South State Correspondent
SEPTEMBER 25, 2014
'If you ever doubted the power of a CEO, consider Jill Castilla, CEO of Citizens Bank of Edmond. Taking over at the start oft his year, she has been quick to change the culture. While the Bank is well regarded for its use in social media, the bigger story here is how a CEO can create an environment of innovation, risk taking and fun.
Abrigo
SEPTEMBER 23, 2014
'As banks are increasingly playing a bigger role in commercial real estate lending, it is more important than ever to ensure proper risk management practices. This is especially true for banks exceeding one or both of the commercial real estate (CRE) supervisory criteria. According to Forbes , U.S. banks are seeing incredibly low loss rates on CRE and construction loans relative to the past six years.
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Celent Banking
SEPTEMBER 12, 2014
'Not too long ago I was at a client event and had the pleasure of trying on Google Glass for the first time. The presentation used a simulation of how it might work to make a payment using the voice commands of the device. I found the experience to be much less intrusive or distracting as I expected, but the applications within banking were still too immature to be useful.
Finer Points
SEPTEMBER 12, 2014
'What a difference a year makes. Last summer I embarked on a media tour of New York City. Joined by ICBA’s media expert, Senior Vice President of Media and Public Relations Aleis Stokes, I met with representatives from several of the nation’s preeminent financial news outlets. It wasn’t exactly a Hillary Clinton book tour, but […].
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SWBC's LenderHub
SEPTEMBER 22, 2014
'Salespeople are just like everyone else; each of them have their own motivation. I guess that is why we''re all made a little different. Otherwise, we would all be robots walking around this Earth. In this post, I will talk about the people aspect, from both an employee level and a sales manager level.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
South State Correspondent
SEPTEMBER 24, 2014
'Yesterday, Walmart, under the brand “GoBank” announced that they will offer checking accounts to anyone over 18 that can pass an identification check. The giant retailer will leverage its partnership with Green Dot Bank and offer a debit card-linked, mobile checking account starting in late October that will cost $8.95 per month for accounts under $500 with a direct deposit (free if over) and $2.95 to set up.
Abrigo
SEPTEMBER 25, 2014
'Steve Jobs. Sergey Brin. Mark Zuckerberg. Each of these individuals, and their companies, are celebrated as changing the face of the technology. They all followed a similar path to success: excelling at one thing and developing that specialty. Jobs knew gadgets, which led to the Mac, the iPod, and the iPad. Brin specialized in search and the result was Google.
Celent Banking
SEPTEMBER 3, 2014
'Rumours of this purchase have being down the rounds for months (I was discussing it in June at EBADay), although the acquirer has only been ever referred to as a “US Vendor” In discussions with clients over the last few months, I’ve highlighted 5 potential suitors (including FIS), and of those, four for very similar reasons. All four have broad FS offerings, but have little or nothing in the core payments space, making Clear2Pay an obvious solution to plug a gap.
Matt Wilcox Pro
SEPTEMBER 17, 2014
'I admit it. I’m an iOS junkie. Okay, okay, I’m an Android OS junkie, too. Call me fickle, but being in the business kind of requires me to be versatile. Last week was nirvana for my iOS side, which was eager to learn about the new iPhone 6 versions and, of course, Apple Watch. The [.
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Gonzobanker
SEPTEMBER 3, 2014
'“We are stuck with technology when what we really want is just stuff that works.”. ?Douglas Adams, the Salmon of Doubt. If I were to go to most bankers today and ask them what one thing they would do to improve their systems environment, a large number would say better integration of the systems they are using. Ten years ago, if I had asked them that same question, the majority probably would have said – hang on to your hats here – better systems integration.
Independent Banker
SEPTEMBER 25, 2014
'A community bank’s practical guide to compliance cost control. By Jim Kisch. When it comes to reducing compliance costs, recommendations typically fall into complicated territory. Few community banks have the luxury of ripping and replacing their entire compliance management strategy, leaving many executives on the hunt for practical tips. Specifically, they seek short-term tactics that will free up funds for margin-increasing activities—like hiring new lending officers, pursuing new marketing
South State Correspondent
SEPTEMBER 21, 2014
'When you are Chief Strategy Officer for a bank, sometimes your work load doesn’t come in neat memos or emails. A lot of stuff just gets dropped off on your desk with notes to “Fix This” or solve that. Fortunately, a lot of these problems are easy to solve.
Abrigo
SEPTEMBER 29, 2014
'With size comes economies of scale. Larger institutions can “scale” to meet challenges that many smaller institutions find hard to handle. Being better equipped to meet regulatory demand comes to mind amidst other advantages: marquee clients, specialized positions, brand recognition, etc. A recent post by Jeff Marisco, author of Jeff for Banks , highlighted trends in efficiency among financial institutions with respect to asset categories.
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Celent Banking
SEPTEMBER 12, 2014
'A somewhat topical post, if mildly parochial, but which serves to highlight something more broadly. On September 18 th , a new nation could be born, as Scotland goes to the polls to vote whether it should become independent from the rest of the UK. The debate has raged for months, if not years. The latest polls suggests a Yes win, with a flurry of activity now from the No camp.
SWBC's LenderHub
SEPTEMBER 26, 2014
'Have you ever asked yourself why people do business with your financial institution? When I ask our clients that question, the answers I get are usually: “We offer low rates on loans and higher rates for savings” “We give exceptional service” “We’re easy to do business with, have online and mobile banking, and offer free checking” These are all great reasons, but when you stop and think about it, aren''t these the minimum standards of doing business?
Gonzobanker
SEPTEMBER 15, 2014
'Well it happened. We knew it was coming. It may have even taken a bit longer than expected but it happened. Never in the history of payments has there been such a media-frenzied, corporate disrupting and consumer-captivating moment as last week’s unveiling of Apple Pay as part of this week’s release of the iPhone 6. Make no mistake – this was a direct “pyrus malus” hit into an entrenched and profitable caste system of payment providers.
Independent Banker
SEPTEMBER 25, 2014
'Anticipating what’s new for your community bank’s next field examination. By Karen Hoffman. Benjamin Franklin famously said that “by failing to prepare, you are preparing to fail.” This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. The better prepared, the less likely they are to run afoul of the continually shifting regulations.
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Have you ever felt the pain and loss of a client suddenly going silent, leaving you questioning everything? Ghosting can cause heartbreak; in business, it drains resources, and emotionally, it shatters your confidence. A modern credit card program can give you the tools to deliver the digital-first experiences your customer’s demand. Our eBook, “5 Signs Your Credit Card Offering Needs an Upgrade,” will help you identify key indicators that your current card platform may be holding you back and w
South State Correspondent
SEPTEMBER 30, 2014
'While it is debatable when the Fed will raise interest rates, we now know we are getting closer. In all likelihood, October marks the end of the Fed’s Quantitative Easing Program and now the question is just how the Fed will reverse a large portion of the $4.4T of investment that sits on our Nation’s balance sheet.
Abrigo
SEPTEMBER 27, 2014
'Women made up a slightly larger share of partners at CPA firms last year than they did the previous year, but there’s still room for improvement, according to industry consultant Marc Rosenberg. The latest Rosenberg Survey , set to be published in mid-December, found that 16.4 percent of partners at the nearly 400 accounting firms surveyed were female, Rosenberg said in an interview.
Celent Banking
SEPTEMBER 10, 2014
'Yesterday Apple announced entering the payments space with Apple Pay, a new way to pay in physical stores and mobile apps. The move was not unexpected – the question of when and how Apply would do something in payments was subject to much speculation in recent months. At Celent we also published a report in March this year called Apple in Payments: What to Expect?
Jeff For Banks
SEPTEMBER 6, 2014
'I learn a lot from bankers and industry experts as I visit their offices, speak to them on the phone or at industry events. Occasionally they will offer an insight that I think my Twitter followers would find interesting. Since I estimate my Twitter community only reads a fraction of their tweet stream, and so many of my blog readers do not follow Twitter, below are selected quotes that I tweeted since version 7.
Speaker: Brian Muse-McKenney, Chief Revenue Officer & Matt Simester, Cards and Payments Expert
In today’s world of social media, dating apps, and remote work, businesses risk becoming irrelevant (or getting "ghosted") if they fail to meet the evolving needs of Gen Z consumers. Credit cards with flexible payment options, especially for young adults with little-to-no credit history, are a particularly important and valuable solution for this generation.
Jack Henry
SEPTEMBER 26, 2014
'Author: Ray Kline, RKline@jackhenry.com. I started my career in banking IT and operations in the late 80s. Over that time I’ve seen a quantum change in IT infrastructure and computing in general. One of my first jobs in IT was numbering punch cards as a proctor in my college’s mainframe operations department. In that job, the biggest fear you had was dropping your box of program cards that may not be numbered already.
Independent Banker
SEPTEMBER 26, 2014
'Helping protect the elderly financial abuse. By Lori Millar. Arecent study published by MetLife Mature Market Institute estimates that the financial loss by victims of elder financial crimes and exploitation is more than $2.9 billion a year with approximately 2 million seniors being exploited. Awareness of elder financial abuse is growing, and community bankers are often relied upon as the front line of defense in the protection of their customers, including as providers of crime prevention edu
South State Correspondent
SEPTEMBER 29, 2014
'For those bankers that wanted to know more about the ATM video teller that we reported about last week in our Bank of Edmond article, we have the inside scoop and have conducted further due diligence for your benefit. The SASI provides customers with the same personalized experience from the ATM as they get in the branch. Co-developed between the Bank of Edmond and NueQ , SASI links the customer to the specialist of their choice - teller, loan officer, mortgage banker or other employee.
Abrigo
SEPTEMBER 26, 2014
'Within the financial industry, the word “regulation” often receives a mixed reaction. Viewed as a necessity by many, it draws opposition from others. Last week, the biggest names in banking addressed their balance sheets, and announced the results of their mid-year stress testing practice. The “big guys” like Citigroup, Bank of America, Wells Fargo and others are required under the Dodd-Frank financial laws to release their findings publicly , as a step to prepare for th
Speaker: Gary Dmitriev
Our upcoming webinar aims to demystify the process of selecting and implementing automation tools for financial institutes. This session will provide your roadmap for vetting potential solutions, focusing on due diligence, vendor assessments, and aligning technology with strategic goals. We’ll also address the critical issue of innovation fatigue, offering tips on maintaining enthusiasm and momentum for new initiatives.
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