Perficient
AUGUST 16, 2023
Background On Friday, July 28, Heartland Tri-State Bank of Elkhart became the fourth U.S. bank to fail this year. A rather small bank, as of the end of its first quarter, the bank reported $139 million in total assets and $130 million in total deposits in its FDIC Call Report. Heartland Tri-State began operations in 1985 under the name First National Bank of Elkhart.
Jack Henry
AUGUST 15, 2023
In a recent survey of more than 200 bank and credit union CEOs, 95% of respondents said they plan to enhance their lending capabilities over the next two years. Priorities diverge sharply and predictably between banks and credit unions given their differences in commercial versus consumer focus. For banks, digitizing loan applications and implementing a single, end-to-end loan platform for commercial and retail lending take precedence.
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American Banker
AUGUST 14, 2023
About two-thirds of respondents in a survey of roughly 300 Bloomberg terminal users said the anti-ESG movement that started in the U.S. last year will force firms to stop using those three letters in conversations with clients.
Payments Dive
AUGUST 14, 2023
With the rising global adoption of digital payments, businesses that leverage digital value will better connect with customers and accelerate revenue growth.
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Join us in this webinar, where we share best practices on how to think about the reconciliation work each month, when best to do reconciliations, how they should be prepared, and some common pitfalls to avoid. Learning Objectives: This course objective is to understand how to properly prepare and review balance sheet reconciliations and its impact on the financial statements.
South State Correspondent
AUGUST 16, 2023
If you were ever to pay attention to the consumer, the time is now. Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. We recently met with TransUnion, one of the sharpest firms we know when it comes to consumer credit, along with a half-dozen banks, to uncover the data and insights in
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
CFPB Monitor
AUGUST 16, 2023
Two new developments occurred yesterday in the Texas lawsuit challenging the CFPB’s final small business lending rule (Rule). First, the Texas federal district court granted the unopposed emergency motion of Texas First Bank (Texas First), Independent Bankers Association of Texas (IBAT), and Independent Community Bankers of America (ICBA) seeking leave to intervene in the lawsuit. .
South State Correspondent
AUGUST 15, 2023
Since our last update on 2Q credit HERE , 3Q commercial loan pricing trends start with a better economic picture as higher than-planned growth and softer inflationary data have changed part of the market’s outlook. The fear of recession has decreased in 3Q, and the new primary concern shifts back to interest rate risk and deposit cost management.
Jack Henry
AUGUST 14, 2023
Learn about the importance balance between fraud prevention and user experience in digital applications in our newest Fintalk Blog.
Perficient
AUGUST 14, 2023
Ready for your Google Optimize sunset replacement? Strategies for Seamless Migration and Accelerated Experimentation Growth The upcoming Google Optimize sunset has made it crucial for businesses to find reliable replacements. In today’s data-driven environment, the functionality of data experimentation tools is paramount. Relying on A/B testing tools for measuring and enhancing website optimization is key to increasing user satisfaction and conversion rates.
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Treasury teams at community banks face an ongoing challenge of delivering frictionless customer experiences as they support treasury products – especially RDC. This infographic focuses on the efficiencies community banks gain when partnering with a proven managed services provider. You’ll see the advantages you can gain when a managed services partner leverages online tools, skilled customer and technical support personnel, and fulfillment and logistics capabilities to streamline RDC fulfillment
Payments Dive
AUGUST 16, 2023
The retail sector drove overall card spending growth, but average ticket sizes have dipped due to declining inflation, Fiserv said in its latest consumer spending report.
CFPB Monitor
AUGUST 14, 2023
On August 4, 2023, the U.S. Department of Justice (“DOJ”) released its highly anticipated proposed changes to the regulations implementing Title II of the Americans with Disabilities Act (“ADA”). Title II prohibits state and local governments from discriminating against individuals with disabilities. The regulations aim to increase accessibility of websites and mobile applications by clarifying how these public entities can meet their ADA obligations on a technical level. .
ATM Marketplace
AUGUST 15, 2023
The ATM industry, typically a fairly conservative industry, has been experiencing major changes this year. One such change is NCR's separation into two companies. Let's take a closer look at what this means for the industry.
Realwired Appraisal Management Blog
AUGUST 18, 2023
The term “digital transformation” has been a buzzword in the banking sector for quite some time. While the industry has largely embraced technology, particularly in areas such as lending and fintech, there is one sector that often gets overlooked: the appraisal department.
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Amid market uncertainty, banks and credit unions are faced with critical decisions about the future of their commercial lending. With fluctuating interest rates and rising competition from non-bank lenders, it's critical to allocate your 2025 budget strategically to optimize lending operations. Our Budget Playbook for Commercial Lenders delivers key strategies to help you navigate these challenges, ensuring your institution is well-positioned for the coming year.
Payments Dive
AUGUST 14, 2023
Long-time Intuit executive Alex Chriss will lead the digital payments pioneer and join its board, as Dan Schulman steps down and plans to leave the board next year.
Bussman Advisory
AUGUST 17, 2023
Join our community of 50,000+ subscribers and stay informed on the latest trends and news in the FinTech & AI world with the weekly newsletter provided by Bussmann Advisory. Gain insights into disruptive technologies, industry updates, and success stories from our portfolio companies. This week’s must-know stories: PayPal’s new CEO faces these 3 big challenges Meta, OpenAI, Anthropic and Cohere A.I. models all make stuff up Sotheby’s sued over Bored Ape NFT sales Plus, 9 mo
BankUnderground
AUGUST 17, 2023
Harvey Daniell and Andre Moreira The latest developments in the labour market are often central to monetary policy decisions. We outline a framework for mapping labour market indicators to near-term employment and pay growth, drawing on established insights from the ‘nowcasting’ literature. The key benefits of our approach are: the ability to map a range of ‘soft’ and ‘hard’ indicators of different frequencies to quarterly official data; the empirical determin
ATM Marketplace
AUGUST 18, 2023
This year attendees will experience innovation across banking, retail, hospitality and the restaurant spaces firsthand at the jointly held Bank Customer Experience Summit and Interactive Customer Experience Summit in Charlotte, North Carolina.
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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
Payments Dive
AUGUST 18, 2023
“Intuit has decided to compete on payments rather than partner,” Bill CEO Rene Lacerte told analysts Thursday.
BankInovation
AUGUST 16, 2023
HSBC Global Head of AI for Commercial Banking Edward J. Achtner will join the Bank Automation News webinar Global Ideas for Better Banking AI on Thursday, Sept. 14, at 11 a.m. ET. Achtner leads HSBC’s Office of Applied Artificial Intelligence with a focus on the development of responsible AI.
BankUnderground
AUGUST 16, 2023
Kim Nyamushonongora and Oscar Spencer 99.9% of UK businesses are small and medium-sized enterprises (SMEs), employing 61% of the UK population. Yet, we know so much more about large businesses, how they function and particularly how they finance themselves. SMEs have been referred to as the backbone of economies around the world. Therefore, SME’s access to finance is systemically important.
CFPB Monitor
AUGUST 17, 2023
Rally Credit Union, the Credit Union National Association, and Cornerstone Credit Union League (Credit Union Intervenors) have filed a joinder to the motion for preliminary injunction filed by Texas First Bank, Independent Bankers Association of Texas, and Independent Community Bankers of America (Community Bank Intervenors) in the Texas lawsuit challenging the CFPB’s final small business lending rule (Rule).
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With automation, you’ll reduce errors and save valuable time, allowing you to focus on what really matters: strategic analysis and insightful decision-making. Picture accurate financial reports ready at your fingertips, giving you the confidence to tackle business challenges head-on. Embracing automation not only boosts productivity but also elevates your role from number cruncher to closing rockstar.
Payments Dive
AUGUST 14, 2023
The card issuer appointed board member John B. Owen as interim CEO and president on Sunday, effective Monday.
Jack Henry
AUGUST 18, 2023
With the downward pressure on retail revenues and widespread deposit attrition, serving SMB's effectively has never been more important. Learn more.
BankInovation
AUGUST 15, 2023
AI has joined the fight against bank fraud, and further enhancements to the technology are helping financial institutions monitor risk.
CFPB Monitor
AUGUST 17, 2023
We recently reported that the Kentucky Bankers Association and several Kentucky banks filed a lawsuit against the CFPB in the U.S. District Court for the Eastern District of Kentucky alleging that the CFPB’s final small business lending rule (Rule) is invalid because, among other reasons, the CFPB is unconstitutionally funded. We expressed surprise that the plaintiffs chose that path instead of seeking leave to intervene in the lawsuit challenging the Rule that was filed by the American Bankers
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Community banks seek ways to leverage their technology infrastructure to drive productivity and growth. However, the sheer volume of technology devices, capital constraints, and lack of skilled resources stand in the way. This Strategy Brief explores how a managed device services partner can help bridge this resource gap. Managed device services partners empower community banks to take charge of mission-critical device management activities with: Logistics and installation services to support se
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