South State Correspondent
JANUARY 22, 2025
Banks often lose 5% of a loan’s value before a loan is even booked due to interest rate risk in loan pricing. Persistently high inflation and the unknowns in the new administrations implementation of stated policies have translated to rapid increases in long-term interest rates. In a period of rapid change (or high volatility), we see some banks fall into a trap of mispricing their commercial loans.
Perficient
JANUARY 21, 2025
The insurance industry in 2025 is at a pivotal point, with key digital insurance trends leading the charge in transforming how carriers operate and interact with customers. Carriers must innovate, adapt to these changes, and leverage new technologies to maintain a competitive edge. Insurance Trend #1: Building Business Resilience Underwriting actions in response to increased claim frequency and severity are expected to stabilize combined ratios across most property and casualty insurance lines i
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South State Correspondent
JANUARY 22, 2025
As you approach strategic planning season, one topic that will surely come up is your strategy for generative AI (gen AI). Luckily, you can turn to gen AI to help you in your planning, as the strategic process is just one of the many bank processes that bankers can improve with this technology. This article presents our six-step framework for getting started, discusses using AI for strategic planning, and looks at some of its strengths and risks.
Payments Dive
JANUARY 21, 2025
The emerging technology will help merchants process payments faster and provide customers with more ways to pay, those who follow the payments industry say. It will also increasingly offers a defense against rising fraud.
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Why Legacy Lending Workflows Are Costing You More Than You Think Legacy systems and manual workflows might feel familiar, but they come with growing risks—compliance gaps, costly delays, and lost opportunities. This guide breaks down why clinging to traditional processes is no longer sustainable and how automation can help lenders regain control, improve efficiency, and reduce risk across the closing process.
Abrigo
JANUARY 21, 2025
Taking a vacation is often a well-deserved break, but for financial crime professionals, it can trigger significant stress. Fraud and AML/CFT suspicious activity monitoring is a cornerstone of any AML program and a critical part of a financial institutions safety and soundness. However, compliance departments are frequently understaffed. Unexpected disruptions like turnover or family leave can exacerbate an already challenging workload for staff.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Perficient
JANUARY 21, 2025
The insurance industry in 2025 is at a pivotal point, with key digital insurance trends leading the charge in transforming how carriers operate and interact with customers. Carriers must innovate, adapt to these changes, and leverage new technologies to maintain a competitive edge. Insurance Trend #1: Building Business Resilience Underwriting actions in response to increased claim frequency and severity are expected to stabilize combined ratios across most property and casualty insurance lines i
Payments Dive
JANUARY 23, 2025
The payments processor tapped Michael P. Lyons, currently president of PNC Financial Services Group, to succeed CEO Frank Bisignano.
Abrigo
JANUARY 24, 2025
CRE origination, refinancing, and pricing challenges Experts from Trepp and Abrigo describe recent origination and delinquency trends in commercial real estate portfolios. They also share tips for managing risk and pricing. Key topics covered in this post: The big-picture view of CRE from Trepp Trepp bank consortium originations are 58% below pre-COVID averages Rising delinquency rates, especially in specific markets How to manage CRE risk and pricing Changes in the commercial real estate marke
TheGuardian
JANUARY 20, 2025
Bank is considering sale of British business amid mounting frustrations over regulation Business live latest updates Santander has rushed out a note to senior managers after it emerged that the Spanish-owned lender is reviewing the future of its UK business amid mounting frustrations over regulation. The chief executive of Santanders UK corporate and commercial bank, John Baldwin, sent out a memo outlining how to respond to clients and its 21,000 UK staff, who have been rattled by news that the
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ABA Community Banking
JANUARY 18, 2025
Illinois regulators closed Pulaski Savings Bank of Chicago and appointed the FDIC as receiver. Millennium Bank of Des Plaines, Illinois, agreed to assume all deposits and most of its assets. The post Pulaski Savings Bank closed in Chicago appeared first on ABA Banking Journal.
Payments Dive
JANUARY 21, 2025
Fidelity National Information Services blamed a local power loss and hardware failure for the issue, which Bank of Oklahoma said affected more than two dozen financial institutions.
The Paypers
JANUARY 20, 2025
The ECB , together with the Riksbank and Danmarks Nationalbank , have been focusing on an initiative that facilitates instant payments between currencies.
TheGuardian
JANUARY 23, 2025
New deal being considered by board cuts fixed pay but allows for much higher bonuses The Barclays chief executive, CS Venkatakrishnan, could see his maximum pay package rise by 45% to more than 14m, as part of a new deal being considered by the banks board. The high street lender is understood to have written to the banks largest shareholders regarding potential plans to overhaul its pay structures for Venkatakrishnan and its finance chief, Anna Cross.
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ABA Community Banking
JANUARY 23, 2025
The ABA Foundation launched its 2025 financial education campaigns by encouraging U.S. banks and their more than two million employees to participate in these industry efforts. The post ABA Foundation rolls out financial education campaigns amid 100th anniversary appeared first on ABA Banking Journal.
Payments Dive
JANUARY 22, 2025
Despite the 3.5% cut to the payments services company’s headcount, it still plans to increase its total employee headcount to 10,000 by the end of the year, up from 8,200 now.
American Banker
JANUARY 22, 2025
China currently dominates the market for the hardware and software used to mine cryptocurrency. Creating a large federal reserve would expose a major U.S. asset to potential Chinese meddling.
TheGuardian
JANUARY 20, 2025
Credit checks revealed fraud markers against my name, placed by the bank, even though I had never been a customer I have been very badly treated by TSB, even though I have never been a customer. It mistakenly placed three fraud markers against my name, which prompted my bank, Santander, to close all five of the accounts I held with it. This has caused significant financial problems since direct debits and standing orders failed, and I was unable to start a planned house extension.
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The Paypers
JANUARY 19, 2025
1Money has officially launched from stealth mode, unveiling USD 20 million in seed funding to develop its Layer 1 blockchain network designed for stablecoin payments.
Payments Dive
JANUARY 24, 2025
The card company still reported a rise in revenue and a surge in net income, driven partially by an increase in interchange and other fees paid by merchants.
American Banker
JANUARY 21, 2025
Industry players, regulators and law enforcement will need to work together in 2025 to ensure that as Americans increasingly rely on digital payments, the fraudsters trying to take advantage of them are kept at bay.
TheGuardian
JANUARY 22, 2025
Chancellor under pressure from lenders and lobbyists that say huge compensation bill could harm motor finance market The chancellor, Rachel Reeves, has denied that the Labour government is working against consumer interests despite urging the supreme court to avoid handing a windfall to borrowers harmed in the motor finance commission scandal. Reeves has been under pressure from lenders and lobby groups, who have predicted that a huge compensation bill expected to rival the payment protection i
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The Paypers
JANUARY 20, 2025
The European Banking Authority (EBA) and the European Securities and Markets Authority (ESMA) have released a joint report analysing developments in the crypto-asset sector.
Payments Dive
JANUARY 24, 2025
The credit card company’s revenue and net income surged last year as spending by cardholders and card customer additions reached new highs.
American Banker
JANUARY 23, 2025
The era of unchecked AI enthusiasm is giving way to a more measured and deliberate approach. Organizations are beginning to see AI not as a panacea but as a powerful, albeit complex, tool that requires thoughtful implementation.
TheGuardian
JANUARY 21, 2025
Having left the library behind, the once budding academic talks about building JP Morgans UK digital lender from scratch It all started in spring 2019, in a secret office on the seventh floor of JP Morgans London headquarters in Canary Wharf. Tucked behind the bustling staff canteen, at the end of a corridor that snaked past the office gym and in-house doctor, future Chase UK chief executive Kuba Fast was digesting the task ahead of him: helping build a new digital bank from scratch for the Wa
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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.
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