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SRM Perspectives on Key Industry Trends

Paul Davis

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Liquidity, Regulatory Uncertainty, and Fintech Emerge as Major Themes at Annual Conference

Posted by Paul Davis on Feb 6, 2024 11:09:00 AM

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Bank Director’s Acquire or Be Acquired Conference remains a prime-time event for understanding the ever-evolving dynamics in the banking industry (beyond the prominent M&A theme) and copious amounts of networking. Over the four-day conference, there were more than 2,000 attendees this year – and the SRM contingent did its best to connect with as many industry pros as possible.

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Topics: Bank Vendor Management, Credit Union Vendor Management, Deposits, Hiring, Regulation, liquidity, Risk Management, Fintech Contract Negotiation

Prepare Now for CFPB Clampdown on Overdraft, NSF Fees

Posted by Paul Davis on Jan 25, 2024 11:07:00 AM

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The CFPB has proposed a rule to limit overdraft charges at larger U.S. banks and credit unions – though financial institutions of all sizes should take note.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Fee Income, CFPB, Regulation, Overdraft Fees, NSF Fees, Service Charges

How to Gain an Edge Making 2024 Financial Targets

Posted by Paul Davis on Jan 16, 2024 11:15:00 AM

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Financial institution executives who found 2024’s budget cycle particularly vexing are in good company. The unrelenting pace of technology, regulatory, and economic change makes allocating resources and meeting financial goals especially challenging. Time will tell if this is simply the “new normal,” but most internal processes have yet to adapt to these new demands.

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Topics: Digital Banking, Vendor Contract Negotiation, AI, Artificial Intelligence, Bank Vendor Management, Credit Union Vendor Management, Interchange, Regulation, Debit Cards

Evolving Payments Landscape and Rise of AI Were Top of Mind in 2023

Posted by Paul Davis on Dec 20, 2023 11:02:00 AM

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SRM's experts spent much of 2023 tracking emerging developments in technology, regulation, and general trends in the financial markets.

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Topics: Payments, Vendor management, AI, Artificial Intelligence, Deposits, Regulation, liquidity, Interchange Fees

Preparing for a Year of Significant Regulatory Change

Posted by Paul Davis on Dec 7, 2023 11:17:00 AM

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Financial institutions must be ready for a bevy of new regulations in 2024.

All major federal bank regulators (the Federal Deposit Insurance Corp., Office of the Comptroller of the Currency, the Federal Reserve, and the Consumer Financial Protection Bureau) have sought comments for proposed rules during the second half of this year. They cover many topics, including corporate governance, capital, liquidity, and artificial intelligence.

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Topics: Vendor management, AI, Artificial Intelligence, Deposits, Regulation, liquidity, Corporate Governance, Capital

Credit Quality Could Be Next Earnings Headwind

Posted by Paul Davis on Nov 29, 2023 11:05:00 AM

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Credit quality will become a bigger part of the conversation as banks and credit unions head into the homestretch of 2023.

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Topics: Net Income, Credit Quality, Changeoffs, Loan-Loss Provision, Earnings, Risk Management

Uncertainty & Determination: Bankers’ Reality Check for 2024 and Beyond

Posted by Paul Davis on Oct 17, 2023 11:27:00 AM

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The year ahead will bring a host of unknowns – including legislative and regulatory intervention, the resiliency of credit quality, and an unclear economic trajectory. A murky outlook will make it challenging for banks to determine a strategic course of action without hesitation.

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Topics: Revenue, Deposits, Expense Management, Regulation, Client Management, Credit Quality

Key Considerations with the Official FedNow Launch

Posted by Paul Davis on Aug 15, 2023 11:05:00 AM

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The official launch of the Federal Reserve’s FedNow platform on July 20 culminated a four-year undertaking by the central bank.

While the payments world didn’t change overnight, the launch has raised the potential for new use cases. I previously shared my thoughts on what financial institutions should consider in terms of real-time payments.

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Topics: Payments, Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, FedNow, Real-time payments, RTP Network

Tips for the Tech-Focused Financial Institution

Posted by Paul Davis on Jul 19, 2023 11:07:00 AM

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This year is proving to be pivotal for tech-focused banks and credit unions.

Real-time payments will get a shot in the arm from FedNow’s debut, while Banking-as-a-Service (BaaS) is plugging more fintechs into mainstream financial services. Still, the failures of Silicon Valley Bank and Signature Bank created challenges for some early-stage companies.

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Topics: Fintech, Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Banking-as-a-Service, Real-time payments, Venture Capital

Five Takeaways from the Fintech + Insurtech Generations Conference

Posted by Paul Davis on Jun 22, 2023 11:32:00 AM

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I recently attended the Fintech + Insurtech Generations conference in Charlotte, N.C., which brings together visionaries across the broad spectrum of finance and technology.

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Topics: Payments, Open Banking, Digital Assets, Blockchain, Regulation

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