Nerd's Eye View

APRIL 3, 2024

Yet, by taking a measured look at factors driving economic activity and influencing behavior, advisors can help clients face risks they can't control and (hopefully) position themselves to take advantage of opportunities as they develop. Meanwhile, a smorgasbord of potential risks threatens economic growth's "soft landing" narrative.

Economics 97

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PYMNTS

OCTOBER 14, 2020

Artificial intelligence (AI) credit risk model provider Flowcast has unveiled the Tillful platform that provides quick, complimentary and transparent credit scores in addition to access to credit offers, according to a Wednesday (Oct. 14) announcement. small- and medium-sized businesses (SMBs). "In

Credit Risk 56

Credit Risk Education Financial Data Economics 56

PYMNTS

NOVEMBER 10, 2020

It’s here now and being used to make good banks better — whether to eliminate discrimination in lending decisions, add stability to existing screening systems or drive loan growth and profits. Ensuring Inclusive Banking. He said everyone in banking — from small credit unions to giant U.S. 15M In New Funding .

Credit Risk 138

Credit Risk Math Compliance Banking 138

PYMNTS

OCTOBER 9, 2018

However, to get down to his concerns, the analyst said — per news reports such as CNBC — that the recently debuted “Square Installments” (which, as the name implies, offers payment plans) may expose the company in a way that makes it vulnerable to credit markets. economy in particular, some other numbers show the risks of, well, risk.

Credit Risk 64

Credit Risk Forecasting Numbers Accounting 64

PYMNTS

MARCH 30, 2020

Bank regulators have rolled back the Jan. 1 accounting standard known as “current expected credit loss” (CECL) in an effort to bolster loans in the wake of the coronavirus, the Wall Street Journal reported on Friday (March 27). National bank regulators — The Federal Reserve, Federal Deposit Insurance Corp.

Accounting Standards 66

Accounting Standards Banking Credit Risk Compliance 66

PYMNTS

JULY 8, 2020

AI Also Helps Manage Credit Risk. For instance, Mastercard has been using AI to help its banking partners with credit risk management, aiming to provide the right amount of credit to customers — and the smartest collections efforts — in today’s uncertain economic climate.

Credit Risk 109

Credit Risk Risk Management Securities Economics 109

PYMNTS

NOVEMBER 17, 2019

Following years of brisk expansion, China’s smaller financial institutions are seeing hard times as customers turn to larger banks and the local economy slows, the Wall Street Journal (WSJ) reported on Sunday (Nov. S&P Global analysts figure that troubled lenders make up about 4 percent of China’s total banking capital.

Banking 61

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PYMNTS

MAY 24, 2019

Baoshang Bank, based in Inner Mongolia, will be taken over by China’s banking and insurance regulator over critical credit risks, according to a report by Reuters. Takeovers of banks are rare in China, and this is the first one in almost 20 years. The bank’s non-performing loan ratio, as of December 2016, was 1.68

Banking 63

Banking Construction Credit Risk Finance 63

Barry Ritholtz

MARCH 4, 2025

The transcript from this weeks, MiB: Melissa Smith, co-Head of Commercial Banking at JPMorgan , is below. Melissa Smith is co-head of commercial banking for JP Morgan. Previously she was co-head of the bank’s Innovation Economy Group. And just to define that middle market sort of means in, in the commercial banking, right?

Banking 52

Banking Mergers and Acquisitions (M&A) Marketing Manufacturing 52

PYMNTS

DECEMBER 13, 2016

For some, this apparent change in priority signaled a major concern about the nation’s economic future — while others heralded this changing of the tide as a sign of progress. The millennials are coming — and the opportunities for banks and traditional lenders abound in that coming wave. Millennial homeownership rates — for those 75.4

Credit Risk 84

Credit Risk Banking Marketing Economics 84

PYMNTS

JANUARY 6, 2021

With no credit scores, limited financial transaction histories, and a huge amount of people who don’t even have a bank account, lending money in Vietnam is no simple task. As Niparts explains it, the more consumers use Jeff, the more data they can gather to build a better credit score and in turn support additional future lending. “We

Analyzing Data 129

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PYMNTS

JUNE 1, 2020

invoice insurance provider Nimbla is teaming up with the credit risk assessment firm Wiserfunding , according to a report in Crowdfund Insider on Friday (May 29). s SMEs if they combine the various innovations from the FinTech space, insurance and risk management sectors.”.

Invoicing 67

Invoicing Risk Management Credit Risk Economics 67

PYMNTS

JULY 26, 2017

Treasury’s Office of the Comptroller of the Currency (OCC) has again released its report on top risks facing banks, with its Spring 2017 analysis warning FIs that threats are coming from all angles. The federal banking system is, and should be, a source of strength for the nation and its economy.

Banking 46

Banking Compliance Currencies Concentration 46

Future CFO

MARCH 16, 2023

At annual meetings of China's (A1 stable) top legislative and advisory bodies, policymakers set an economic growth target for 2023 of 5%, which Moody’s said is in line with its growth forecast. This will limit the increase in RLG debt risk in China and leverage risk for state-owned infrastructure companies, the firm added.

Credit Risk 52

Credit Risk Economics Budgeting Forecasting 52

Future CFO

MARCH 2, 2021

The China Banking and Insurance Regulatory Commission recently said all fintech platforms that offer banking services must comply with the same capital requirements as those imposed on traditional lenders. The regulator has set different deadlines for different financial services with the longest grace period of no more than two years.

Credit Risk 52

Credit Risk Economics Banking Securities 52

PYMNTS

DECEMBER 28, 2020

Third-party service providers that can sit between the buyer and supplier, for example, facilitate a payment delay for the buyer while taking on the trade credit risk for the supplier. But as B2B FinTech continues to evolve, new payment workflows will surface to address these issues.

B2B 81

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PYMNTS

DECEMBER 19, 2016

But it’s the recently published groundbreaking research by Raj Chetty, professor of economics at Stanford, and several other of his academic colleagues that finally put a pin in the fact that the generation that every brand is desperately trying to woo is, by and large, broke and is unlikely to ever attain the earnings potential of their parents.

Advertising 88

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PYMNTS

MARCH 10, 2020

“Inaccurate and slow credit risk assessment for [small- to medium-sized business (SMB)] commercial loan requests is one of the major reasons that over 50 [percent] of loans are currently declined by financial institutions (FIs),” said Roger Vincent, chief innovation officer at Trade Ledger.

Credit Risk 52

Credit Risk Risk Management Economics Finance 52

PYMNTS

JANUARY 7, 2021

This success has laid the groundwork for traditional banks to now build upon this digital foundation with an array of technologies and tools, sometimes proprietary and sometimes offered by third parties, to optimize various workflows. The fraud risk, but also the credit risk, the dilution rate and other financial stresses.

Finance 70

Finance Credit Risk Banking Compliance 70

PYMNTS

APRIL 24, 2020

Royal Bank of Canada ( RBC ) recently launched digital government identity verification features, letting customers verify their identities for account opening via its RBC mobile app. The Race To The Cloud: Will Digital Banks Win? Why AI’s Early Adopters Are Laser-Focused On Credit Risk And Payments. Trackers and Reports.

Credit Risk 56

Credit Risk Entertainment Banking Accounting 56

Corporate Finance Lab

NOVEMBER 8, 2023

While research extensively covers the effects of tax and interest policies on entrepreneurship, the impact of insolvency laws remains underexplored in law and economics scholarship. Therefore, to finance growth, a firm will most likely go to banks and trade creditors.) unpaid wages), and the government (e.g.,

Finance 56

Finance Economics Restructuring Banking 56

PYMNTS

MAY 1, 2020

savings rate surged in March due to the shaky coronavirus economy, and big banks have processed almost 500,000 applications for the second round of Paycheck Protection Program (PPP) loans. A Bureau of Economic Analysis report released on Thursday (April 30) indicated the savings rate escalated to 13.1 In today’s top news, the U.S.

Credit Risk 56

Credit Risk Banking Economics Planning 56

Future CFO

MARCH 23, 2020

The coronavirus outbreak and the related oil price shock will lower sovereigns' economic and fiscal strength, increase weaker sovereigns' vulnerability to shifts in sentiment and expose weaknesses in domestic and international institutions, Moody's Investors Service said recently.

Credit Risk 52

Credit Risk Economics Finance Banking 52

PYMNTS

NOVEMBER 19, 2019

Banks and credit unions that handle their own credit card programs are also likely to face another challenge in the near term. The economic consensus is that we are not going to get much better than now,” Geeslin said, joining those voices that are predicting an economic slowdown. Near-Term Challenges.

Mergers and Acquisitions (M&A) 56

Mergers and Acquisitions (M&A) Compliance Construction Credit Risk 56

CFO Talks

AUGUST 21, 2024

This is particularly important for sectors like banking, where managing credit risk is a key focus. Practical Example: Imagine a bank that issues loans to customers. Previously, the bank would recognise losses only when there was evidence of default.

IFRS 52

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PYMNTS

FEBRUARY 22, 2019

has reached pre-2008 levels, meaning banks are facing risk that is elevated above what has been seen since the financial crisis. The good news, according to Moody’s, is that at this point, their credit analysis of the banking segment indicates that those risks are “contained” over the next 12-18 months. .

Leverage 46

Leverage Credit Risk Valuation Banking 46

PYMNTS

MARCH 18, 2016

One thousand businesses responded to the Coface survey, which aimed to look at corporate credit risk mitigation, according to reports. The results, released Thursday (March 17), pointed to slowing economic growth in the country as compounding this issue, which could lead to worse problems for 2016 and beyond. “It

Invoicing 40

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PYMNTS

JUNE 24, 2019

That sentiment was reflected in part by the Bank for International Settlements (BIS), which said this past weekend that there should be coordinated regulations on cryptocurrencies. The Bank of England approaches Libra with an open mind but not an open door,” Carney said, as quoted in Reuters.

Currencies 51

Currencies Credit Risk Banking Economics 51

PYMNTS

NOVEMBER 9, 2016

Through Circle, a user can connect the bank account they have to fund payments, and the recipients then receive those payments instantly. Doing that meant that Circle had to build out an AI-powered risk engine that allows it to make 90 percent of its risk and compliance decisions with machines rather than relying on compliance people.

Currencies 75

Currencies Compliance Communication Credit Risk 75

PYMNTS

DECEMBER 10, 2016

The consumer credit market has huge potential — trillions and trillions of dollars — and I wanted to ride that winner. Lending Club’s model does not need bank branches on each street corner, and it can turn around in minutes and hours, not days. banks at the time. The Trouble With “Not Being A Bank”.

GAAP 73

GAAP Compliance Valuation Auditing 73

Future CFO

MARCH 20, 2023

Such trends in payment behaviours would lead to higher liquidity risk in the system. Overall, 17% of companies worldwide are paid after 90 days while suppliers’ role as the invisible bank is coming back in full force. Just in time to just in case. Liquidity matters.

Credit Risk 52

Credit Risk Transportation Invoicing Economics 52

Future CFO

SEPTEMBER 20, 2023

The World Payments Report 2023 draws on insights from two primary sources – the Global Large Businesses Survey 2023 and the Global Banking and Payments Executive Surveys and Interviews 2023, according to the firm. Global non-cash transaction volumes will reach 1.3

Cash Management 52

Cash Management Treasury Credit Risk Retail 52

Future CFO

AUGUST 6, 2020

Fluid economic and health conditions add uncertainty to the credit outlook, with stimulus measures providing corporates with only partial relief, the credit rating agency observed. However, if new widespread outbreaks take place, there will be renewed economic disruptions, Lau said. in 2020, up from 1.1%

Credit Risk 40

Credit Risk Economics Forecasting Banking 40

PYMNTS

MAY 13, 2019

We’ve even seen the “taming the big banks and protecting the little guy by capping credit card interest rates” movie before. The basic economics are pretty simple. Many people need credit to get by — to smooth out income, to handle an emergency expense, to finance an essential household purchase.

Credit Risk 78

Credit Risk Banking Finance Sales 78

PYMNTS

FEBRUARY 14, 2019

But there’s another debt wave rising to new heights – and it, too, has sounded alarms over its potential to impact, and be impacted by, economic growth. According to Gavekal Research Founding Partner and Chief Executive Officer Louis-Vincent Gave, this fact marks the largest source of potential economic instability.

Economics 49

Economics Credit Risk Investments Marketing 49

PYMNTS

MAY 1, 2019

trillion trade credit gap to the continued reliance on paper trade documents and invoices, often the first hurdle that must be tackled is how to find the right corporate customers. The strength of economic growth in the Southeastern U.S. That’s where connecting banks with key trade information comes into play, he said.

Foreign Exchange 55

Foreign Exchange Finance Credit Risk B2B 55

PYMNTS

JUNE 1, 2016

It’s also the basis for how Mike Cook, CEO & Founder of XOR Data Exchange, is using data aggregation to manage SMB credit risk, fight fraud and put consumers back in control of their identity. The company’s Compromised Identity Exchange was launched two weeks ago at the request of a large bank that had customer records compromised.

Credit Risk 40

Credit Risk Communication CFO Accounting 40