Perficient

FEBRUARY 12, 2025

The rapidly evolving payments industry is driving industry leaders to adapt their strategies in response to emerging trends. 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

Trends Payments Compliance blockchain 221

PYMNTS

NOVEMBER 16, 2020

In the wake of the 2008 global financial crisis, and banks' subsequent pullback from the small- to medium-sized business ( SMB ) lending arena, a slew of alternative lenders emerged onto the scene to fill the credit gap. This is a market that's going to be digital-first in the future," he said.

Lending 289

Lending Technology Capital Meeting 289

PYMNTS

NOVEMBER 24, 2020

PayPal’s CEO Dan Schulman recently told CNBC that he’s confident the move to digital currencies is being swiftly adopted and will be permanent, noting “there's no question that people are flocking to digital payments and digital forms of currency.”. To participate, users must lend a minimum of 0.1

Bitcoin 339

Bitcoin Lending cryptocurrency Capital 339

PYMNTS

NOVEMBER 10, 2020

It’s here now and being used to make good banks better — whether to eliminate discrimination in lending decisions, add stability to existing screening systems or drive loan growth and profits. The rest will go toward developing partnerships with governments and regulators “to raise the bar” when it comes to modern, unbiased lending.

Lending 345

Lending Software Compliance System 345

Abrigo

NOVEMBER 13, 2024

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. As rates stay high, concerns about credit risk and borrower health are top of mind for bank and credit union leaders, especially as it relates to lending to small businesses. Interest coverage ratios have stayed strong.

Lending 221

Lending Meeting Data Risk Management 221

PYMNTS

JANUARY 6, 2021

With no credit scores, limited financial transaction histories, and a huge amount of people who don’t even have a bank account, lending money in Vietnam is no simple task. While most financiers would run from an environment like that, CEO Toms Niparts of Jeff , an app-based lending platform based in Latvia, saw it as a huge opportunity. “We

Lending 323

Lending Fintech Data Comparison 323

Bank Innovation

JANUARY 15, 2020

card companies just moved a step closer to gaining access to China’s $27 trillion payments market. China said it won’t take longer than 90 days to consider applications from providers of electronic-payments services such as Mastercard, Visa and American Express Co., The biggest U.S.

Marketing 347

Marketing Cards Payments Company 347

Perficient

APRIL 20, 2023

blockchain​, digital wallets​, money center banks​, emerging payment solutions, digital lending​, economic turmoil​, and fintech disintermediation). Marketers often turn to technology vendors to help them define robust and compliant digital marketing strategies.

Marketing 294

Marketing Marketing Strategies social media Strategy 294

PYMNTS

MARCH 20, 2020

FinTechs continue to push the envelope to see how far open banking frameworks can go in improving the SMB banking experience, and increasingly, SMB lending is shifting to the center of these collaborative efforts. ’s experience is quickly influencing the way SMB lenders approach open banking in other markets like the U.S.

Lending 233

Lending Data User Experience Fraud 233

South State Correspondent

JUNE 25, 2024

In this article, we provide a concrete example of how product management in lending might work. Product Management in Lending – The Strategy of a Loan-Level Hedging Program The goal of product management in lending strategy is to create value versus your competition in credit.

Lending 195

Lending Management Community Bank Community 195

PYMNTS

NOVEMBER 30, 2020

Velo Labs has unveiled a joint effort with Visa and Lightnet Group to build out payment offerings together in Asia, according to an announcement. Velo Labs, Visa and Lightnet Group will work together on payment offerings targeted at serving the micro, small and medium enterprise (MSME) lending market in Asia, the announcement stated.

Lending 197

Lending Groups Capital Security 197

PYMNTS

SEPTEMBER 23, 2020

Our collaboration with Ally Lending enhances our customer financing offerings, making it possible for consumers to better manage their finances," said Charlie Youakim , executive chairman and CEO of Sezzle, in a press release. Sezzle is taking part in the growing buy now, pay later (BNPL) market.

Lending 198

Lending Minneapolis Strategy Innovation 198

Abrigo

JANUARY 3, 2023

Construction lending from the ground up. During a recent construction lending webinar , lending and credit risk expert Dev Strischek of Devon Risk Advisory Group outlined the keys to construction loan success. Introduction. Construction loans are short-term loans funded in increments over the project’s construction.

Lending 195

Lending Policies Survey Risk Management 195

South State Correspondent

MARCH 24, 2025

There have been few times in modern memory when small businesses and middle market companies faced so much uncertainty in the market. Stress-testing cash flow projections under scenarios of increased input costs, fluctuating demand, or delayed payments. businesses find themselves navigating complex economic waters.

Risk Management 195

Risk Management Resources Management Marketing 195

PYMNTS

JANUARY 17, 2021

With the facility, Figure will work on fueling mortgage lending growth, which shot up nearly 50 percent month over month in the fourth quarter. Morgan will help us continue to innovate in the lending space,” said Mike Cagney , CEO and co-founder of Figure, according to the release. “We This facility with J.P.

Lending 199

Lending blockchain National Payments 199

Bank Innovation

JANUARY 11, 2018

For this expedition, the fintech has teamed up with SaaS banking platform Mambu for providing short-term lending products specifically tailored to local consumers. Kreditech’s entry into the Indian market comes because of payment processor PayU’s involvement in the company […].

Online 309

Online Lending Innovation Fintech 309

PYMNTS

FEBRUARY 20, 2020

As Open Banking spreads further into the small business (SMB) financial services market, accounting and lending platforms are taking advantage. Xero, Square Integrate For Faster Invoice Payments. When invoices are paid via Square, transaction data is then automatically added into the Xero platform.

Lending 217

Lending Taxes Fintech Data 217

PYMNTS

NOVEMBER 3, 2020

Hong Kong-based digital payment platform Statrys has recently landed $5 million in funding through a closed-door funding deal with an angel investor with the expectation that the firm will get market share in the expanding remittance and digital payment arena, according to an announcement.

Payments 263

Payments Resources Online Lending 263

South State Correspondent

APRIL 24, 2022

However, some community banks are still deciding on the correct term lending index to adopt. Many banks are uncertain that they have chosen the best term index for their products and markets. Considerations For Choosing A Term Lending Index. An index should be observable and not easily manipulated by market participants.

Lending 195

Lending Community Bank Community Marketing 195

Perficient

AUGUST 4, 2024

Azure Integration Services provide the scalability required to handle varying workloads, ensuring businesses adapt quickly to changing market conditions without compromising performance. This integration ensures that payment data is transmitted securely and efficiently, enhancing the customer experience and reducing transaction times.

Industry 467

Industry Compliance Examples Risk Management 467

Bank Innovation

FEBRUARY 27, 2020

customer numbers have outperformed other markets. […]. The point-of-sale lender announced this week it has more U.S. customers than customers in New Zealand and in Australia, where it is headquartered. This is the first time since the company’s 2014 launch that its U.S.

Marketing 293

Marketing US Retail Customer Experience 293

PYMNTS

JANUARY 12, 2021

The lending industry was hit hard during the pandemic’s early months, with many banks and traditional lenders rapidly adjusting their standards and rates to accommodate businesses’ and consumers’ shifting needs. Payors surveyed stated that they made only 45 percent of all their disbursements via non-instant payment methods, in fact.

Millennials 239

Millennials Payments Lending Study 239

South State Correspondent

FEBRUARY 26, 2025

Tools for Forward Rate Locks The lending curve is currently flat. We have seen community banks offer up to 12 months of below market-rate pricing to win business with a forward rate lock that allows the community bank to earn a market-driven credit spread and boost ROE.

Management 195

Management Community Bank Community National 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending? Would you like others articles like this in your inbox? 1 and Sept.

Lending 195

Lending FDIC Capital Risk Management 195

PYMNTS

FEBRUARY 2, 2021

We’re growing a market of people who have never bet before in Tennessee.”. While most people have played an office Super Bowl or March Madness pool, Hodges said that legal, regulated betting on sporting events has largely been a cash market enterprise that was the domain of black market bookies. Next Steps.

Tennessee 262

Tennessee Payments social media Regulation 262

South State Correspondent

NOVEMBER 2, 2022

The futures market now expects close to average odds of a 75bps increase in Fed Funds rate for the next FOMC meeting on December 14 th ( HERE ) and about 60% odds of a 75bps hike by January. The borrower’s interest rate and the monthly P&I payments show the curve’s inversion after five years. The Yield Curve Inversion. Conclusion.

Lending 195

Lending Community Bank Community Meeting 195

South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

Conference 195

Conference Marketing social media Data 195

Bank Innovation

NOVEMBER 27, 2017

Fintech lenders are making significant gains in the personal loan space, according to a recent TransUnion report, which follows the staggering growth of fintech lenders in the market over the past few years.

Fintech 326

Fintech New York Conference Lending 326

Payments Dive

OCTOBER 13, 2023

The deal, which marks the latest step in Goldman’s retreat from the mass market, will result in a hit of 19 cents per share to the firm’s third-quarter earnings, to be announced Tuesday.

Lending 243

Lending Fintech Marketing 243

PYMNTS

DECEMBER 28, 2020

Brexit-related business email compromise scams are on the rise, according to the Bank of Ireland, as more fraudsters pose as legitimate executives or suppliers in an attempt to redirect invoice payments to their own bank accounts. In another case, the Bank of Ireland intercepted a $1.34 million business email scam. "We

Fraud 291

Fraud Payments Survey Lending 291

South State Correspondent

JANUARY 6, 2025

But we feel that CTLs offer community banks profitable lending opportunities. The credit default market requires only 94.5bps per annum fee for default protection. The graph below demonstrates Starbucks Corporations historical share price, credit default premium, and 1-year probability of default in the market for the last five years.

Community Bank 195

Community Bank Community Examples Lending 195

PYMNTS

APRIL 23, 2019

Resolve, a B2B payment services firm that spun off from Affirm , provides point-of-sale (POS) financing to consumers via retailers, including Walmart. However, Tsai said “conservative-minded CFOs” in B2B, along with legacy supply chain technologies and processes, serve to slow down any progress toward new payment and transaction methods.

Payments 228

Payments Maine Lending Retail 228

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Risk Management Technology Survey 195

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Training Technology Survey 195

South State Correspondent

FEBRUARY 27, 2022

ARC enables community banks to take advantage of a flat yield curve, differentiate the bank from market competitors, provide a higher level of service to better customers, and instill more relationship business – all of this leads to more loans and more profitable customers. Current Risk in Term Lending. Current ARC Pricing.

Lending 195

Lending Community Bank Community Meeting 195

PYMNTS

FEBRUARY 23, 2020

Payment company PayPal is looking at small business credit as a new field of opportunity. Both companies have said they also see the potential in the market. The company is championing a national digital framework in Australia that would speed up the processes used to verify customers.

Lending 226

Lending Fintech National Strategy 226

Perficient

JULY 11, 2022

Buy now, pay later (BNPL) is a type of point-of-sale installment loan that partners with retailers to allow consumers to pay for their purchases in multiple equal payments. which is a huge draw to using BNPL as a non-cash payment method. What Are Some Buy Now, Pay Later Companies? Which one is best for me?

Fintech 474

Fintech Trends Apple South Dakota 474