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. 

A customer walks into a bank to apply for a car loan and finds out they don’t qualify.

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John Leekley likes to vacation at a remote cabin in Upstate New York’s Adirondack Mountains.

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Make no mistake: Competition for small businesses is heating up among big banks, credit unions, alternative lenders and every institution in between.

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Across all industries, the hot question is this: How do businesses attract and retain millennials—the largest generation in American history by a landslide? Nowhere does this question resonate so much as in financial services.

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OK, for most of us this sounds crazy: Cash management is a commodity.

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“Is it worth it weighed against the potential penalties?” a senior banker recently asked.

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Enlisting the real-life equivalent of C-3PO, with his true-to-human behavior and unfailingly polite banter, may still be some years away for the world’s banks.

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Personal unsecured loans have been a remarkable growth story in the past few years.

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The impact of new players, digital technologies, changing regulations and the power of advanced analytics will define future winners and losers in the banking industry next year and beyond, according to more than 100 industry leaders who shared their thoughts for the 2017 Retail Banking Trends and Predictions report.

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The core banking system is the underlying system of record for credits and debits that maintains transactions, histories and balances.

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Why would a lender want to offer different prices to different pricing segments? One reason is that different pricing segments have different associated variable costs—and the most important cost difference among segments is risk.

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In the eight years since the financial crisis, the roller coaster changes within retail banking have driven large banks to more aggressively cross-sell existing customers on products and services outside of traditional loans and deposits.

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Mortgage and auto loan providers are caught between a rock and a hard place after a ruling by the U.

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When channel switching on TV, I always tend to linger on three programs: Kitchen Nightmares with the always-profane Gordon Ramsey, Restaurant: Impossible with Robert Irvine, and Bar Rescue with Jon Taffer.

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With the recent Financial Accounting Standards Board vote to proceed and the final Accounting Standards Update now published, the Current Expected Credit Loss (CECL) standards remain top of mind for the C-suite in financial institutions.

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Price promotions long have been an important tool for deposit-gathering, both to meet long-term funding goals and to quickly acquire balances in special situations.

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With the market anticipating higher interest rates, banks may find it increasingly difficult to get customers to accept longer-term deposit accounts.

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Deposit spreads have been the bane of banks in recent years but that could change if interest rates continue to rise.

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Nearly every industry pundit these days is raising the threat to banks posed by “marketplace lenders” and the adoption of digital online lending technology.

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In December 2012, the Financial Accounting Standard Board (FASB) proposed a new current expected credit loss (CECL) model.

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