Sat.Feb 08, 2025 - Fri.Feb 14, 2025

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Current Loan Pricing Trends for 1Q 2025

South State Correspondent

In the 4 th quarter of 2024, commercial loan pricing has materially changed. The new administration with its lighter regulatory stance, the potential for tax relief and threat of higher inflationary has generated new optimism for credit, and new risk of higher rates. In this article, we quantify commercial loan pricing trends from our Loan Command data that will hopefully help community banks price more effectively and win more profitable business.

Trends 195
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The evolution of AI & lending: Parallel journeys shaping the future

Abrigo

Banks & credit unions use technology to solve challenges AI today is the result of decades of research and development. In the same way, FIs have consistently leveraged data and technology to solve challenges and serve communities better. This article covers these key topics: The evolution of AI Lending: A legacy of data-driven innovation Generative AI in lending: The next frontier Abrigo's approach to AI Parallel journeys of AI, banking technology Artificial intelligence (AI) is often heral

Lending 221
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Payment tools proliferate, consolidation looms

Payments Dive

“The winners in this consolidation won't necessarily be the biggest players,” writes a checkout technology company CEO. “They'll be the ones who understand that consumers don't want more payment options — they want better ones.

Tools 312
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Why do government bond yields drift when news is on its way?

BankUnderground

Danny Walker, Dong Lou, Gabor Pinter and Semih sl Government bond yields tend to drift higher in the days before monetary policy or data news in the UK. Over the past two decades this tendency which we label pre-news drift has pushed up on yields by 2 percentage points in total over that period. The drift concentrates in pre-news periods that coincide with the issuance of UK government bonds, which is more common than it used to be.

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Leverage Trellis Court Data To Identify More Investment Opportunities

Finance teams find Trellis to be particularly effective in conducting comprehensive due diligence on both individuals and businesses. With our court data solution, financial experts can access critical litigation insights, making it an invaluable resource for informed decision-making in the financial sector.

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Online Account Opening

Jeff For Banks

Online account opening remains the wild west for most community banks. In so many strategy sessions, I hear from bankers that it is a bust. They get more fraudsters than customers. This was the background as I attended Bank Director's Acquire or Be Acquired (AOBA) conference. And naturally I was keenly interested in how to solve this problem, or even diagnose what exactly is the problem, for community banks and online deposit account opening, either retail or business.

Online 96

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Pay of Barclays CEO more than doubles to £10.5m as profits soar

TheGuardian

Other top performers at group share 1.9bn bonus pool while 90,000 employees awarded 500 each in shares Business live latest updates The pay of Barclays chief executive has more than doubled to 10.5m, as a rebound in investment banking and steady interest rates helped push the UK banks annual profits up by almost a quarter. CS Venkatakrishnans payout is one of the largest for a Barclays boss, having risen from 4.6m a year earlier in 2023.

Groups 91
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How Do I Find Reliable Hard Money Lenders for Commercial Real Estate?

Commercial Lending USA

Find reliable hard money lenders for commercial real estate. Learn key factors, avoid pitfalls, & secure fast financing. Contact Commercial Lending USA today!

Lending 52
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Redefining Banking at Bank Director's Acquire or Be Acquired

William Mills

Last month, I had the privilege of attending Bank Director s Acquire or Be Acquired Conference in Phoenix, Arizona. In terms of the caliber of C-level bankers, it was easily one of the best events Ive attended in years. With nearly 2,000 attendees, I estimate that over 1,200 were senior-level bankers and their board members, all actively engaged in the conversations.

Phoenix 59
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Will the bonus bubbly still flow as reality bites for British banks?

TheGuardian

Job losses, shakeups and the motor finance commission scandal will cast a shadow over lenders when they start reporting results this week The fortunes of Britains biggest lenders may well be reflected by a mix of celebratory champagne and commiserative pints by next week, as bankers with an eye on their bonus assess the fallout from a patchy earnings season.

Report 51
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State of AI in Sales & Marketing 2025

AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.

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6 Digital Payment Trends Set to Transform 2025

Perficient

The rapidly evolving payments industry is driving industry leaders to adapt their strategies in response to emerging trends. As technology advances and consumer expectations shift, staying ahead of these trends is crucial for success. Payments Trend #1: AI-Driven Payment Innovations The landscape of payments and financial services in 2025 will be marked by groundbreaking innovations and user-centric designs powered by Generative AI (GenAI).

Trends 221
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Improve loan decisioning: 5 ways to serve small businesses better

Abrigo

Are outdated processes impacting your loan decisioning? Community financial institutions have the expertise and local ties to support small businesses, but outdated processes and risk-averse approaches often slow down their loan decisioning. Meanwhile, fintech lenders offer fast approvals, attracting small business borrowers despite high interest rates.

Lending 195
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Discover flags potential Cap One merger delay

Payments Dive

Discover Financial Services said it now expects the transaction to be completed by May 19, three months later than initially expected as the companies await regulatory approvals.

Company 368
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Smarter Banks and Smarter Data Management

Gonzobanker

Torture the data, and it will confess to anything. Ronald Coase It has been a while since anybody at Cornerstone has seen a strategic or IT plan that has NOT said, We will become more data-driven. Product design/pricing, investments, marketing strategies, and almost everything else require some sort of data element. However, financial institutions have found that they are facing a more complex environment for their data strategy every year.

Data 78
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Book of Secrets on the Month-End Close

Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.

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NatWest wants to raise CEO’s maximum pay by more than 40%

TheGuardian

Paul Thwaite could earn up to 7.7m, and move comes as bank prepares to return to full private ownership NatWest wants to increase its chief executives maximum pay by more than 40%, as the banking group prepares to return to full private ownership 17 years after it was bailed out by taxpayers during the 2008 financial crisis. The high street lender, previously known as Royal Bank of Scotland, paid its chief executive, Paul Thwaite, 4.9m in his first full year in the role in 2024, shy of his maxim

Groups 88
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Fossicking in the dark or twenty-twenty foresight?

BankUnderground

Rishi Khiroya and Lydia Henning If you asked people what skill they would most love to have, you might receive answers like ‘to fly’, ‘to be invisible’ or even ‘predicting the future’ If you asked people who worked in financial markets in particular, ‘accurately predicting the future’ would probably be top of the list.

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FIS acquires Demica, Dragonfly

Payments Dive

Fidelity National Information Services has been buying up businesses as it seeks to expand, especially in providing services to chief financial officers and in the digital arena.

National 340
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Survey: Bank customer experience as important as products, services

ABA Community Banking

Nearly nine in 10 people say customer experience is just as important as a banks products and services, according to a recent survey. Asked why they left their primary bank, concerns over security was the top reason cited. The post Survey: Bank customer experience as important as products, services appeared first on ABA Banking Journal.

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The Role of Automation in Commercial Lending

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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Rachel Reeves says ‘no one raised concerns’ about her expenses at HBOS

TheGuardian

Science secretary calls BBCs reporting totally inaccurate after claim chancellor was investigated by former employer Rachel Reeves has defended herself and said it would be up to the public to judge her on her record as chancellor, after a BBC investigation raised questions about her job history and expenses. In her first comments since claims emerged that she was the subject of an investigation into her expenses while working at Halifax Bank of Scotland (HBOS), the chancellor said no one ever r

Report 82
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Master account policy tweak signals Fed shift toward crypto

American Banker

Federal Reserve Chair Jerome Powell said reserve banks will no longer factor "reputational risk" into master account decisions. The crypto industry is encouraged by the commitment, but says more changes are needed.

Policies 101
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Wise to close Tampa office, cut 300 employees

Payments Dive

The fintech will shutter its Florida location in November, with layoffs starting in April. Wise will consolidate Americas teams in Austin, New York and São Paulo.

Tampa 332
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DOGE recommends terminating CDFI Fund contracts

ABA Community Banking

A team led by Elon Musk is recommending that the Treasury Department cancel hundreds of contracts funded through its Community Development Financial Institutions Fund, according to an alert by the CDFI Coalition. The post DOGE recommends terminating CDFI Fund contracts appeared first on ABA Banking Journal.

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Outsource With Confidence for RDC Program Success

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.

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Reeves has ‘dealt with any issues that arise’ from career in retail banking, Starmer says

TheGuardian

PM responds to new report claiming chancellor misused expenses and included inaccuracies on her CV UK politics live latest updates Rachel Reeves has dealt with any issues that arise from her career in retail banking, Keir Starmer has said, after claims the chancellor misused expenses and made inaccuracies on her CV. Reevess career history has been called into question after a BBC investigation revealed the amount of time she worked at the Bank of England was nine months less than she claimed an

Retail 85
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Reforming Fannie and Freddie is overdue, but must be done carefully

American Banker

The government-sponsored enterprises were not meant to remain in conservatorship permanently, but privatizing them once again must include a new set of rules that minimize market disruptions and maximize their focus on making homeownership affordable.

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PayPal dinged over branded service’s slow growth

Payments Dive

Consumer uptake of the payments pioneer’s flagship payments tool was lackluster last year. The company promised skeptical analysts more growth this year.

Branding 312
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Community Bankers Council Chair Jennifer Jones blazes a trail in the Palmetto State

ABA Community Banking

'Banking offers a unique opportunity to be both an agent of change and a trusted pillar in the community.' The post Community Bankers Council Chair Jennifer Jones blazes a trail in the Palmetto State appeared first on ABA Banking Journal.

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The GTM Intelligence Era: ZoomInfo 2025 Customer Impact Report

ZoomInfo customers aren’t just selling — they’re winning. Revenue teams using our Go-To-Market Intelligence platform grew pipeline by 32%, increased deal sizes by 40%, and booked 55% more meetings. Download this report to see what 11,000+ customers say about our Go-To-Market Intelligence platform and how it impacts their bottom line. The data speaks for itself!