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SRM Perspectives on Key Industry Trends

Consumer Lending – A Growth Opportunity for Banks and Credit Unions with a Plan

Posted by Simon Rose on Jan 9, 2024 11:05:00 AM

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Growth-focused companies rarely get excited about sectors with slow compound annual growth rates.

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Topics: Consumer Lending, Strategy, Distribution Channel, Product Proposition, Consumer Banking

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

Collaboration, Expanding Services, and Emerging Tech: Six Takeaways from Money 20/20

Posted by Larry Pruss on Nov 2, 2023 11:27:00 AM

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After attending my first Money 20/20 conference I came away with an insightful experience filled with thought-provoking discussions on the future of finance. Over four jam-packed days, I captured notes from 16 sessions covering a wide swath of topics that are sure to (re)shape financial services.

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Topics: Vendor Contract Negotiation, Artificial Intelligence, Bank Vendor Management, Credit Union Vendor Management, Crypto, instant payments

Debit Interchange Finds Itself in the Fed's Crosshairs

Posted by Myron Schwarcz and Keith Ash on Oct 31, 2023 11:02:00 AM

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Most of this year's chatter surrounding card interchange has centered on the prospects for the Credit Card Competition Act's passage. While this pending legislation remains on the watch list, the plot has taken a sudden twist. The Federal Reserve, at an October 25 meeting, pulled debit interchange squarely back onto center stage.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Durbin Amendment, Debit Cards, Interchange Fees

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

Finding the Right Partners Matters with Card Conversions

Posted by Jeff Ostheimer on Oct 3, 2023 11:03:00 AM

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The financial landscape evolves fast, with banks and credit unions constantly seeking ways to enhance their services, stay competitive, and comply with laws and regulations. One significant challenge they face is the conversion of their card processors – a complex and mission-critical task that can benefit from the expertise of a consulting partner.

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Topics: Fintech, Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Credit Cards, Card Processing, Debit Cards

Reputation Matters When Evaluating Transformation Initiatives

Posted by Simon Rose on Sep 28, 2023 11:05:00 AM

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Reputation. It’s the single most important factor for any organization and should always be a key consideration for financial institutions evaluating any strategic, operational, and technology initiatives.

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Topics: Technology, Innovation, Fintech, Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Transformation, Reputation

FedNow Assures Wholesale Adoption of Instant Payments

Posted by Dean Nolan on Sep 21, 2023 3:00:00 PM

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Instant payments have been on the radar for some time – The Clearing House’s RTP Network has been operational since late 2017. But the Federal Reserve’s launch of FedNow, the second instant payments network in the US, has reshaped the landscape – shifting the dialogue from “if instant payments will take hold” to “when and how will they take hold.” This was evidenced when over 1,750 people joined the Fed’s recent town hall on the topic – a potent indicator of market interest.

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Topics: Bank Vendor Management, Credit Union Vendor Management, FedNow, Real-time payments, RTP Network, instant payments

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