Jamie Topolski
Oct 14, 2021

As people increasingly become digital-first, the credit or debit card may become one of the few physical touchpoints a bank has with its customers. 

It’s no secret that the digerati are taking bites out of the banking sector—offering payment services, loans and credit, cash, and savings products to the underbanked.

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Bankers invest so much time and attention toward driving “share of wallet” (SoW) that many tend to treat it as the de facto metric for measuring return on investment (ROI) in digital technology.

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Collaborative, partnership-driven approaches define the bank of the future—but for traditional banks, the shift to openness requires enormous changes throughout their organizations.

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According to Consumer Financial Protection Bureau data (CFPB), roughly 45 million people in the U.

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Today’s collection strategies tend to be overly aggressive and collectors are infamous for their relentless attempts to chase down past due bills no matter the cause or individual’s case history.

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No matter the business, digitization holds the key that unlocks groundbreaking opportunities and prevents small issues from blowing up into multi-billion or even trillion-dollar problems.

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Deposits and interest rates are rising and that’s good news for big banks.

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If timing is everything, then score one for depositors.

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As the economy continues its post-Great Recession progress, interest rates are expected to continue rising in 2018 on almost all financial products, including personal loans and mortgages.

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The recent Wall Street Journal article about the dominance of the three largest banks struck a visceral reaction among bankers.

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The banking industry confronts countless deadlines every day.

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When Corey Vandenberg worked in retail banking—for 17 years, in fact, before he set up shop as mortgage banker in Lafayette, Indiana—he was always stunned at all the paperwork customers had to furnish to show proof of income to buy a house.

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Not long ago, bankers tallied creditworthiness with a fat envelope full of papers they assessed over the course of weeks.

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In many ways, 2018 has started very much where we all left off in 2017.

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Thus far in 2017, interest rates haven’t risen as quickly or high as many industry prognosticators anticipated.

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Both major government-sponsored enterprises, Freddie Mac and Fannie Mae, are working to streamline the mortgage manufacturing to make securing and acquiring mortgages more efficient.

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When the peer-to-peer loan service LendingClub arrived 2007, many envisioned a major disruption to end the bank loan business as we knew it.

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The competition for market share in the banking industry is fierce.

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In their attempts to answer the question that never goes away—“How to drive portfolio growth in the current lending environment?”—many financial institutions have turned to commercial real estate.

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