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The Timely Death of End-to-End

Posted by Gary Lewis

Feb 23, 2018 1:30:00 PM

 

The term end-to-end has been used by software vendors and bankers in recent years to describe loan origination systems. I heard this term no less than 30 times during a recent banking conference. I hereby announce today that the term is dead, or at least should be.

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Topics: Relationship Management, Commercial Lending, Risk Management, loan origination, predictive analytics, software

The Face of the Future?

Posted by Kevin Moland

Feb 21, 2018 12:30:00 PM

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Shortly after Christmas, I made my semi-annual pilgrimage to the AT&T store to pick up a new phone. As an early adopter of the original iPhone®, I’ve stayed with iOS devices over the years, but I know other manufacturers are producing amazing phones of their own. (This article is not about iPhones, it’s about the technological evolution of user authentication and what that means for financial services. If you’re not an iPhone user, this article is still for you!)

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Topics: Cybersecurity

The Future of AML and Fraud Detection and Prevention = Advanced Analytics

Posted by Tammy Bangs

Feb 14, 2018 11:00:00 AM

One of the biggest trends in our industry these days is big data. Everything is in the data – it’s right there! Can you see it?

If you are like most community banks, the answer is no. The data you have is powerful. Most businesses would kill to have that kind of access to their client’s information, history, decisions, and behaviors. It’s not for lack of information that your financial institution (FI) may struggle with regulatory compliance issues surrounding AML and fraud compliance. It’s for lack of correlation of that information. 

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Topics: Analytics, big data, fraud

Taming the Monster on Your Desk

Posted by Patrick True

Feb 9, 2018 1:30:00 PM

According to a recent study by the RadiCadi Group, the average person receives 121 emails a day while sending 40 emails in the same time span. There is no doubt that more people are competing for our time each year. This can often lead to a sense of overwhelming stress in our workplace when we cannot seem to keep pace with the glut of information we face every day. 

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Topics: Information Technology, Commercial Lending, Small Business Market, Lending, Data, fintech

The Tea Leaves Have Spoken - Making the case for more robust commercial loan growth in 2018

Posted by Terry Renoux

Feb 7, 2018 11:00:00 AM

While commercial and industrial loan volume has increased annually during the past five years, the rate of increase has continued to decline. That trend is likely to reverse in 2018. Five specific factors are in play that will cause a more robust increase during the year.

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Now Trending: The “Skinny Jeans” of Fintech for 2018

Posted by Nicole Harper

Feb 2, 2018 11:00:00 AM

Trend (think: skinny jeans)
/trend/
noun: a general direction in which something is developing or changing

Fad (think: bell-bottoms)
/fad/
noun: an intense and widely shared enthusiasm for something, especially one that is short-lived; a craze

A new year brings a fresh outlook for the year ahead, both personally and professionally. It’s a great time for reflection and for taking inventory on what to keep and what to toss away. Before I started writing this post I hit the Internet over lunch to see what’s trending in fashion to get ideas for my holiday gift card shopping spree. As I munched on my Yakisoba, I nearly lost my noodles. Here’s what some fashionistas think I should be wearing this year:

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Topics: biometrics, fintech, voice banking

New Year, New Payment Strategy? 5 Top Trends to Add to Your Payments Resolutions This Year

Posted by Jennifer Geis

Jan 31, 2018 11:00:00 AM

As we ring in the new year, we can’t help but look forward to what lies ahead. New Year’s resolutions keep us focused on our goals and help us plan for success. With such historic advances such as real-time payments, artificial intelligence, mobile wallets, and open banking, 2017 has seen unprecedented advancements in the way we pay.

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Topics: Payments, Mobile Banking

Pay No Attention to That Credit Officer Behind the Curtain

Posted by Patrick True

Jan 26, 2018 1:40:00 PM

As a risk manager for a company that licenses financial technology, you might assume that I would be a huge advocate for the latest and greatest algorithmic tools to automate small business lending decisions. Without a doubt, technology exists today to access enough information to make an informed decision regarding almost any form of commercial credit. That said, I am extremely cautious about such thinking. I believe strongly in the use of technology to enhance the credit decision process and create efficiencies. But I also believe there is a marked difference between automated credit decisions and credit decision automation. The first produces a credit decision based solely on data. The second uses data and enhanced workflows to facilitate credit decisions in an efficient manner, thus saving cost and increasing profitability. You must ask yourself a simple question. What is the smart credit decision? Simply put, it is the decision that is right for your institution.

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Topics: Commercial Lending, Small Business Market, Lending

The Data Sharing Dilemma – Opportunity or Threat?

Posted by Deborah Matthews Phillips

Jan 24, 2018 11:00:00 AM

January is strategically important for the European countries that faced this month’s PSD2 directive deadline. This requires banks to facilitate access via APIs to customer accounts, provide account information to third-party apps, and support payment initiation services upon a customer’s explicit consent. Here in the U.S., some believe open banking is coming, even without a similar mandate. (McKinsey defines open banking as a collaborative model in which banking data is shared between two or more unaffiliated parties to deliver enhanced capabilities to the marketplace.)

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Topics: Data Management, Data

Fintech and Payments Trends to Watch in 2018

Posted by Dave Foss

Jan 17, 2018 11:00:00 AM

Financial services have recently been in the national spotlight for everything from crypto currencies to data breaches – and a lot more in between. There is a shifting focus toward an enhanced customer experience, automation and security that has ushered in many new and interesting technologies. As the industry continues to keep pace with change and disruption, financial institutions must sift through the hype and pay attention to the most impactful and relevant technology movements in order to remain competitive. Below are some areas to watch in 2018.

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Topics: Financial Services Industry, Risk Mitigation, Lending

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