Finer Points
JULY 14, 2014
'Regulatory paperwork continues to occupy far too many community bank resources that could be dedicated to improving local communities, and the problem is only getting worse. A new ICBA survey spotlights the tangible impact of one of the more onerous burdens that is only getting heavier—the quarterly call report. While regulators are proposing to yet […].
Gonzobanker
JULY 28, 2014
'2014 is turning out to be a year in which many financial institutions are considering replacing aging or inadequate loan origination technology. Let’s just get this out of the way right up front: most bankers rank going through a formal system selection process right up there with a trip to the dentist. The biggest difference is that if the system selection is not done properly, the pain lasts a hell of a lot longer.
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Jack Henry
JULY 2, 2014
'Author: Dave Foss, dfoss@profitstars.com. Ten or fifteen years ago, losing a key IT employee might have put some projects at risk, but not the entire bank. The stakes of this game are rising, however, because of increased sophistication of cyber-attacks, regulatory scrutiny around how banks are managing IT environments, and the growing number of governing entities with their fingers in the compliance pie.
Jeff For Banks
JULY 27, 2014
'Summer’s Here We are all thankful that summer has arrived! Heat and humidity! And no one complains! After the brutally cold and stormy winter, stuck in the perpetual polar vortex, no one dares to complain. Our winter mood was brutally apparent in the GDP report that was released for the first quarter of 2014. Actually the report comes out three times with a preliminary report, a revision, and a final report.
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Javelin Strategy & Research
JULY 31, 2014
'It was inevitable really that @Square would have come out with an EMV capable card reader sooner or later. Turns out it was sooner. Yesterday in fact. And in doing so, they answered a lot of lingering questions I had. Notably, how do you move from a business model built around distributing m-POS readers for free to one where the end user would have to pay for the device?
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Fintech Labs Insights
JULY 31, 2014
'I was on a call today with the digital strategy committee of a large U.S. bank. It was clear from their line of questioning that they are grappling with how to prioritize among the many major opportunities on the digital side. I won''t list any of the specific topics here, but you could guess most of them (though one would surprise you I think). But the conversation got me thinking about what I''d recommend for next year if I was working in a bank, credit union or consumer fintech company.
Gonzobanker
JULY 18, 2014
'GonzoBankers! Hope the summer’s been smooth sailing for you. You know, we could do another article this week and get all serious on you. But, dammit, its summertime! Time to relax and laugh at ourselves a bit. This week I want to introduce a new comic about a mythical bank CIO – Brock Thorpe. Brock’s got a lot on his plate, and, well, his patience for vendors is waning.
Jack Henry
JULY 30, 2014
'Author: Jeremy Taylor, JTaylor@jackhenry.com. Patch Management has become a dirty word in the IT industry. That’s mostly because keeping systems updated with the latest patches and security fixes can be a daunting chore. And then when you feel like you finally have a handle on it, here comes an auditor who says otherwise. I’d like to take a look at what some of the common deployment structures look like and what you can do to avoid the dreaded “failed audit.”.
Jeff For Banks
JULY 21, 2014
'A friendly competitor of ours, Anita Newcomb , spoke about strategic planning and economies of scale in banking at the recent Maryland Bankers Association annual convention. She led attendees through the increasing regulatory burden and the need for some level of scale to remain competitive. This got me thinking, if Anita''s premise is correct, that bigger is necessary to compete, then what is bigger?
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Javelin Strategy & Research
JULY 1, 2014
'In three years there will be a movie released, starring Jonah Hill. It’s about an ambitious and successful PR executive for an exciting new electronic payment system called “Ares” that’s set to revolutionize the way that people buy things with their phones. The name choice for the brand is made by a small and forceful CEO with an obsession with Greek mythology and LARPING, played by Danny DeVito.
Social Assurance
JULY 1, 2014
'There is a quote from Woody Allen where he says “80 percent of success is showing up” That quote may leave a sour taste in your mouth, as we grew up under the idea that you can’t just show up to be successful.We recently did a study where we looked into how many banks & credit unions were on social media. What we found was that there were 1,776 banks/1,947 credit unions on Facebook while there were 706 banks/995 CU’s on Twitter.
Fintech Labs Insights
JULY 24, 2014
'I was asked recently what it would take for me to move my business deposit relationship. My immediate answer, "there is nothing you could do to get me to move." We have only changed banks once in our 20-year history, moving to Washington Mutual (now Chase) in 2007, in order to get a better line of credit (which ironically, was never granted, as WaMu was about to go into a death spiral).
Gonzobanker
JULY 7, 2014
'The commercial lending environment at most banks has evolved to a point somewhere between the Dark Ages and Henry Ford’s Model T. Hey bankers – isn’t commercial lending your greatest revenue producing engine? So why do we seem to be going backward instead of forward? But all is not lost. The GonzoBanker Commercial Lending Self-Assessment Checklist is here to help bankers identify the evolutionary status of their commercial lending production engines and determine whether this year’s budget shou
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Jack Henry
JULY 23, 2014
'Author: Kevin Moland, KMoland@profitstars.com. When I was much younger and still single, a coworker of mine gave me some excellent advice about finance and relationships. She had been born and raised in Britain, and I can still hear the lilt of her English accent as she told me, “My old hubby always says, ‘When poverty comes in the front door, love goes out the back.’”.
Jack Henry
JULY 9, 2014
'Author: Lauren Gleim, lgleim@jackhenry.com. This year Facebook celebrated its 10 year anniversary. I can still remember hearing the buzz and being ever-so-resistant to using the site. Questions running through my head, “Why do I need to know what my friends are doing? Why does anyone need to know what I’m doing? Is this a dating site?!” When a close friend moved away for college, I reluctantly joined in December 2006.
Javelin Strategy & Research
JULY 30, 2014
It was inevitable really that @Square would have come out with an EMV capable card reader sooner or later. Turns out it was sooner. Yesterday in fact. And in doing so, they answered a lot of lingering questions I had. Notably, how do you move from a business model built around distributing m-POS readers for free to one where the end user would have to pay for the device?
Social Assurance
JULY 16, 2014
'This year more Americans watched the World Cup being held in Brazil than ever before. Perhaps because it was in a Western timezone or because we believed that we could win. But the thing that has many Americans baffled by this game of soccer is how the biggest countries with the most population and resources don’t always win. In fact, it is often the most fanatical country that wins.
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