South State Correspondent
SEPTEMBER 25, 2014
'If you ever doubted the power of a CEO, consider Jill Castilla, CEO of Citizens Bank of Edmond. Taking over at the start oft his year, she has been quick to change the culture. While the Bank is well regarded for its use in social media, the bigger story here is how a CEO can create an environment of innovation, risk taking and fun.
Abrigo
OCTOBER 25, 2014
'Singer-songwriter Joni Mitchell was referring to environmental impacts when she sang, “Don’t it always seem to go/That you don’t know what you’ve got/Till it’s gone” in "Big Yellow Taxi." But chances are, many accountants have the same thought after a client leaves the practice – especially someone who was with the firm for several years.
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Finer Points
FEBRUARY 6, 2014
'I’m all for outside-the-box thinking. Fresh ideas and brainstorming are as important in community banking as they are in any other business. But sometimes an idea comes along that is so bad—so half-baked and ill-considered—that it should be politely heard…and then squashed outright before it has a chance to gain any traction. In case you […].
Celent Banking
NOVEMBER 12, 2014
'Since the launch of neo-banks like Moven , Simple , and GoBank , financial institutions in the US have been avidly monitoring their popularity. Some have written them off as non-starters; others have praised them as disruptors. In recent months, however, the neo-bank model has hit a few stumbling blocks that call into question the promise of the digital-only model, and gives credence to the sceptics.
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Bank Innovation
FEBRUARY 28, 2014
Welcome to the Bank Innovation Watch List! The Watch List monitors the fintech startups from around the world that could change financial services. Here you’ll find some of the freshest, most innovative fintech startups in the world today. Our global team of industry experts constantly hunts down the newest and most-disruptive technologies.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
CFPB Monitor
OCTOBER 23, 2014
'Richard J. Andreano, Jr. The CFPB has issued a final rule amending certain provisions of the 2013 Title XIV final mortgage rules. While in its press release the CFPB describes the amendments as “minor adjustments to its mortgage rules,” the final rule contains several major changes from the CFPB’s proposal. QM Points and Fees Cure.
Jeff For Banks
JUNE 25, 2014
'Lance Kessler introduced a new subject to the ABA School of Bank Marketing Management (SBMM) this week. Marketing Leadership. A few months ago, he asked me and two other marketing experts to be on a panel for the class. I rejected the moniker "marketing expert". I may be an expert on a couple of topics, but marketing is not one of them. But I applaud Lance and the school for putting a finance and strategy wonk on the panel to get some outside perspectives on how the marketing function can be a
Independent Banker
OCTOBER 29, 2014
'Josh Guttau believes that the long-term competitiveness of community banks will heavily depend on their having great analytical skills and technology. Josh Guttau in Iowa on making decisions with data. Josh Guttau. CEO and Chief Financial Officer. of the $290 Million-Asset. TS Banking Group in Treynor, Iowa. IB: What single word best describes the current community banking industry?
Gonzobanker
MAY 30, 2014
'Gonzo bankers, I get asked who has the best online banking/mobile banking offering a lot. I mean, a lot. Banks and credit unions, struggling with numerous challenges around remote delivery (banking online, mobile banking, mobile remote deposit capture (mRDC), bill pay, etc.), want to know which vendor has the best offering. The trouble is, there is no easy answer to that question when so much of the answer is dependent on the institution’s strategy. .
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Jack Henry
DECEMBER 17, 2014
'Author: Pat True, RTrue@profitstars.com.
South State Correspondent
NOVEMBER 12, 2014
'If you are looking for examples of how banks have to change, stop by Grow Financial Federal Credit Union the next time you are in Tampa and see Natalia Spratlen. Grow Financial FCU presents a nice, open small footprint branch space and creates an environment of high productivity. That is not unusual these days as lots of banks are now redesigning their branches.
Abrigo
OCTOBER 3, 2014
'Comedian and television writer/producer Larry David has said, “I''m not a person who embraces challenges. I run from challenges. I break world records running from challenges.” Humor aside, accountants don’t have the luxury of thinking that way. While accounting was identified as the most profitable industry of the last 12 months , it is not without its challenges.
Finer Points
OCTOBER 17, 2014
'Forget what you think you know about Generation Y. The nation’s millennials—the biggest and most diverse generation of customers in our nation’s history—account for more than $1 trillion in annual purchasing power. And according to ICBA’s recently released 2014 American Millennials and Banking Study, this generation represents a major opportunity for community banks.
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Celent Banking
NOVEMBER 11, 2014
'There is a lot of hype around wearables (smartwatches, fitness bands, etc.) and they may have all kinds of interesting potential. This potential, particularly for banking is still to be determined. However, I believe that there is a great opportunity for certain wearable devices to provide strong authentication and enhance the user experience ( see this blog entry ).
Bank Innovation
FEBRUARY 24, 2014
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SWBC's LenderHub
DECEMBER 4, 2014
'When coaching our financial institution clients on how to sell SWBC’s products (like GAP, MMP, credit life insurance, etc.), our training team encourages participants to provide ongoing feedback. We want to know if the tactics and messaging we taught them worked in a real-life sales situation—and, more importantly, we want to know if they didn’t work.
CFPB Monitor
DECEMBER 1, 2014
'Barbara S. Mishkin The CFPB has announced that it plans to host its first “Research on Consumer Finance” conference in Washington, D.C. on May 7-8, 2015. The announcement includes a call for research papers to be submitted by January 16, 2015. The CFPB seeks complete papers or detailed abstracts that include preliminary results dealing with “the ways consumers and households make decisions about borrowing, saving, and financial risk-taking; how various forms of credit (mortga
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Matt Wilcox Pro
SEPTEMBER 17, 2014
'I admit it. I’m an iOS junkie. Okay, okay, I’m an Android OS junkie, too. Call me fickle, but being in the business kind of requires me to be versatile. Last week was nirvana for my iOS side, which was eager to learn about the new iPhone 6 versions and, of course, Apple Watch. The [.
Independent Banker
NOVEMBER 24, 2014
'ICBA inaugurated its Community Banker of the Year award program this year to recognize the exceptional work of the individual employees of ICBA member community banks. The association accepted nominations online throughout the month of September, allowing anyone to recommend a community banker for consideration. Judging Criteria. More than 400 community bankers were nominated by their colleagues and professional associates for the Community Banker of the Year recognitions.
Banking 2020
DECEMBER 17, 2014
'As 2014 comes to an end, we’ve been reviewing the trends, articles and news that kept us talking this past year and started thinking about what will come in 2015. As readers, you indicated your interest in this year’s top trends on the site including financial regulations on marijuana , banking profitability , online-only banks and the mobile banking revolution.
Jack Henry
NOVEMBER 26, 2014
'Author: Mark Messick, MMessick@profitstars.com. While on vacation recently, I had a moment to reflect on my benefit elections for the upcoming year. For the last several years, we’ve chosen to elect a high deductible plan and put money into an HSA each pay period. It has helped us control costs, but we’ve also been lucky. Lucky that we’ve had no major medical issues or expenses that would have depleted the HSA and left us with a big bill.
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South State Correspondent
NOVEMBER 4, 2014
'Once upon a time there was a bank that was close to failure. It used to be a great bank with branches filled with vibrant customers and earnings as thick as Kansas soil. However, over time customers moved on and the staff started to feel that they had little to offer compared to the largest of banks. This was a bank that was dying a slow death.
Abrigo
SEPTEMBER 23, 2014
'As banks are increasingly playing a bigger role in commercial real estate lending, it is more important than ever to ensure proper risk management practices. This is especially true for banks exceeding one or both of the commercial real estate (CRE) supervisory criteria. According to Forbes , U.S. banks are seeing incredibly low loss rates on CRE and construction loans relative to the past six years.
Finer Points
MAY 13, 2014
'Here in Washington, I hear a lot of talk. People will say just about anything and claim it’s the truth, no matter what the record shows. Well, I’m from the Show-Me State, where actions speak louder than words. U.S. Attorney General Eric Holder recently said that there is no such thing as too-big-to-jail. In a […].
Celent Banking
OCTOBER 21, 2014
'The digital transformation in financial services is about the move from the physical to the virtual world, from person-to-person interaction toward person-to-machine or machine-to-machine. It is Celent’s view that Integrating and coordinating among disparate and siloed delivery channels will be critical to satisfying ever-increasing customer expectations.
Speaker: Brian Muse-McKenney, Chief Revenue Officer & Matt Simester, Cards and Payments Expert
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