Printer-friendly version (PDF) The digital revolution requires that banks partner with vendors in an ever increasing array of areas, including digital applications, LOS, payments, credit analysis, risk management, marketing analytics,…
Printer-friendly version (PDF) This year’s American Banker Small Business Conference, just concluded in wonderful Nashville, may have been the best I’ve ever attended. There was more electricity in the air…
Printer-friendly version (PDF) The American Banker’s Small Business Banking Conference begins this week. Reviewing the key topics being covered provides some insights into the issues that are top of mind….
Printer-friendly version (PDF) This week we continue our conversation with Sandy Berry in which he comments on leadership in banking and the changes bankers should consider. As with the last…
Printer-friendly version (PDF) This newsletter begins an occasional series of interviews with former bankers. Each interview will feature a senior banker’s reflections on the changes that have and are occurring…
Printer-friendly version (PDF) As discussed in FIC’s last newsletter, we all know that almost all banks (roughly 99% of the total number) lose money on small business loans. The difficulty…
Printer-friendly version (PDF) Banks lose money from small business loans, typically, loans below $250,000. Not all banks, of course. But all banks except maybe five-ten of the biggest banks that…
Printer-friendly version (PDF) Want a “secret sauce” that will lift revenues, reduce origination costs and operating expenses, and increase credit quality? Over past decades everything from TQM to CRM to,…
Printer-friendly version (PDF) As outlined in two earlier FIC newsletters, the Deep State within banks (in short, bureaucrats, inflexible rule setters, innovation killers,) slows decision making, increases operating costs, marginalizes…
Printer-friendly version (PDF) Last week this newsletter focused on discussing the existence of a Deep State in banking that, in its own way, is every bit as powerful as the…