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SRM Perspectives on Key Industry Trends

The State of the Consumer Financial Protection Bureau in 2024: Navigating New Regulations and Industry Dynamics

Posted by Neil Dougherty on Jul 2, 2024 11:44:23 AM


The landscape of US financial regulation is continually evolving. At the heart of this transformation is the Consumer Financial Protection Bureau (CFPB), an agency tasked with overseeing and enforcing consumer protection laws within the financial sector.

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Topics: Technology, Regulations, CFPB, Consumer Financial Protection Bureau, Financial Institutions, Data Protection

Tracking Opportunity and Growth in the Commercial Payments Market

Posted by Dean Nolan on May 16, 2024 11:17:00 AM

Tracking Opportunity & Growth in the Commercial Payments Market

The outlook for the commercial payments market is strong. Volumes are projected to grow at a 14% average annual rate over the next five years, offering a prime opportunity for financial institutions to drive margin and deepen corporate customer relationships amid an uncertain economic environment marked by margin pressures and increasing regulatory headwinds.

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Topics: FedNow, RTP, instant payments, Commercial Payments, B2B Payments

Examining the EU’s AI Act & Its Broader Implications

Posted by Simon Rose on Apr 30, 2024 11:09:00 AM

Examining the EUs AI Act & Its Broader Implications

Aspects of artificial intelligence have been gradually introduced into business settings for years, starting with robotic process automation and continuing into fraud detection systems, CRM tools, and other varieties of knowledge management.

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Topics: AI, Artificial Intelligence, Financial Services, EU, European Union, Financial Institutions

Take a Longer View of Your Critical Vendor Contracts

Posted by Ben Mrva on Mar 28, 2024 11:17:00 AM


Any bank or credit union executive who’s taken part in critical vendor contract reviews, RFPs, negotiations, and renewals knows that the process can be cumbersome at best.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Credit Union Vendor Management, Bank Contracts, Credit Union Contracts, Contract Optimiziation

What’s at Stake in Banking & Payments with Capital One’s Purchase of Discover?

Posted by Myron Schwarcz and Andrew Gordon on Mar 14, 2024 11:25:00 AM


Plenty of ink has been spilled on Capital One’s bold move to acquire Discover Financial Services, with most of it revolving around combining two large credit card issuers and the odds of the deal securing regulatory approval.

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Topics: Interchange, Mergers, Credit Cards, Durbin, Debit Cards, Capital One, Debit Network, Discover

Setting the Table for Balance Sheet Growth When Interest Rates Fall

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


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


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


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


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


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

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