Thu.Mar 27, 2025

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How to document and defend CECL qualitative factors

Abrigo

Document and be able to defend qualitative factors under CECL Financial institutions need to be able to explain and show how they developed Q factors for their allowance for credit losses. Modifications to the CECL calculation should be reasonable, supportable, and audit-ready. Key topics covered in this post: What are qualitative factors under CECL?

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Utah governor signs EWA law

Payments Dive

The state joins a pack of others that have passed industry-friendly laws seeking to oversee earned wage access providers and their services.

Utah 298
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Access to EU investment is reason enough to face down the Brexiters | Letter

TheGuardian

Brian Unwin highlights just how much long-term financing has been lost through leaving the EU. But Fawzi Ibrahim says sovereignty is priceless Polly Toynbee ( Rachel Reeves is all about growth. So why wont she admit that Brexit is its worst enemy?, 25 March ) demonstrates conclusively how much self-inflicted economic damage the UK is suffering from Brexit.

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CFPB nixes filing in case tied to Electronic Funds Transfer Act

Payments Dive

The bureau’s brief was withdrawn because it “advances an interpretation of the law that has never been embraced by any federal court prior.

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Leverage Trellis Court Data To Identify More Investment Opportunities

Finance teams find Trellis to be particularly effective in conducting comprehensive due diligence on both individuals and businesses. With our court data solution, financial experts can access critical litigation insights, making it an invaluable resource for informed decision-making in the financial sector.

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Fintechs Could Win the Post-CFPB Sweepstakes

Gonzobanker

Bankers need to prove they can self-regulate to support the trust they need to stay relevant. Bankers nationwide risk getting overly boastful with all the enthusiastic high-fiving around the water cooler, celebrating the expected death of the Consumer Financial Protection Bureau. No more TRID! Adios to the Qualified Mortgage Rule! Dust off that resume, all you lovely enforcement officers.

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How UX/UI Drives Growth for Credit Unions

SWBC's LenderHub

Why UX/UI is more than just a design choice For credit unions and financial institutions, providing excellent customer service has always been a priority. However, in todays digital landscape, the way members interact with financial services is evolving rapidly. The quality of these interactions whether through mobile apps, online banking, or payment platforms determines whether members remain engaged, satisfied, and loyal.

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Tracking the price of carbon: price substitution effects across energy markets

BankUnderground

Dooho Shin and Rebecca Mari The Bank of England Agenda for Research (BEAR) sets the key areas for new research at the Bank over the coming years. This post is an example of issues considered under the Financial System Theme which focuses on the shifting landscape and new risks confronting financial policymakers. Carbon pricing has emerged as one of the main mitigation measures adopted around the world to fight climate change.

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City trader jailed for Libor rigging says he was convicted in a ‘morality trial’

TheGuardian

Tom Hayes tells supreme court hearing that the jury in 2015 was guided by a judge who had made his mind up about me The City trader jailed for Libor rigging in 2015 has said he believes he was convicted during a morality trial of bankers conduct, as he concluded his fight to clear his name at the UKs highest court. Speaking after a three-day hearing at the supreme court in London on Thursday, Tom Hayes said his original conviction a decade ago was a reaction to the 2008 financial crisis and a ju

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Master the Four Levels of USPs [VIDEO]

The Emmerich Group

What if you can use extreme differentiation to get 150 basis points or more on the loan side and improve your deposit pricing at the same time? If you’re the kind of leader who feels strongly that you cant follow the herd and believes that net interest margin compression is inevitable, you’re going to love this. Or if you have some lenders who get premium pricing but are frustrated that others still fall back to rate matching, you’ll want to watch this.

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State of AI in Sales & Marketing 2025

AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.

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Senate votes to nullify CFPB overdraft rule

American Banker

The Senate voted 52-48 to overturn the Consumer Financial Protection Bureau's rule that would cap overdraft fees at many banks at $5.

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Fipto gains ACPR licence for stablecoin payments

The Paypers

French blockchain-based stablecoin payments provider Fipto has obtained a Payments Institution licence from the Prudential Control and Resolution Authority (ACPR).

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RBC plans mortgage expansion under revised US strategy

American Banker

Royal Bank of Canada executives said they plan to start originating more mortgages in the United States, and they indicated that they may ditch the City National Bank brand.

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Circle expands USDC adoption in Japan following regulatory approval

The Paypers

Circle Internet Group, a global financial technology firm, has announced an increased focus on the Japanese market through its subsidiary, Circle Japan KK.

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Book of Secrets on the Month-End Close

Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.

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There's nothing scary about positive sales cultures

American Banker

Healthy sales cultures that encourage more personal conversations are productive cultures that create more attuned bankers and happier, better-served customers.

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Fidelity Investment to roll out stablecoin

The Paypers

Asset manager Fidelity Investment has announced its plans to roll out its stablecoin, further advancing its position in digital assets as the US outlines a regulatory framework for the crypto sector.

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Robinhood unveils plans for new banking products

American Banker

The trading app provider has debuted wealth management services, and will be rolling out banking and new AI-powered investment tools later in the year.

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Itaú Unibanco launches foreign exchange solutions

The Paypers

Itaú Unibanco has announced the launch of its foreign exchange solutions, enabling instant payment in foreign currency directly through the app.

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The GTM Intelligence Era: ZoomInfo 2025 Customer Impact Report

ZoomInfo customers aren’t just selling — they’re winning. Revenue teams using our Go-To-Market Intelligence platform grew pipeline by 32%, increased deal sizes by 40%, and booked 55% more meetings. Download this report to see what 11,000+ customers say about our Go-To-Market Intelligence platform and how it impacts their bottom line. The data speaks for itself!

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Capital infusion pulls Patriot National back from the brink

American Banker

The Connecticut bank disclosed that Nasdaq waived a shareholder approval requirement so it could urgently raise more than $50 million. Patriot also said its finance chief would step down.

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Primer adds J.P. Morgan Payments to its platform

The Paypers

Primer integrates J.P. Morgan Payments into its platform, enabling merchants to access expanded payment capabilities and optimise transaction processes.

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Small business revenue dropped in 2024, Fed survey finds

American Banker

For the first time in four years, more small businesses reported a drop in income than an increase, according to a survey by the 12 regional Federal Reserve banks.

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Juspay expands Hyperswitch payment platform to the US and Europe

The Paypers

Juspay has introduced Hyperswitch, an open-source payment orchestration platform, in the United States, Europe, and the United Kingdom.

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Demo SkyStem’s Award Winning Month-End Close Solution & Earn $100

Is your finance team bogged down by endless data requests and disorganized spreadsheets during the month-end close? It’s time to consider a better option – automate with ART! SkyStem’s solution works alongside your ERP to transform the close and account reconciliation process and speed up month-end work. Explore SkyStem’s ART - the award-winning account reconciliation automation platform - and receive a $100 Amazon gift card as a thank you for your time.

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Content creators, banks use AI to waste scammers' time

American Banker

Scambaiting, which started as a genre of YouTube content, is now a full-blown tech tactic with support from Australia's biggest bank.

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Atoa integrates with Xero to optimise payments for UK businesses

The Paypers

Atoa , an Open Banking-enabled payments provider, has integrated with Xero to allow UK businesses to optimise how they get paid and minimise fees with Instant Bank Pay.

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The Role of Credit Insurance in Supporting Uninsured and Underinsured Americans

SWBC's LenderHub

Credit insurance serves as a crucial financial safety net for many individuals, especially in times of uncertainty. It is designed to protect borrowers from the financial repercussions of life events such as losing a job, disability, or death, affecting their ability to repay debts. While traditional insurance, such as life and health, is critical for mitigating risks in daily life, payment protection whether credit insurance or debt cancellation helps cover specific debts, offering a lifeline

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Tirana Bank partners with Backbase for digital banking upgrade

The Paypers

Tirana Bank has entered into a strategic partnership with banking technology provider Backbase to enhance its digital banking services.

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5 Ways You Can Win Faster with Gen AI in Sales

Incorporating generative AI (gen AI) into your sales process can speed up your wins through improved efficiency, personalized customer interactions, and better informed decision- making. Gen AI is a game changer for busy salespeople and can reduce time-consuming tasks, such as customer research, note-taking, and writing emails, and provide insightful data analysis and recommendations.