One major concern for bankers is the Federal Reserve’s interest-rate outlook, surpassing credit concerns and regulatory uncertainty. It would be wise to heed Chairman Jerome Powell’s advice and accept the reality of higher interest rates for an extended period, especially as stubborn inflation has persisted.

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Liquidity is a critical component of a bank's financial stability, impacting its ability to meet short-term financial obligations and weather unforeseen economic challenges. The ideal level of liquidity for a bank is influenced by a multitude of factors, including its size, business model, risk tolerance, and regulatory obligations.

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Last year saw turmoil in the banking industry. The multiple bank failures of 2023 sparked regulatory intensity that will undoubtedly continue into 2024 and the federal agencies’ commitment to addressing key priorities before the fall election will fan the flames.

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On February 23rd, the Federal Deposit Insurance Corporation (FDIC) announced a consent order with Tennessee-based Lineage Bank regarding its third-party risk management program and financial technology (fintech) partners. This order underscores the regulatory attention on BaaS banks and fintech clients, signaling concerns about potential risks in the financial system.

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Endurance Advisory featured by ManageCFO magazine for their fractional CFO and CRO successes. Endurance provides businesses with the agility and flexibility to access tailored financial guidance precisely when it’s needed most, without the burden of maintaining a permanent, fixed-cost infrastructure.

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As business confidence rises Scott Flowers discusses how business has changed in five key areas: employees, suppliers/partners, customers, community and technology.

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Stephen Curry discuses the acceleration of digitization, and how the pandemic has forever changed how customers interact with businesses. Delaying adoption of digital will only limit your ability to compete and shorten the future of your business.

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The term “digital banking” has been in flux for at least 30 years as technology has evolved, but its essence is enabling your customers to seamlessly access financial services across devices. This includes a broad array of interactions in addition to mobile and online banking.

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It is imperative for banks of all sizes to have a stated client selection strategy. In this article, Dr. Kathleen Gowin, offers a guide for sales management and provides insights for those in the role of compliance and audit with regards to the development of a client selection strategy that fits the needs of their bank.

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Client selection strategies can be used to guide the sales organization in client acquisition. If after the implementation of your client selection strategy, you discover current client relationships that fall outside the acceptable parameters of your strategy, it may be time to exit those relationships.

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Stephen Curry provides insights around the mortgage IPO boom in his byline for National Mortgage News.

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Lenders must now deliver a seamless customer experience across all channels and devices, while also increasing their emphasis on security protocols to meet customer expectations.

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In our new normal, strategic decision-making, continuous innovation, and effective governance are the key ingredients needed in order to achieve long-term success. 

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Strong and stable earnings provide a window of opportunity to raise capital and monetize equity. 

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