South State Correspondent
NOVEMBER 6, 2024
The spectacle that is Money 20/20 went down last week, and it did not disappoint. Money 20/20 is likely the conference with the lowest conference-attendee-to-session-attendee ratio in the industry. The conference is all about sales, partnerships, and deal-making, with 2024 being right at the baseline. This year was less exuberant than 2022 but more strategic than any year we can remember in the past.
South State Correspondent
NOVEMBER 4, 2024
Over the last few years we have published various articles on the pros and cons of commercial loan prepayment provisions, how those prepay provisions impact marketing and sales, loan prepayment speeds, and the relationship between prepayment provisions and customer return on equity (ROE) (some of the recent articles are here , here , and here ). We are seeing more community banks incorporating prepayment provisions in commercial loans (especially for fixed-rate pricing).
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ATM Marketplace
NOVEMBER 5, 2024
TCRs have been around for a few decades now at this point, and they have evolved significantly since then. Here are four key facts to know about these machines.
Abrigo
NOVEMBER 4, 2024
Ongoing monitoring is more than just a regulatory requirement Suspicious activity monitoring is a cornerstone of a robust AML/CFT program, as emphasized in the FFIEC BSA Examination Manual. This critical function helps protect the U.S. financial system from misuse for money laundering, terrorist financing, and other financial crimes. Both FinCEN and federal banking regulatory agencies mandate ongoing monitoring for suspicious activity as part of the overall AML/CFT program.
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Payments Dive
NOVEMBER 5, 2024
“It's going to be up to us to move instant payments from being novel to being normal,” Federal Reserve Financial Services’ chief payments executive told attendees at a major industry conference last week.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
South State Correspondent
NOVEMBER 4, 2024
Over the last few years we have published various articles on the pros and cons of commercial loan prepayment provisions, how those prepay provisions impact marketing and sales, loan prepayment speeds, and the relationship between prepayment provisions and customer return on equity (ROE) (some of the recent articles are here , here , and here ). We are seeing more community banks incorporating prepayment provisions in commercial loans (especially for fixed-rate pricing).
ATM Marketplace
NOVEMBER 8, 2024
Erin Cohee, VP of user experience and business development at OneUnited Bank to learn more about top banking trends from the perspective of the largest Black-owned bank in the U.S.
Payments Dive
NOVEMBER 8, 2024
The digital payment company’s leader, Jack Dorsey, aims to create lending services that will appeal to millions of U.S. adults who haven’t had access to other forms of credit.
Perficient
NOVEMBER 8, 2024
Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything from the potential for consumer and institutional fraud to algorithmic discrimination and AI-enabled cybersecurity risks.
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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.
Jeff For Banks
NOVEMBER 5, 2024
Bank Director Magazine recently came out with its Ranking Banking report for 2024. The analysis was performed by Piper Sandler using the following criteria: "The report uses year-end 2023 data from S&P Global Market Intelligence. It uses four metrics to gauge the performance of public commercial and savings banks as defined by S&P. The metrics are core return on average assets and core return on average equity, tangible common equity to tangible assets, and nonperforming assets to loans
Jack Henry
NOVEMBER 4, 2024
Discover how AI can support and enhance your bank’s or credit union’s mission and values. Read the blog to learn insights and planning steps.
Payments Dive
NOVEMBER 7, 2024
The president-elect and his new administration will have the opportunity to revamp federal government approaches for everything from earned wage access to digital currencies to open banking.
Perficient
NOVEMBER 4, 2024
Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything from the potential for consumer and institutional fraud to algorithmic discrimination and AI-enabled cybersecurity risks.
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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.
BankBazaar
NOVEMBER 4, 2024
Choosing a paid Credit Card can enhance your financial well-being through superior rewards, exclusive perks, and improved customer service – often making it worth the annual fee. Are you grappling with the decision of whether to opt for a paid Credit Card with an annual fee or a lifetime-free card? While the allure of a no-fee Credit Card is understandable, there are several compelling reasons why a paid Credit Card may offer better long-term benefits.
American Banker
NOVEMBER 8, 2024
The Pittsburgh-based superregional bank plans to build more than 200 new branches in 12 states by 2029, twice the number it announced in February, in a bid to increase scale.
Payments Dive
NOVEMBER 6, 2024
Sunil Sachdev, Fiserv’s head of embedded finance, shed light on his company’s latest high-profile collaborations.
TheGuardian
NOVEMBER 5, 2024
His premium was £1,920 and I can’t get Sainsbury’s Bank to cancel the policy My dad FH passed away in July, and, since then, I have been trying to cancel his car insurance with Sainsbury’s Bank. I wrote to explain the situation, but it didn’t act on the letter or scan his interim death certificate. When I managed to speak to someone, in mid-September, it promised to cancel the policy and contact the underwriter to see if a refund could be backdated.
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Remote Deposit Capture (RDC) clients are more likely to use additional treasury services and maintain larger deposits. However, poor customer experiences—particularly if they delay deposits—can compel RDC clients to take their business elsewhere. This eBook makes the case for outsourcing RDC operations to a proven managed services partner. This approach helps Treasury Departments with limited resources provide excellent client experiences that result in higher retention and productivity rates.
The Paypers
NOVEMBER 4, 2024
South Korea-based KakaoBank has announced its partnership with SCBX in order to open an internet bank for clients and users in the region of Thailand.
American Banker
NOVEMBER 6, 2024
An uptick in fines associated with anti-money-laundering failures demonstrates that U.S. banks still have much work to do in terms of optimizing their internal systems to identify and stop the flow of dirty money.
Payments Dive
NOVEMBER 4, 2024
Some of the corporate investors are also partnering with the accounts payable and receivable company they’re backing.
TheGuardian
NOVEMBER 8, 2024
Customers who get hardship assistance often fall into arrears again once the reprieve ends. Critics blame a ‘cookie-cutter’ approach by the banks Get our breaking news email , free app or daily news podcast Patricia makes sure her cats are properly fed, but rarely spends much money on herself. “I’m scrimping as much as I can, and I’ve sold a few household items to try to meet my mortgage repayments,” the 68-year-old says.
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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.
The Paypers
NOVEMBER 3, 2024
Affirm , a payment network that supports consumer purchases and merchant growth, has announced the launch of its pay-over-time options in the UK.
American Banker
NOVEMBER 7, 2024
The Synapse failure and recent enforcement actions make it clear that fintechs need to up their regulatory compliance game. At the same time, they have an opportunity to help shape future rules.
Payments Dive
NOVEMBER 5, 2024
If the Justice Department were to block the Capital One-Discover deal while also going after Visa, “they’d be intellectually inconsistent,” a George Mason University law professor said.
TheGuardian
NOVEMBER 5, 2024
Report looked into donations to Nottingham universities by Jesse Boot, who expanded pharmacy chain The high-street pharmacy Boots’s links to the transatlantic slave trade have been revealed in new research that shows how the proceeds of enslavement became entangled with British capitalism. Jesse Boot, the son of the company’s founder, expanded the chemist with the help of banks and premises linked to slavery.
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