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 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
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Abrigo
FEBRUARY 28, 2025
Can your AML/CFT and fraud staff recognize these fraud typologies? The technology used to perpetrate financial crimes may be changing, but these common fraud typologies aren't going anywhere. This article covers these key topics: Why familiarizing staff with fraud typologies matters Common fraud schemes Fraud risk management best practices 3 Steps financial institutions can take to prevent fraud Why familiarizing staff with fraud typologies matters in 2025 In 2023, the Federal Bureau of Investig
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.
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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.
Accenture: Banking
FEBRUARY 25, 2025
The use of AI in the payments industry is not a new phenomenon. In fact, Accentures recent Payments Technology Reinvention Study shows that leading banks are already investing significantly in AI and generative AI and have managed to automate 40% of manual tasks in their payments business. Advancements in speech recognition, image generation and machine The post Unlocking the value of generative AI in commercial payments appeared first on Accenture Banking Blog.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
ABA Community Banking
JANUARY 9, 2025
The ABA Foundation offers resources for bank customers and employees on how to recover financially from disasters and on how to avoid scammers who prey on disaster victims and people seeking to donate to recovery efforts. The post Resources for banks to assist customers, employees affected by California wildfires appeared first on ABA Banking Journal.
Jeff For Banks
FEBRUARY 12, 2025
Online account opening remains the wild west for most community banks. In so many strategy sessions, I hear from bankers that it is a bust. They get more fraudsters than customers. This was the background as I attended Bank Director's Acquire or Be Acquired (AOBA) conference. And naturally I was keenly interested in how to solve this problem, or even diagnose what exactly is the problem, for community banks and online deposit account opening, either retail or business.
BankUnderground
FEBRUARY 13, 2025
Danny Walker, Dong Lou, Gabor Pinter and Semih sl Government bond yields tend to drift higher in the days before monetary policy or data news in the UK. Over the past two decades this tendency which we label pre-news drift has pushed up on yields by 2 percentage points in total over that period. The drift concentrates in pre-news periods that coincide with the issuance of UK government bonds, which is more common than it used to be.
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.
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BankBazaar
JANUARY 7, 2025
New Year, new goals. Thats what we always say, isnt it? Every January, we start with the best intentions: This is the year Ill get my finances sorted!. But by March, those goals often fizzle out as life takes over. So, how can we set financial goals that actually stickones that survive the chaos and still make a real impact by the end of the year? Start With A Money Audit Before setting any financial goals, its essential to understand where your money is going now.
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 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
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.
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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
FEBRUARY 27, 2025
Starting this summer, the Federal Reserve’s real-time payments system will let banks send payments up to $1 million, twice the amount of the existing limit.
SWBC's LenderHub
MARCH 27, 2025
Why UX/UI is more than just a design choice For credit unions and financial institutions, providing excellent customer service has always been a priority. However, in todays digital landscape, the way members interact with financial services is evolving rapidly. The quality of these interactions whether through mobile apps, online banking, or payment platforms determines whether members remain engaged, satisfied, and loyal.
TheGuardian
FEBRUARY 28, 2025
US bank meant to send $280 but no funds were transferred despite fat finger mistake The US bank Citigroup credited a clients account with $81tn when it meant to send $280 before the fat finger error was caught. The mistake was spotted only after two employees had missed it, and a third employee rectified it 90 minutes after it was posted, the Financial Times reported.
ABA Community Banking
FEBRUARY 20, 2025
In rural southeastern New Mexico, bank CEO and varsity bowling coach Ken Clayton often takes his team on 500-mile one-day roundtrips for bowling tournaments. For Clayton, that commitment to going the distance is also what community banking is about. The post Podcast: Bowling 300 on bank policy advocacy appeared first on ABA Banking Journal.
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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.
Jeff For Banks
FEBRUARY 21, 2025
Ten years ago I wrote What's Your Well-Capitalized on these pages. It was in response to regulators persistently asking bankers the same question. Today, we have not done much about it because we have relied on that lazy space using the regulatory definition of well capitalized. Or at least regulatory expectation of it. I recently spoke at the American Bankers' Association Conference for Community Bankers regarding risk appetite statements in a presentation called Leave Nothing Unspoken.
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.
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.
BankBazaar
JANUARY 14, 2025
Looking for the emerging trends in Indias personal finance market? Here are some key insights from the Moneymood 2025 report presented by BankBazaar. BankBazaar.com, an Indian fintech co-brand Credit Card issuer and online financial product marketplace, launched the sixth edition of BankBazaar Moneymood 2025. This report summarises personal finance trends from 2024 and outlines expectations for 2025.
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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.
Perficient
FEBRUARY 27, 2025
As we progress through 2025, the banking industry is set for substantial transformation driven by several key trends. Digital transformation will remain a powerful force, with advancements in AI and machine learning enabling unparalleled operational efficiencies and hyper-personalized customer experiences. Banks will look to transform the way they do business by moving beyond their walls with the maturing of open banking and embedded finance.
South State Correspondent
APRIL 1, 2025
As of last month, 68% of iPhone users were running iOS 18 or higher and 92% of Android users are running their 5.0 iOS or higher. This means that thanks to recent Apple upgrades in their operating system, most phones are now capable of receiving Rich Communication Services (RCS) messages in addition to traditional SMS. This transformation promises to bring a plethora of benefits and global brands are now gearing up.
Abrigo
APRIL 2, 2025
Payment fraud: What is it and why the payment system used matters Payments are evolving, and so are fraud tactics. As digital transactions become faster and more convenient, fraudsters are finding new ways to exploit vulnerabilities across payment channels. Financial institutions must stay ahead by implementing proactive fraud detection strategies to protect their customers and mitigate losses.
Payments Dive
JANUARY 21, 2025
The emerging technology will help merchants process payments faster and provide customers with more ways to pay, those who follow the payments industry say. It will also increasingly offers a defense against rising fraud.
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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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