Fintech Labs Insights

APRIL 12, 2024

Long before fintech was a thing (1995), I launched the first, and by most measures the biggest, newsletter during the first two decades of online/digital banking. It was called Online Banking Report and was read by a sizable portion of major industry players. And each January, we ranked all previous recipients into a master list.

Online and Mobile Banking 15

Online and Mobile Banking Innovation FinTech NOV 15

PYMNTS

NOVEMBER 27, 2018

They’re also taking their toll on the non-bank mortgage lenders that proliferated in the good old days of zero or near-zero interest rates, compliments of the Federal Reserve. The Incredible Shrinking Non-Bank Mortgage Lending Market. Instead, they often rely on short-term bank loans – now also at a more expensive rate.

Non-Bank 46

Non-Bank Underwriting Federal Reserve Origination 46

PYMNTS

DECEMBER 23, 2016

“Just over a decade ago, checks were the predominant type of noncash payment in the United States, while, one by one, starting in 2007, non-prepaid debit card, then credit card, and then ACH payments (with debit transfers and credit transfers combined) overtook check.”. billion in that timeframe. billion in that timeframe.

Debit Card 40

Debit Card Federal Reserve Chip Cards CHIPS 40

PYMNTS

APRIL 17, 2018

Interest rates plummeted as the Fed held the federal funds rate at zero in the hopes of stimulating lending in an environment where credit went from dangerously free-flowing to dangerously non-existent in the span of a few months. Big banks have moved away from the segment in general — and from subprime borrowers in specific.

Non-Bank 55

Non-Bank Finance Risk Fed 55

PYMNTS

DECEMBER 10, 2016

Lending Club’s model does not need bank branches on each street corner, and it can turn around in minutes and hours, not days. I crossed paths with Laplanche back in 2007 and wanted to back him right away,” Petrushka said. banks at the time. The Trouble With “Not Being A Bank”.

Non-Bank 73

Non-Bank Compliance Push-to-Card Origination 73

PYMNTS

NOVEMBER 14, 2017

These conclusions are diametrically opposed to those released jointly just a few months ago by the Chicago and Philadelphia Fed economists, who determined that online lenders serve those who are systemically underserved by traditional financial channels and benefit greatly from their services. Cleveland’s Dark Outlook.

Fed 40

Fed Federal Reserve Regulations Small Business 40

CB Insights

OCTOBER 26, 2020

In 2006, investment banks were at the top of the finance world. After the collapse of Lehman and Bear Stearns and the global financial crisis that ensued, the business models of the world’s biggest investment banks needed to change. As a result, banks are facing dropping IPO profits. Some banks have collapsed.

Underwriting 78

Underwriting Research Online and Mobile Banking Non-Bank 78