Bank Innovation

FEBRUARY 27, 2020

An update to Square’s credit risk model for its Square Capital commercial lending product — first disclosed yesterday — was “a key driver of Capital’s outperformance in the fourth quarter,” the company said. The advancement of Capital is key for Square as it continues to grow the fast-growing — and lucrative — lending product.

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South State Correspondent

APRIL 2, 2025

“Liberation Day” brought a 10% baseline tax on all imports plus a 15% to 49% tariff rate on a defined set of nations (below). Community banks clients often serve local and national business, and community banks will see opportunities to strengthen and expand partnerships with these clients.

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Community Bank Community Policies National 221

PYMNTS

APRIL 8, 2020

As the nation’s traditional financial institutions struggle to cope, alternative lending platforms and other B2B FinTechs are exploring how to put their own technologies to good use. Small businesses, meanwhile, can use the platform to apply online as fewer physical bank branches are available. Funding Circle. Wolters Kluwer.

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Lending Fintech America Technology 245

Abrigo

FEBRUARY 12, 2025

Understand and meet borrower expectations For community financial institutions (CFIs), small business lending presents both a challenge and an opportunity. Understanding what small businesses need from a lending partner is the first step in improving loan decisioning. According to Kirby, speed is the top priority.

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Lending Risk Management Community Fintech 195

South State Correspondent

MAY 15, 2023

The CLO was lamenting how he was losing quality loans and deposits to three aggressive national banks in the territory. We looked at the term sheet offered by the national bank and pointed out the strategy that this national bank was deploying and how the community bank could respond. Last week we spoke to a $1.2B

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National Community Bank Community Examples 195

PYMNTS

NOVEMBER 23, 2020

While many digital-first companies springboard from payments into lending, Figure Technologies , a FinTech focused on home improvement, debt consolidation and retirement products that leverage blockchain protocols, is branching out from lending into payments. Looking Toward The Blockchain . The Charter Advantage .

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National blockchain Lending Montana 215

Abrigo

OCTOBER 19, 2020

Honor BSA/AML Professionals on October 26th Professionals across the nation are encouraged to celebrate National Financial Crime Fighter Day. . National Day Calendar Get more resources on this nationally recognized day. October 26th is now, officially, a nationally recognized day honoring BSA/AML Professionals.

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National United States Fraud Resources 195

South State Correspondent

FEBRUARY 26, 2025

We work with hundreds of community banks across the country that utilize forward rate locks to decrease risk, increase fee income, and stave off competition from national and regional banks. Tools for Forward Rate Locks The lending curve is currently flat.

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Management Community Bank Community National 195

Abrigo

FEBRUARY 6, 2024

Develop an MBL program while mitigating risk Credit unions looking for alternate paths to growth in today's rising rate environment may be primed to leverage member business lending. Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending.

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Lending How To Risk Management Policies 221

Abrigo

JULY 20, 2024

Ready to catch the next wave of lending growth? Commercial and industrial lending (C&I) will be the next big performance driver for banks and credit unions. You might also like this paper on how institutions can produce smarter, faster lending. C&I lending will be the next “bomb.”

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Lending Risk Management Management Capital 195

Bank Innovation

JULY 8, 2019

At Bank of America’s auto division, preserving a personal touch is key to engaging with both consumers, according to Duane Freeman, the bank’s senior vice president of consumer vehicle lending and national sales executive. “In

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Lending National Operations America 186

PYMNTS

JULY 29, 2019

Proposed regulations would give small businesses in California the nation’s most extensive set of truth-in-lending protections for small business borrowers. . In 2018, California began the journey of establishing lending transparency for small businesses in the state.

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Lending California Comparison Regulation 182

PYMNTS

MARCH 15, 2019

Some of the largest global financial institutions are taking steps further into Mexico’s small business lending and finance space, the result of heightened competitive pressure imposed by FinTechs and alternative lenders in the market, reports in the Wall Street Journal said Thursday (March 14). ”

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Lending Fintech National Taxes 189

Abrigo

OCTOBER 22, 2024

Say "thank you" this National FinCrime Fighter Day BSA professionals and financial crime fighters are tasked with the challenge of protecting our financial system daily. October 26 is National Financial Crime Fighter Day , and it’s the perfect time to pause and applaud everything these professionals do.

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Security Fraud Community National 221

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.

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Lending blockchain National Payments 199

South State Correspondent

APRIL 18, 2022

For example, 40% of JP Morgan’s commercial banking revenue is derived from fee income, and JP Morgan’s commercial banking division is composed of middle-market and commercial real estate (CRE) lending. On average, the national banks generate 62% more fee income as a percentage of total revenue. Conclusion.

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Lending Community Bank Community Comparison 195

Perficient

MAY 26, 2021

Since its inception in 2015, the Fintech Generations conference has drawn national and international fintech leaders and speakers. Hans Zandhuis, Head of Ally Lending, Ally. Beth Johnson, Chief Experience Officer, Citizens. Jamie Warder, EVP & Head of Digital Banking, KeyBank.

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Fintech North Carolina Charlotte Conference 462

South State Correspondent

FEBRUARY 28, 2023

Below is a graph showing national cap rates for all categories of real estate nationwide. The relationship between cap rates, interest rates, DSCR, and LTV are all now conspiring to make real estate lending especially perilous. The post The Problem With DSCR and LTV in Lending appeared first on SouthState Correspondent Division.

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Lending Community Bank Community National 195

South State Correspondent

MAY 22, 2024

In this article, we highlight the state of the bank commercial real estate office lending sector and make an argument about why banking might be better off than most analysts think. The State of Office Lending Risk – Traffic 2024 will mark the fifth consecutive year where office demand has declined.

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Lending Marketing Philadelphia San Francisco 195

PYMNTS

JULY 24, 2020

Online lenders will need the green light from the central bank to roll out new offerings or hike lending rates if the legislation is put into law, Quartz Africa reported. Online lending has brought about a number of complications in Kenya, with digital loans reportedly leading rising personal debt for users in the country.

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Lending National Mobile Online 157

PYMNTS

JANUARY 24, 2021

Bus operator National Express reported a 185 percent increase in bookings for spring and summer trips compared with bookings made during the same period in 2020. Among the figures noted by the Financial Times: Saga said bookings made during the first two weeks of January were twice those made during the first two weeks of September.

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South State Correspondent

JULY 7, 2024

In commercial banking, lending optionality occurs for liquidity, credit, or interest rates. Another example of interest rate lending optionality is a lack of prepayment protection on loans. Conclusion Bankers need to be able to quantify and charge for the benefits of lending optionality held by their customers.

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Lending Community Bank Community Exercises 195

Abrigo

FEBRUARY 25, 2022

Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . This competition can only increase as the lending landscape continues to shift.

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Lending St. Louis Community Survey 195

Abrigo

APRIL 14, 2020

Key Takeaways The Federal Reserve recently unveiled a new loan-purchase program, the Main Street Lending Program (MSLP) Unlike the PPP, loans provided under the MSLP are not eligible for loan forgiveness Community financial institutions play an important role in the MSLP. Lending & Credit Risk. bank holding companies, and U.S.

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Maine Lending Community Study 195

South State Correspondent

APRIL 24, 2022

However, some community banks are still deciding on the correct term lending index to adopt. Considerations For Choosing A Term Lending Index. The national and regional banks have been mainly adopting SOFR for loan pricing. The post What Term Lending Index Should Banks Adopt? Market Adoption. Conclusion.

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Lending Community Bank Community Marketing 195

PYMNTS

JANUARY 19, 2021

With more financial institutions (FIs) turning to external third-party FinTechs to strengthen their small- to medium-sized business (SMB) and corporate offerings, the collaboration model is proliferating across national borders. National Australia Bank Chooses Eedenbull. TBI Bank Partners With NETOPIA Payments.

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Fintech National Groups Tools 341

CFPB Monitor

MAY 16, 2022

The CFPB recently issued its annual fair lending report covering its fair lending activity in 2021. . Small business lending—assessing whether there are disparities in application, underwriting, and pricing processes, redlining, and whether there are weaknesses in fair lending-related compliance.

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Lending Report Memphis Tennessee 148

Bank Innovation

JULY 1, 2019

First National Bank of Omaha (FNBO), with $20 billion in assets and 5,000 employees, is building out its seven-person innovation group within the bank's namesake skyscraper in Omaha, Nebraska. The 162-year-old bank is remodeling the group's workspace to resemble a startup, with open, collaborative offices and Apple TVs adorning the walls.

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Omaha National Nebraska Innovation 170

PYMNTS

FEBRUARY 23, 2020

The company is championing a national digital framework in Australia that would speed up the processes used to verify customers. Payment company PayPal is looking at small business credit as a new field of opportunity.

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Lending Fintech National Strategy 226

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022. Quick Stat.

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Lending Community St. Louis Community Bank 158

PYMNTS

JULY 7, 2020

and other nations around the world as a result of the global pandemic continues to draw comparisons to the 2008 financial crisis — so it’s only natural that analysts may turn to the past in an effort to predict what could lie ahead. “It comes in waves, there’s no doubt about it,” he said about the alt-lending boom.

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Lending Industry Fintech UX 171

Jack Henry

OCTOBER 8, 2020

The secondary market for buying and selling loans was formed in the late 1800s as the mortgage market in the United States grew following the passing of the National Bank Act in 1864. This market traditionally has been operated using highly bespoke transaction agreements and a relationship-based system of market participants.

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PYMNTS

JULY 17, 2020

It will now be a lot easier for schools, hospitals and social service organizations to access funds using the Main Street Lending Program. While the Main Street Lending Program is geared toward mid-sized businesses, the Paycheck Protection Program (PPP) loans were designed to help the smallest companies in the nation survive the pandemic.

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Maine Lending National Payments 161

PYMNTS

JANUARY 5, 2021

The Accion Opportunity Fund , which bills itself as the first organization with a nationally focused, small business microlending strategy, was launched in March 2020 when Opportunity Fund and the Accion U.S. "By working together, we can build a more inclusive financial landscape, especially for women, immigrants and entrepreneurs of color.".

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San Jose Lending Community California 198

Perficient

NOVEMBER 20, 2020

Lend a Helping Hand. So how can you help both local and national parks? Many communities have park foundations that you can help provide support to or give to the National Parks Foundation. It was a way to both connect and spend time together while also helping their community. Parks are an integral part to every community.

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Chicago Community National Groups 322

Abrigo

MARCH 27, 2025

Have we changed our lending practices (new products, risk appetite)? Step 3: Align Q factors with risk categories To keep things structured, organize your qualitative factors into key categories: Economic environment National, regional, and local economic trends.

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How To Data Lending Comparison 195

PYMNTS

SEPTEMBER 30, 2020

The House committee held a hearing on the idea after Acting Comptroller of the Currency Brian Brooks in July proposed a new special purpose national banking charter for payments companies. That last measure aims to ensure that banks lend money and provide banking services to underserved and minority consumers.

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Regulation National System Industry 349