Take a look at what our thought leaders are saying about a variety of industry topics.
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The next evolution of self-service is person-to-person (P2P) payments, the ability to transfer funds between one person’s deposit or savings account to another person’s deposit or savings account. It seems like a small thing, but it brings a big opportunity to financial institutions, ranging from fee income to enhanced consumer loyalty. Now, more types of companies – from social networking to search engines to electronic music sites – are beginning to offer their own flavor of these electronic payment options, including P2P. Wouldn’t you rather your customers and members come to you for any service related to finance? The good news is, adding your own integrated P2P option to your Internet and mobile banking solution does not have to be risky, complex or expensive, if you make the right choice.
In today’s world of commercial credit risk management, stress testing the loan portfolio has become commonplace. Until recently, however, the concept of stress testing was new to many. This white paper covers the different types of stress testing and how they give valuable insight into an institution’s portfolio.
The ability to rate risk is at the core of what we do as lenders. It forms the basis of pricing from which nearly all revenue flows to our organization. This white paper covers some incisive strategies for effective risk rating.
June 28, 2011, the Federal Financial Institutions Examination Council (FFIEC) issued a supplement to its 2005 guidance on Authentication in an Internet Banking Environment. The 2005 guidance and 2011 supplement set forth minimal supervisory expectations for authentication controls applicable to high-risk online transactions involving access to consumer information or the movement of funds to other parties. Examiners will begin formally assessing institutions under the 2011 supplement beginning in January 2012.
Exceptions are a central element of bank lending policy. Credit policy rules are the way a bank steers lending operations toward the planned business objectives. Exceptions are violations of the rules, and they provide early-indicator warnings of lending problems. This white paper covers how tracking exceptions in aggregate can be very beneficial to a learning and adaptive organization in its quest for operational excellence.
There are few industries with an Internet presence that have all of the business and security requirements as banking. It takes a lot of people who must be professionals in their respective fields working together to get all the parts as perfect as necessary to provide a strong Internet banking presence.
This white paper offers specific principles and key steps to assist financial institutions in achieving and maintaining a competitive edge in the new market.
This white paper will provide insight into performing simulations. It will illustrate how financial institutions can utilize knowledge, as well as insights, to produce risk assessments on specific counterparties.
The focus of this white paper is on using benchmarks when conducting individual commercial counterparty risk assessments for the purpose of granting credit. It covers the different types of benchmarks, how to create your own benchmarks, and the benefits of using benchmarks.
The Housing and Economic Recovery Act of 2008 has been called the most significant piece of housing legislation in more than a generation. Its acronym, HERA, conjures up images of ancient mythology; and perhaps rightly so, as HERA is epic in both size and scope. At roughly 275 pages, the act covers everything from FHA modernization and GSE reform to tax incentives and foreclosure prevention. This article briefly summarizes some of HERA’s major provisions, highlighting some of the more controversial aspects of the new law.