Perficient
MARCH 25, 2025
A mid-sized bank I was consulting with for their data warehouse modernization project finally realized that data isn’t just some necessary but boring stuff the IT department hoards in their digital cave. It’s the new gold, the ticking time bomb of risk, and the bane of every regulatory report that’s ever come back with more red flags than a beach during a shark sighting.
South State Correspondent
MARCH 24, 2025
In a previous article ( HERE ) we discussed how a portfolio of commercial loans with various expected average lives resulted in different net present value (NPV) of income over a ten-year period. Our analysis shows that an average community bank can expect $9.7mm NPV of income (about 1% ROA) on a $100mm loan portfolio when the average loan life is seven years, versus only $5mm NPV of income (about 0.50% ROA) on the same portfolio where the average loan life is 2.3 years (both portfolios measured
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Payments Dive
MARCH 6, 2025
The Senate backed a resolution to overturn a Consumer Financial Protection Bureau rule that gave the agency oversight of big tech companies offering payment tools.
TheGuardian
MARCH 19, 2025
More than 12,800 stores shut in 2024, down on 2023, but extra costs expected to take toll this year, study suggests The UKs high streets are expected to empty out at a faster pace this year as extra costs imposed on businesses by Rachel Reeves are blamed for shops closing and a slowdown in chain store openings. The rate of store closures is forecast to rise again as a result of the chancellors tax-raising budget last October, after a slowdown to 10 a day last year from 13 a day in 2023, accordin
Advertiser: Trellis
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.
BankUnderground
MARCH 6, 2025
Michal Stelmach , James Kensett and Philip Schnattinger Economists frequently use the vacancies to unemployment (V/U) ratio to measure labour market tightness. Analysis of the labour market during the current inflationary period often assumes the V/U ratio is constant and compares this measure with a supposed pre-2019 equilibrium. However, the V/U ratio has trended upwards over recent decades.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Perficient
MARCH 17, 2025
The financial services sector is experiencing transformative changes driven by technological advancements and innovative trends. We are witnessing the integration of AI, the rise of hyper-personalization, and the adoption of advanced digital platforms, all of which are revolutionizing operations and client interactions. Additionally, the emergence of embedded finance and an increased focus on regulatory compliance are compelling financial institutions to continuously adapt and innovate.
South State Correspondent
MARCH 4, 2025
Banks face a big set of challenges ahead. To gain a competitive advantage, having an effective and efficient systematic approach that is repeatable and can be part of your bank’s culture would be helpful. In this article, we provide a five-step AI-enabled process that will help your bank with solving strategic challenges. 5S Framework Overview for Solving Strategic Challenges The “4S” problem-solving framework is largely attributed to authors Garrette, Phelps, and Sibony in the
Payments Dive
MARCH 14, 2025
Consumers are predicted to rely less on debit and credit cards and turn more to mobile wallets in the coming years, a Worldpay report predicts.
TheGuardian
MARCH 2, 2025
One HSBC banker was paid up to 16.6m in 2024 while figure at Barclays was 14.8m after loosening of pay rules The demise of the UK banker bonus cap has sent pay soaring at Barclays and HSBC where the highest-paid bankers have received their biggest payouts since at least 2014. Analysis of pay documents released this month shows payouts for their most expensive staff surged more than 50% to nearly 20m (16.6m) last year, after the banks took advantage of looser pay rules and allowed staff to be pai
Advertiser: ZoomInfo
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.
Gonzobanker
MARCH 13, 2025
While Elon Musk is making some raving fans and many others nervous slamming through the Beltway, Im reminded of a famous quote of his that truly hits home in todays banking industry: People always think technology just automatically gets better every year, but it actually doesnt. It only gets better if smart people work like crazy to make it better.
Abrigo
MARCH 21, 2025
Abrigo recognized by FinCEN At Abrigo, weve always known that financial institutions play a critical role in fighting financial crime. Now, that commitment has been recognized in a big way. The Financial Crimes Enforcement Network (FinCEN) has honored Abrigo for supporting financial institutions and contributing to major criminal investigations through our anti-money laundering and fraud detection monitoring solutions.
Perficient
MARCH 5, 2025
In the latest episode of the “What If? So What?” podcast, Jim Hertzfeld had the pleasure of speaking with Efi Pylarinou, a renowned FinTech expert, speaker, and author of The Fast Future Blur. Efi shares her journey from Wall Street to becoming a leading voice in financial technology and innovation. The conversation covers a wide range of topics, including the concept of everywhere banking, the impact of AI, and the future of financial services.
South State Correspondent
MARCH 19, 2025
With 80+ acquisitions that make up our Bank, we have a strong collection of leaders that we have assimilated. These leaders have risen to the top of their previous organization and proven their value to the market by having a successful sale of their bank thereby quantifying the definitive value creation. They have proven to not only be a solid cultural fit for our organization but have also produced impressive results within our larger Bank.
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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.
Payments Dive
MARCH 17, 2025
The company says new consumer loans to be made by its Square unit through the digital wallet are a less expensive alternative to predatory short-term financing.
TheGuardian
MARCH 1, 2025
Backing of Glencore angers campaigners who have highlighted firms environmental breaches in South Africa One of the worlds biggest banks, JP Morgan, has promoted environmental and sustainable funds to customers which have invested more than 200m in the mining giant Glencore, it can be revealed. Ethical investing has become big business for JP Morgan and other financial giants, with worldwide sustainable investing expected to surpass $40tn by 2030.
Gonzobanker
MARCH 6, 2025
Digital banking solution provider Alkami has announced it will acquire account opening solution provider MANTL for $400 million. Here’s my 5-point gut take on the deal Deposit origination: Job #1. Ron Shevlin’s Whats Going On in Banking research shows deposit gathering is still the #1 challenge for banks while new member growth (requiring deposit accounts) is the #1 challenge for credit unions.
Abrigo
MARCH 11, 2025
How to prevent internal fraud at your bank or credit union Of the many fraud risks banks and credit unions face, one of the most costly comes from within the institution itself. Employees in positions of trust may manipulate accounts, conceal information, or abuse their authority for personal gain. Learn how to prevent internal fraud in banks and credit unions.
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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.
Perficient
MARCH 5, 2025
In the latest episode of the “What If? So What?” podcast, Jim Hertzfeld had the pleasure of speaking with Efi Pylarinou, a renowned FinTech expert, speaker, and author of “ The Fast Future Blur. Efi shares her journey from Wall Street to becoming a leading voice in financial technology and innovation. The conversation covers a wide range of topics, including the concept of everywhere banking, the impact of AI, and the future of financial services.
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. With recent DOGE government spending cuts, escalating trade tensions, immigration reform, and the implementation of tariffs, U.S. businesses find themselves navigating complex economic waters. This week, for example, is a critical time to help clients as a trusted advisor leverage lines of credit to move supplies and purchases forward, potentially avoiding the hig
Payments Dive
MARCH 31, 2025
The buy now, pay later industry sued to block the consumer-friendly rule, arguing that the services are not the same as those offered via credit cards.
TheGuardian
MARCH 31, 2025
A haul of items seized by police reveals the scale and threat of payment fraud a crime that can have significant emotional impact on victims On a shelf between Alexander McQueen shoes, Louis Vuitton handbags and Versace heels in the police evidence room are an 18-inch machete and a serrated zombie knife. Alongside the expensive fashions bought with the proceeds of serious fraud are the tools needed to achieve it, says DCI Paul Curtis.
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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.
Gonzobanker
MARCH 27, 2025
Bankers need to prove they can self-regulate to support the trust they need to stay relevant. Bankers nationwide risk getting overly boastful with all the enthusiastic high-fiving around the water cooler, celebrating the expected death of the Consumer Financial Protection Bureau. No more TRID! Adios to the Qualified Mortgage Rule! Dust off that resume, all you lovely enforcement officers.
Abrigo
MARCH 12, 2025
Protecting customers from disaster fraud In the aftermath of hurricanes, wildfires, floods, and other natural disasters , vulnerable communities often see an uptick in disaster fraud schemes designed to steal personal information or relief funds from would-be donors. As trusted financial partners, banks and credit unions play a critical role in helping customers recognize and avoid these scams.
Jeff For Banks
MARCH 3, 2025
Minnesota banker Andy Schornack posted the below memo on X that he was going to send to his staff. It was generated by X Grok AI tool and he had not edited or sent it yet. But I thought it so interesting and practical that I wanted to share it with my readers, with Andy's consent. I edited minor things for clarity. Leveraging Microsoft Copilot for Growth and Excellence at Security Bank & Trust Company Prepared by: [Your Name], CEO Date: [Date] Introduction: A Transformative Opportunity for S
South State Correspondent
MARCH 3, 2025
By 1985, the banking industry had radically changed. Consolidation among financial institutions started to occur at a pace never seen before, a pace that continues to this day. Understanding the drivers of banking consolidation is imperative when managing bank performance. In this article, we break down the lessons from this long-term trend. In 1985, there were 14,417 FDIC banking charters.
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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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