Payments Dive
JANUARY 16, 2025
The payments were made over a three-year period beginning in 2020, and were not listed in some filings with the Securities and Exchange Commission. As a result, the company agreed to pay a fine under a settlement last week.
South State Correspondent
JANUARY 16, 2025
Based on the 2007 to 2010 bank failure experience, we modeled the financial health of every bank using the last 16 quarters of historical performance. We have also created projections for the next 18 months. There are 150 banks that currently have a Grade of 8 out of 10, with 10 being the safest. In this article, we look at those 150 safest banks to learn five connected lessons on how to create a bank that can withstand the next great economic downturn.
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Abrigo
JANUARY 17, 2025
This article covers these key topics: What is a core deposit intangible? Why are core deposit intangibles important? Using core deposit intangibles in mergers and acquisitions Using the core deposit intangible to assess value at banks & credit unio ns When evaluating a potential acquisition, banks must assess the core deposit intangible (CDI). Read on to learn about the importance of this metric, especially in today's dynamic environment.
ABA Community Banking
JANUARY 18, 2025
Illinois regulators closed Pulaski Savings Bank of Chicago and appointed the FDIC as receiver. Millennium Bank of Des Plaines, Illinois, agreed to assume all deposits and most of its assets. The post Pulaski Savings Bank closed in Chicago appeared first on ABA Banking Journal.
ATM Marketplace
JANUARY 17, 2025
What's the advantage of cash in 2025? Read more to find out.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
South State Correspondent
JANUARY 14, 2025
Last years worries of deterioration in labor-market conditions have evaporated and the Fed is still harboring concerns about elevated inflation risks. Many banks budgeted some six rate cuts in their 2024 asset-liability plans last year that never materialized. Going forward, the major unknown is the new administrations policies that all skew to higher inflation (from labor reduction, higher deficits, less regulation, to tariffs).
TheGuardian
JANUARY 16, 2025
Calls for central bank to reduce unfair costs for consumers and stop businesses being gouged Follow our Australia news live blog for latest updates Get our breaking news email , free app or daily news podcast Six Labor MPs are urging the Reserve Bank to ban all surcharges for every debit transaction and dramatically reduce merchant fees for businesses, asking the central bank to go further than the governments pledge to stop surcharges only on card payments.
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.
American Banker
JANUARY 16, 2025
The future of the Consumer Financial Protection Bureau, Michael Barr's resignation and credit union acquisitions of banks are top matters facing bankers.
Advertiser: ZoomInfo
Incorporating generative AI (gen AI) into your sales process can speed up your wins through improved efficiency, personalized customer interactions, and better informed decision- making. Gen AI is a game changer for busy salespeople and can reduce time-consuming tasks, such as customer research, note-taking, and writing emails, and provide insightful data analysis and recommendations.
Payments Dive
JANUARY 15, 2025
Fraud losses in card payments will continue to rise worldwide, the research firm Nilson Report said this month, predicting $404 billion in global losses over the next ten years.
Jeff For Banks
JANUARY 14, 2025
Bank earnings remained below par for 2024 due to continued net interest margin pressures. As a result, many financial institutions amplified their misery by turning unrealized losses in their relatively low-yielding bond portfolios into actual losses by selling their underperforming bonds. In my book, Squared Away-How Bankers Can Succeed as Economic First Responders , I referred to the phenomenon of further impairing already impaired earnings by making strategic investments in your bank as "pull
TheGuardian
JANUARY 15, 2025
Investment bank beats Wall Street expectations as it reports earning $11.95 per share in fourth quarter Goldman Sachs posted its biggest profit since the third quarter of 2021 to beat Wall Street expectations, driven by bankers who brought in more fees from dealmaking, debt sales and strength in trading. The investment banks shares rose 2.6% before the bell on Wednesday as it earned $11.95 per share in the fourth quarter, compared with $8.22 expected by analysts, according to estimates compiled
The Paypers
JANUARY 15, 2025
NYDFS has partnered with the Bank of England on a Transatlantic Regulatory Exchange (TRE) programme to strengthen oversight of digital assets and emerging payments.
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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.
American Banker
JANUARY 16, 2025
It's no accident that national banks have, so far, been insulated from major crypto disasters. Congress and the incoming administration should take heed and avoid eliminating the guardrails that have kept banks safe.
Payments Dive
JANUARY 16, 2025
The digital payments provider agreed to pay penalties to the Consumer Financial Protection Bureau and a group of states under settlements that alleged the company violated banking laws.
ABA Community Banking
JANUARY 14, 2025
On the inaugural episode of the ABA Fraudcast, former ABA Chair Dan Robb, president and CEO of Jonesburg State Bank in Missouri, describes the recent targeting of his bank by fraudsters who texted thousands of residents of his community, seeking access to customer accounts. The post ABA Fraudcast: One community bank’s fight against a mass text scam appeared first on ABA Banking Journal.
TheGuardian
JANUARY 17, 2025
Latest setback, after talks with Treasury, blamed on lack of clarity about implementation in US Business live latest updates The Bank of England has delayed the introduction of tougher global banking capital rules by a further year to prevent another 2008-style crash, blaming the second delay on a lack of clarity about its implementation in the US.
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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.
The Paypers
JANUARY 16, 2025
Thailand’s SEC has started reviewing its spot in the Bitcoin ETF listings and proposals, as the government is cracking down on Polymarket for alleged illegal activities.
American Banker
JANUARY 14, 2025
At banks like Citi and SouthState, generative AI models are put through additional rounds of testing before they make it into the pilot stage.
Payments Dive
JANUARY 14, 2025
Consumers who use BNPL take out multiple loans and have more personal debt than consumers who don’t use the payment method, according to a new report from the Consumer Financial Protection Bureau.
BankUnderground
JANUARY 14, 2025
Natalie Burr In economic theory, expectations of future inflation are an important determinant of inflation, making them a key variable of interest for monetary policy makers. But is there empirical evidence to suggest monetary policy can help determine inflation expectations? I answer this question in a recent paper by applying a Bayesian proxy vector autoregression (BVAR) model to summary measures of inflation expectations for households, firms, professional forecasters and financial markets,
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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
TheGuardian
JANUARY 17, 2025
Muhammed Qayyum and Adbdul Khan intercepted post and used it to gain access to victims account details Two men have been sentenced after a 1m fraud in which letters from banks were intercepted and used to steal money from peoples accounts. Muhammed Qayyum, 42, and Abdul Khan, 30, worked together on the scheme where victims had their post stolen and then banks were contacted to get the account details changed so funds could be transferred out.
The Paypers
JANUARY 19, 2025
1Money has officially launched from stealth mode, unveiling USD 20 million in seed funding to develop its Layer 1 blockchain network designed for stablecoin payments.
American Banker
JANUARY 14, 2025
New regulatory changes have created the potential to enable smaller institutions to compete more effectively with their larger peers if they're willing to seize the opportunity.
Payments Dive
JANUARY 17, 2025
Banks seeking to halt a new Illinois law that bars credit card interchange fees on taxes and tips succeeded on one front, but not another, at least for now.
Speaker: Brian Muse-McKenney, Chief Revenue Officer & Matt Simester, Cards and Payments Expert
In today’s world of social media, dating apps, and remote work, businesses risk becoming irrelevant (or getting "ghosted") if they fail to meet the evolving needs of Gen Z consumers. Credit cards with flexible payment options, especially for young adults with little-to-no credit history, are a particularly important and valuable solution for this generation.
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