South State Correspondent

JULY 25, 2022

Last week we discussed how lenders might use swaps, caps, floors, and collars to help borrowers manage borrowing costs. We outlined how the market values swaps and volatility instruments (like caps and floors), and we reviewed the fundamental reasons for how and why these hedging instruments are applied to commercial loans. In this article, we will provide some guidance that lenders may apply to position, price, and compare swaps, caps, floors, and collars for their borrowers.

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Payments Dive

JULY 26, 2022

The e-commerce juggernaut said it’s offering a new digital wallet service to its sellers and planning to roll it out more broadly over the “next few months.

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Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. You might also like this webinar, "How to Position Yourself for High-Yielding Ag Loan Growth." WATCH. Takeaway 1 The economic and financial outlook for U.S. farmers is even more unpredictable than in recent years.

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CFPB Monitor

JULY 25, 2022

Overdraft and NSF fees remain very much on the radar of the CFPB, the federal banking agencies, and certain state banking agencies. The very fact that the CFPB continues to closely monitor bank call reports with respect to overdraft and NSF fee revenues demonstrates the Bureau’s ongoing focus on this issue. While we do not expect the CFPB to launch a rulemaking to curb certain practices, we do anticipate that the Bureau will closely scrutinize overdraft and NSF practices during examinations an

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South State Correspondent

JULY 25, 2022

Over the past several years, bank investors have been hungry to hear about growth and expansion. Revenue and growth have fueled bank multiples. Now, the tone is markedly different. We have poured through the recent 2Q earnings releases, spoken with a rash of institutional bank investors, traded thoughts with analysts, and compiled the following list of concerns that bank stakeholders (employees, shareholders, vendors, and regulators) now have.

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SWBC's LenderHub

JULY 28, 2022

I'd like to welcome you to the first of a series of conversations I will be having with real estate and real estate lending professionals regarding diversity, equity, and inclusion within our industries. I believe strongly that inclusion and equity can be strong drivers of change in an area of lending that needs to evolve.

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Cisco

JULY 26, 2022

It’s Blockbuster Night! Say that to any Gen-Xer and it should bring a smile and recollection of days gone by. Netflix took Blockbuster by storm and grew from mail order DVDs to the streaming behemoth they are today. One day, will we reminisce about brick and mortar financial services companies being replaced by digital-first financial services companies like Alipay, Block, Grab, Klarna and Paypal?

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ATM Marketplace

JULY 29, 2022

The banking industry has had to make significant adjustments in recent years in response to both the COVID-19 pandemic and changing economic and customer expectations. The Bank Customer Experience Summit, being held from Aug. 31 to Sept. 1 in Chicago, will cover all aspects of current innovations in banking.

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Payments Dive

JULY 25, 2022

The leader of the Electronic Payments Coalition tells people looking to blame credit and debit card companies for higher gas prices to find a different scapegoat.

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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

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BankUnderground

JULY 27, 2022

Jack Worlidge. Purchases of government bonds have been a prominent tool that has helped central banks meet inflation objectives when short-term interest rates have been constrained by their effective lower bounds. But how does QE work? There are a range of channels through which QE can/might operate, though there remains uncertainty over the relative size and importance of these channels.

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ABA Community Banking

JULY 25, 2022

A recent survey of community bank leaders found that nearly all believe that a recession is just around the corner, with more than half of respondents blaming the Federal Reserve. The post Community bank execs see recession in near future appeared first on ABA Banking Journal.

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Bobsguide

JULY 28, 2022

• TS Imagine Chief Transformation and Data Officer, Thomas Bodenski, appointed as COO. New York, 27 July 2022 – TS Imagine , a global leader in trading, portfolio, and risk management solutions for capital markets, has appointed Thomas Bodenski as COO as the firm expands its executive team to support its rapid growth. Based in New York, COO, Thomas Bodenski will lead the firm’s business operations across TS Imagine’s integrated trading, portfolio, and real-time risk solutions.

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Payments Dive

JULY 25, 2022

The partnership allows brands working with Cardless to take advantage of Amex’s benefits, while Amex sees the move expanding the scale of its network.

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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.

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Gonzobanker

JULY 27, 2022

Delivering a better customer experience is not the only way for banks to gain a competitive advantage. There’s a concept in the blockchain world called a hard fork, defined as: “A change to a network’s protocol that makes previously invalid blocks and transactions valid, requiring all users to upgrade to the latest version of the protocol software.”.

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ATM Marketplace

JULY 26, 2022

By utilizing a Cash Discount Program, merchants can save money and pass on those savings to customers.

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TheGuardian

JULY 28, 2022

About 8% of borrowers – 130,000 firms – have so far failed to repay government-backed emergency loans Taxpayers have been left to foot a £421m bill to cover soured Covid debts, after one in 12 businesses defaulted on state-backed emergency loans distributed at the height of the pandemic, official figures reveal. In the first set of figures detailing the performance of government-backed loans offered to struggling firms during the outbreak, the Department for Business, Energy and Industrial Strat

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Payments Dive

JULY 29, 2022

Amid talk of a recession, executives with Visa, Mastercard, American Express and Discover are keeping a close eye on inflation, consumer demand and unemployment levels.

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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

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ABA Community Banking

JULY 27, 2022

The Community Development Financial Institutions Fund is asking for public feedback to refine the criteria it should use to designate “minority lending institutions” as a subset of CDFIs. The post CDFI Fund seeks feedback on criteria for designating ‘minority lending institutions’ appeared first on ABA Banking Journal.

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BankInovation

JULY 25, 2022

After a financial institution has successfully digitized its loan origination and account opening system, improving the user experience is the next step. Engaging users is crucial, Kristiane Mandraki, director of business development and marketing at software developer fintech Praxent, tells Bank Automation News in this episode of “The Buzz” podcast.

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TheGuardian

JULY 27, 2022

CEO says about a fifth of customers have had to adapt spending ‘significantly’ as inflation soars Lloyds Banking Group has revealed it is struggling to boost profits, amid fears that soaring inflation could lead to a jump in defaults on loans and mortgages. The country’s largest mortgage lender, which is considered a bellwether for the British economy, took a £200m charge between April and June as it put aside more money to protect the bank from potential defaults.

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Payments Dive

JULY 27, 2022

Visa’s fiscal third quarter results were buoyed by increased cross-border travel and consumer spending, with no signs of a recession in sight for the largest U.S. card company.

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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.

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Bobsguide

JULY 25, 2022

GFT has been identified as a leader in ISG’s Provider Lens evaluation for Europe – Google Cloud Partner ecosystem data analytics and machine learning 2022. Artificial intelligence could contribute close to USD 16 trillion to the global economy in 2030. Successfully implementing AI solutions has become key for the continued competitiveness of companies in all industries.

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BankInovation

JULY 29, 2022

Americans are leaning into technology to better understand their finances, keep track of their net worth and reach long-term financial goals. People of all ages are leveraging financial apps to manage their money in fact, 58% of Americans surveyed believe that financial apps, including investment, management and banking apps are important factors in achieving their […].

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TheGuardian

JULY 28, 2022

UK bank earmarked money to cover US trade error and potential loan defaults caused by surging cost of living Barclays has revealed a 40% slump in profits after putting aside £1.5bn to cover a US trading blunder and potential customer loan defaults. The UK bank said pre-tax profits tumbled between April and June – from £2.5bn a year earlier to £1.5bn – falling short of the analysts’ consensus forecast of £1.6bn.

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Payments Dive

JULY 29, 2022

A new bill to curb Visa and Mastercard’s dominance of credit payments is likely to rev up a long-time battle between merchants and card companies.

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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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