219

Industry Payments Retail Regulation 219

PYMNTS

OCTOBER 22, 2019

This developing world of payments and the fierce competition offered by non-traditional providers of financial services presents big challenges to smaller and community banks – those financial institutions (FIs) with less than $10 billion in assets. Those operations manage and own 50 percent of [U.S. Deposit Trends.

Community Bank 116

Community Bank Community Operations Leadership 116

PYMNTS

SEPTEMBER 3, 2020

with cash — and consumers are even starting to ditch plastic cards. Companies have had to adjust their inventory management practices, and in many cases amid lockdowns and shutdowns have had to look for alternative vendors. Cash will always have a place among consumers — but its use is dwindling. Security Is Top Of Mind .

Payments 262

Payments Security Millennials Retail 262

PYMNTS

DECEMBER 22, 2020

The combination of manageable credit delinquencies and a growing position points to FIs having a healthier year than might have seemed apparent just a few months ago — even as consumers navigate getting vaccines and returning to everyday life. They've simplified their offerings to include straightforward, very competitive products.”.

Cards 308

Cards Maine Millennials Course 308

Independent Banker

DECEMBER 31, 2021

Consumers are increasingly interested in buy now, pay later products, which are cutting into credit card usage. Here’s what community banks need to know about these products and how they can take advantage of this model. It may be easier to use a credit card if a consumer isn’t certain that they will keep the product.”.

How To 91

How To Community Bank Community Lending 91

South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. Bank management is hyper-focused on net interest margin. Expense control, loan growth targets, managing cost of funds and customer acquisition dominate executives’ time. Why is that? These banks have all taken a longer view.

How To 195

How To Strategy Capital Lending 195

PYMNTS

NOVEMBER 19, 2020

Evidence suggests that one of the most effective ways they can continue to engage their member bases is to roll out personalized services, such as financial management and budgeting tools, card management options and targeted marketing initiatives.

Alabama 228

Alabama Meeting Fraud Trends 228

PYMNTS

DECEMBER 15, 2020

On one hand, this can present an advantage to the market: Businesses are not weighed down by the legacy of years-old technologies and processes that create inefficiencies in other industry. Retailers were being approached by sales reps, inventory was being managed on white boards and sales were in spreadsheets," Gordon said.

Industry 277

Industry Retail Payments Tools 277

FICO

JUNE 23, 2022

The Role of Data in Managing Fraud and Financial Crime Today. Here are the highlights from the fraud management data discussion I had at FICO World 2022 with Julie Conroy, Head of Risk Insights and Advisory at Aite-Novarica Group. Unified policies and procedures, and shared governance structures, present the next level of integration.

Fraud 52

Fraud Management Data Compliance 52

Abrigo

JANUARY 18, 2017

As anyone advising business owners knows, clients are often so busy with day-to-day operations and management that they find it tough to gain a big-picture view of certain financial aspects, such as cash flow. Ecommerce sites : Even if the business already has a website, can sales be generated through it?

Technology 150

Technology Cards Software Payments 150

Abrigo

FEBRUARY 27, 2020

They are routinely experiencing processes that add costs, delay turnaround times, and can lead to inconsistency in pricing and risk management. The list goes on, and we haven’t even gotten into creating closing documents or credit presentations.

Lending 243

Lending Survey Data System 243

Gonzobanker

FEBRUARY 16, 2016

In 2015 we saw some major payments themes come to fruition with EMV/chip cards and tokenization. I recommend the following five mandates be on payments managers’ focus list this year: 1. Institutions that don’t have a payments manager should hire one. billion on incentives to card issuers and merchants.

Management 60

Management Payments Cards Regional 60

PYMNTS

DECEMBER 30, 2020

“The B2B buyer is rapidly evolving and becoming more sophisticated, and, in turn, expectations are shifting [toward purchasing] with their payments of choice,” Anjali Shah , director of client management for online merchants at American Express, told PYMNTS in the February 2020 B2B eCommerce report , a collaboration with American Express.

Online 302

Online Meeting Payments Fintech 302

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

Idaho 163

Idaho Community Industry Strategy 163

South State Correspondent

JANUARY 4, 2023

For any banker looking for clarity, we present five New Year’s resolutions, no matter your size, that provide a roadmap to accomplish both the short and long-term objectives of a top-performing bank. For 2023, banks need to prioritize interest rate risk management and credit accuracy as a top priority. Conclusion.

Community Bank 195

Community Bank Capital Marketing Lending 195

Gonzobanker

DECEMBER 1, 2022

With the increased usage of debit and credit cards, the rise of eCommerce, and the push for mobile payments, cash has undoubtedly been in decline. The as-a-service model gives banks just one vendor to manage and one invoice for the entire channel. Banks whose fleets resemble more of the latter are probably past due for an upgrade.

ATM 147

ATM Resources Management Capital 147

Jeff For Banks

APRIL 4, 2024

You couldn't go to a conference without every presenter having millennial this or millennial that on their slide decks. Although shadow banking mostly serves larger corporations, think money market funds buying commercial paper, bankers fear the trend will continue going downstream to more traditional community bank customers.

Banking Trends 111

Banking Trends Trends Millennials Oregon 111

PYMNTS

OCTOBER 22, 2020

Second, AR professionals working from home could no longer run credit cards from their desks or accept paper checks in the mail. For Billtrust , the current market climate presented an opportune moment to go public and further the B2B payments education of the business community. Fostering Education. And that's just not true.".

Payments 224

Payments Strategy Cards Data 224

PYMNTS

OCTOBER 8, 2019

come from all over the world, though Latin America and Asia are the leading contributing portals, and they work in every vertical – though migrant workers more often work in service sector jobs than management positions. The first of those community centers will be in Houston, home to both Majority and Rebtel’s U.S. headquarters.

Community 126

Community United States Meeting Houston 126

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., The grassroots of community and regional banking will no longer be vanilla operations geographically focused. An arms race in marketing and digital cannot be ignored.

Fintech 162

Fintech Customer Experience Conference Technology 162

PYMNTS

MAY 7, 2020

And often, drilling down into business segments and management commentary provides insight into just how we as a nation are faring, depending on where you look. Larger full-service restaurants opened community markets to sell raw ingredients, produce and food staples through online stores,” he said. The Cash Need.

Maine 141

Maine Online Capital Retail 141

PYMNTS

OCTOBER 8, 2019

come from all over the world, though Latin America and Asia are the leading contributing portals, and they work in every vertical – though migrant workers more often work in service sector jobs than management positions. The first of those community centers will be in Houston, home to both Majority and Rebtel’s U.S. headquarters.

Community 116

Community United States Meeting Houston 116

PYMNTS

AUGUST 24, 2018

Recent days have brought the debut of the “first mobile-enable lottery card” in the state, according to the companies behind the card, Linq3 and Blackhawk Network. The product combines the gift card with the lotto entry, and here’s how it works, according to statement announcing the launch. Lotto and Payment Cards.

Ohio 103

Ohio Mobile Cards South Carolina 103

PopularBank

AUGUST 20, 2021

90 Recipients of the 2021 National Puerto Rican Day Parade Scholarship Program Learn How to Manage Their Finances. They also gained an overview of banking products, such as checking accounts, CDs, or money market accounts, and could then manage or save their money in smarter ways. Building financial confidence.

Puerto Rico 96

Puerto Rico National ATM Management 96

PYMNTS

NOVEMBER 23, 2020

Perhaps for this reason a great many are staying close to their CUs for the sense of comfort and community they offer. Credit unions should use data to identify member preferences and how they can position cards and other offerings to meet their evolving needs. Plus, CUs are doing more with digital. Careful With That Data, But Use It.

Study 140

Study Data Course Community 140

PYMNTS

DECEMBER 23, 2016

Here is the response from Steven Cole, Senior Product Manager, EMV, Vantiv … Payments 2016: The Year Of The Chip. With the EMV liability shift taking effect in October 2015, the part of the merchant community in the United States that hadn’t migrated to EMV saw chargebacks for counterfeit card fraud skyrocket.

Payments 100

Payments eBook Fraud Cards 100

Independent Banker

MAY 2, 2016

At The Bank of Tioga, we preserve the local touch and serve our clients and communities well. We ignite prosperity in all the communities we serve through community reinvestment, lending to local businesses, and providing educational opportunities for the community and our employees. The Bank of Tioga. Tioga, N.D.

North Dakota 70

North Dakota Community Bank Community Risk Management 70

Independent Banker

DECEMBER 13, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Share of community banks and credit unions offering the following mobile banking features and functions: 84%.

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

NOVEMBER 24, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Share of community banks and credit unions offering the following mobile banking features and functions: 84%.

Community Bank 70

Community Bank Boston Community Iowa 70

BankBazaar

APRIL 13, 2023

Presenting , ‘ T he Jungle Book – The F inance S equel! ’ If you are someone who chooses to handle your finances with the right Credit Card , you have already won because of all the daily benefits attached to it! This includes financial advisors, mentors, and a community of like-minded individuals who can offer guidance and support.

Strategy 78

Strategy Cards US Resources 78

Independent Banker

OCTOBER 29, 2014

Big-brand megabanks, the Visa and MasterCard networks, and big-box merchants had signed up to become partners with Apple’s universal retail smartphone app that uses Near Field Communication and tokenization technologies. So where do ballyhooed mobile banking and payments developments among the biggest players leave community banks?

Mobile 105

Mobile Community Bank Community Technology 105