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SRM Perspectives on Key Industry Trends

Setting the Table for Balance Sheet Growth When Interest Rates Fall

Posted by Tim Keith on Feb 22, 2024 11:15:00 AM

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Though it is unclear how far the Federal Reserve might go, or when it might act, there is a growing consensus that interest rates will start to come down later this year.

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Topics: Deposits, Loans, Customer Experience, Balance Sheet Management, Interest Rates, CDs, Money Market Accounts

A Path to Improve Customer Experience

Posted by Simon Rose on Feb 14, 2024 11:18:00 AM

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We made the case in a recent blog that banks and credit unions should take a closer look at their consumer lending strategies. With $32 billion of volume in 2023, there has been no shortage of opportunity, spanning existing and prospective customers.

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Topics: Regulation, Compliance, Efficiency, Credit Union, Customer Experience, Outcomes Bank

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

Operational Agility Will Be Critical in 2024

Posted by Neil Dougherty on Jan 31, 2024 11:03:00 AM

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Bankers have entered what many view as a challenging year for financial institutions of all sizes. There is plenty of uncertainty surrounding the regulatory environment, credit quality, and the Fed’s plans for interest rates.

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Topics: Innovation, Fintech, Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Expenses, Profit, Core Contracts

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

Delay Deploying Instant Payments at Your Own Risk

Posted by Dean Nolan on Jan 17, 2024 11:02:00 AM

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We've heard several financial institutions intend to delay deploying instant payments capabilities, such as FedNow and The Clearing House's RTP Network, until 2025 as part of broader cost-control initiatives.

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

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

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

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