Baker Hill Prosper 2017 - Lending Trends: Are You Current or Lagging?Baker Hill
presented by Mike Horrocks and co-presented by Gary Shaffer of Pinnacle Financial Partners and Keith Cleary of ESL Credit Union
A panel discussion on key trends in the marketplace that impact your lending processes. Discover how you can leverage your strength or pivot to capitalize on new opportunities that we will identify during this lively discussion. We will cover the impact of mobile, millennials, and big data in the lending environment just to name a few.
Baker Hill Prosper 2017 - Grow, Optimize, Protect: Using Business Intelligenc...Baker Hill
Presented by James McHale
Regional community banks and credit unions understand they must outperform their national brand competitors when it comes to fully engaging their customers -- but sometimes overlook their direct and/or online-only banking counterparts. This session showed how advanced analytics tools provide unique actionable insights which, when coupled with a sustained marketing strategy, help them compete more effectively to maximize customer acquisition, engagement and retention -- and most importantly profit.
Best Practices in Risk Ratings & Credit ReviewsBaker Hill
Every credit is unique but your risk rating approach should not be. A standardized approach to risk ratings and reviews gives your organization an advantage in how to manage risk in your loan portfolio. Come listen to this panel of experts as they share best practices on how they establish, adjust, and execute risk ratings in their financial institution.
Understanding the Full Lending Performance CycleBaker Hill
Most people see only one piece of the financial institution’s inner workings. This session will outline the full lending cycle and where performance is measured throughout
Baker Hill Prosper 2017 - Lending Trends: Are You Current or Lagging?Baker Hill
presented by Mike Horrocks and co-presented by Gary Shaffer of Pinnacle Financial Partners and Keith Cleary of ESL Credit Union
A panel discussion on key trends in the marketplace that impact your lending processes. Discover how you can leverage your strength or pivot to capitalize on new opportunities that we will identify during this lively discussion. We will cover the impact of mobile, millennials, and big data in the lending environment just to name a few.
Baker Hill Prosper 2017 - Grow, Optimize, Protect: Using Business Intelligenc...Baker Hill
Presented by James McHale
Regional community banks and credit unions understand they must outperform their national brand competitors when it comes to fully engaging their customers -- but sometimes overlook their direct and/or online-only banking counterparts. This session showed how advanced analytics tools provide unique actionable insights which, when coupled with a sustained marketing strategy, help them compete more effectively to maximize customer acquisition, engagement and retention -- and most importantly profit.
Best Practices in Risk Ratings & Credit ReviewsBaker Hill
Every credit is unique but your risk rating approach should not be. A standardized approach to risk ratings and reviews gives your organization an advantage in how to manage risk in your loan portfolio. Come listen to this panel of experts as they share best practices on how they establish, adjust, and execute risk ratings in their financial institution.
Understanding the Full Lending Performance CycleBaker Hill
Most people see only one piece of the financial institution’s inner workings. This session will outline the full lending cycle and where performance is measured throughout
The Need for Analytics and the Value of Understanding Profit RiskBaker Hill
The session will outline the reasons for implementing a data analytics program to identify strengths, weaknesses, opportunities and threats. We will investigate the method used in Baker Hill Analytics to calculate profitability at each level of the institution.
In a competitive environment, just giving the customer a good rate may not be enough. Financial institutions must value the complete relationship in order to understand how valuable that customer truly is.
Strategic Alignment, Structure, and Managing ChangeBaker Hill
When we talk about “centralizing” in business and commercial banking, its often received with a negative connotation. Centralization to many implies reorganizations and layoffs. This session is intended to educate attendees on centralization initiatives, communicate the potential upside, potential downside, and dispel myths that are often associated with this dichotomy. The session will also discuss if and when centralization efforts should be contemplated by financial institutions, steps/best practices in doing so, potential change management/cultural implications, and what parts of the organization should be involved. Lastly, the session will secondarily address portfolio segmentation efforts necessary to achieve efficiencies.
How trade spend affects eligibility of debt financingTradeInsight
Solid and ongoing management of trade spending is critical in order to qualify for, and reap the optimal benefits of debt financing. Banks and finance houses offering credit lines, asset-based lending and factoring will often thoroughly analyze both a company's actual trade spend results and its ability to keep those expenses under control and/or predictable into the future.
A new affordable web-based tool for managing complex relationships and compliance for companies. Currently helping banks and financial institutions scale their vendor monitoring compliance.
Commercial Lending Trends that Drive Sound Credit for High Performing PortfoliosBaker Hill
In this session, we will review current commercial lending trends, discuss proactive efficiency strategies and highlight a bank realizing gains based upon those strategies.
MDEC Fintech Conference - A Look into Bank's Fintech Initiatives (RHB)iTrain
Check out the video of this presentation and the rest at www.itrain.com.my/fintech-bootcamp
Interested to get a fintech idea started but don't know how to start? Then join the FREE MDEC Fintech Masterclass on October 3-4. To enter just tell us about your Fintech idea!
Apply here: bit.ly/fintech-master
More information about the complete Fintech Bootcamp: www.itrain.com.my/fintech-bootcamp/
The Need for Analytics and the Value of Understanding Profit RiskBaker Hill
The session will outline the reasons for implementing a data analytics program to identify strengths, weaknesses, opportunities and threats. We will investigate the method used in Baker Hill Analytics to calculate profitability at each level of the institution.
In a competitive environment, just giving the customer a good rate may not be enough. Financial institutions must value the complete relationship in order to understand how valuable that customer truly is.
Strategic Alignment, Structure, and Managing ChangeBaker Hill
When we talk about “centralizing” in business and commercial banking, its often received with a negative connotation. Centralization to many implies reorganizations and layoffs. This session is intended to educate attendees on centralization initiatives, communicate the potential upside, potential downside, and dispel myths that are often associated with this dichotomy. The session will also discuss if and when centralization efforts should be contemplated by financial institutions, steps/best practices in doing so, potential change management/cultural implications, and what parts of the organization should be involved. Lastly, the session will secondarily address portfolio segmentation efforts necessary to achieve efficiencies.
How trade spend affects eligibility of debt financingTradeInsight
Solid and ongoing management of trade spending is critical in order to qualify for, and reap the optimal benefits of debt financing. Banks and finance houses offering credit lines, asset-based lending and factoring will often thoroughly analyze both a company's actual trade spend results and its ability to keep those expenses under control and/or predictable into the future.
A new affordable web-based tool for managing complex relationships and compliance for companies. Currently helping banks and financial institutions scale their vendor monitoring compliance.
Commercial Lending Trends that Drive Sound Credit for High Performing PortfoliosBaker Hill
In this session, we will review current commercial lending trends, discuss proactive efficiency strategies and highlight a bank realizing gains based upon those strategies.
MDEC Fintech Conference - A Look into Bank's Fintech Initiatives (RHB)iTrain
Check out the video of this presentation and the rest at www.itrain.com.my/fintech-bootcamp
Interested to get a fintech idea started but don't know how to start? Then join the FREE MDEC Fintech Masterclass on October 3-4. To enter just tell us about your Fintech idea!
Apply here: bit.ly/fintech-master
More information about the complete Fintech Bootcamp: www.itrain.com.my/fintech-bootcamp/
Fintech overview for HEIG-VD lecture, December 2016Jérôme Vasamillet
Hello, I'd like to share a presentation I prepared for a lecture at the HEIG-VD engineering and management school in Switzerland, focusing on Fintech with a Global and Swiss overview. Being a long lecture in front of students in International Innovation Management, it looks at Fintech under various angles, and also presents the Startup Weekend Fintech Geneva which I co-organize, as a pre-Fintech startup experience. Hope you enjoy the pack! Jérôme.
Accelerating the change: London FinTech 2015-2016 Trend ReportStartupbootcamp
This report highlights the most important trends of 2015 within the FinTech space and looks forward to what we can expect to see in 2016. As more startups enter the market there is increasing need to understand this shift and monitor what is happening.
The Wealthfront Equity Plan (Stanford GSB, March 2016)Adam Nash
This is a version of the presentation explaining the Wealthfront Equity Plan, a playbook for CEOs & Founders of hyper growth startups on the right way to distribute equity compensation to employees. Based on the original deck by Andy Rachleff, co-founder of Wealthfront.
Habits at Work - Merci Victoria Grace, Growth, Slack - 2016 Habit SummitHabit Summit
Presented at the 2016 Habit Summit at Stanford (see: www.HabitSummit.com)
Merci Victoria Grace leads the Growth team at Slack.
Prior to joining Slack, she started a venture-backed game company, designed The Sims Social at Electronic Arts, and worked at a range of consumer, mobile and enterprise startups.
Here she shares insights on putting "Habits to Work at Work".
Building an enduring, multi-billion dollar consumer technology company is hard. As an investor, knowing which startups have the potential to be massive and long-lasting is also hard. From both perspectives, identifying companies with this potential is a combination of “art” and “science” — the art is understanding how products work, and the science is knowing how to measure it. At the earliest stages of a company, it comes down to understanding how a product is built to maximize and leverage user engagement.
In this presentation, Sarah Tavel shares her "Hierarchy of Engagement" framework she uses to evaluate non-transactional consumer companies she is looking to invest in.
10 Best Practices of a Best Company to Work ForO.C. Tanner
What does it take to be named a Best Company to Work for by FORTUNE magazine? For starters, a winning culture, collaboration, and creating an environment for learning and growth. Take a look at these slides for more ideas!
So you've built a great product. Everyone is happy, the team is stoked and the only thing left to do is regularly check the bank account to see if it's growing steadily...right?
Of course the reality couldn't be more different if it wanted to. Getting a person to use your product or service is often one of the most difficult challenges any business will face. Especially when those people will need to pay for that product or service.
When you've built a reputation and boast a solid user base things are much smoother, but those first customers...
This SlideShare does not promise success, but hopefully it'll inspire you to close those first deals. Good luck!
www.floown.com
14 Tips to Entrepreneurs to start the Right StuffPatrick Stähler
14 tips for Entrepreneurs how they can develop from an idea the Right Thing. The Right is being loved by your customers, gives meaning to you and employees and is profitable. Finding and later doing the Right Thing is an agile and iterative learning journey. With these 14 tips you can profit from the experience of successful entrepreneurs since you do not have to experience and fail by yourself. Hopefully, the slide deck helps other entrepreneurs.
Recovery: Job Growth and Education Requirements Through 2020CEW Georgetown
Recovery: Job Growth and Education Requirements Through 2020: Projections of jobs and education requirements through 2020. This report shows where the jobs will be by education level, occupation and industry. Recovery 2020 is an update to our Help Wanted: Projections of Jobs and Education Requirements Through 2018.
3 hard facts shaping higher education thinking and behaviorGrant Thornton LLP
Expansion in tuition, enrollment, faculty, buildings, and everything else ― is fast becoming a thing of the past. Institutions will have to carefully pick initiatives, making clear choices about what to do and, most significantly, what not to do. Download 2016 State of higher education >> http://gt-us.co/1UbUF56
African Americans: College Majors and Earnings CEW Georgetown
While college access has increased among African Americans, they are overrepresented in majors that lead to low-paying jobs. In our new report, African Americans: College Majors and Earnings shows that African Americans are underrepresented in the number of college majors associated with the fastest growing, highest-paying occupations. Read the full report: http://bit.ly/20M28d1
The Online College Labor Market: Where the Jobs Are More than 80 percent of job openings for workers with a bachelor’s degree or higher are posted online. This report analyzes the demand for college talent in the job market by examining online job advertisements for college degree-holders by education, occupations, and industries.
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
Mercer Capital's Value Focus: FinTech Industry | Second Half 2016Mercer Capital
Mercer Capital’s newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
Webcast Presentation - What's in your (e) Wallet? Transforming payments and t...GRUC
Payments and transactional services present multiple ‘moments of truth’ for demanding clients who are often interacting with us anytime and anywhere. For financial services organizations, the 24/7 nature of the industry and its intense competition have made innovation and optimization of these capabilities critical. Learn about the experiences of IBM clients in transforming their payments and transactional services with IBM Rational DevOps capabilities.
See how banks, brokerages and insurance firms are aligning the life cycles of legacy back offices with the agile sprints of the mobile payments development shops and value-added technology partners.
Presented by:
Bruce Baron, Financial Services Sector Offerings Leader, IBM
Bruce Baron serves as the Offerings Lead for IBM Rational for the Financial Services Sector. Bruce and his team set the strategy, define our offerings and work to drive a collaborative cross-functional team of sales, marketing, enablement and development in assisting clients with solving business issues by bringing to bear all product segments and IBM brands. Prior to IBM Rational Bruce was a Strategy Consultant to Financial Services clients and has years of client experience as an e-business and six-sigma consultant in Financial Services at GE Capital.
Peter Eeles, Financial Services Sector Industry Lead, IBM Rational Worldwide Tiger Team, IBM
Peter Eeles is Industry Lead for the Financial Services Sector in IBM Rational's Worldwide Tiger Team, where he helps organizations improve their software development and delivery capability. This is often in conjunction with an architecture-centric initiative such as SOA or strategic reuse, where Peter has particular in-depth knowledge. Peter comes from a delivery background and was previously Chief Architect of IBM Rational's Worldwide Solution Delivery organization. He is co-author of "The Process of Software Architecting" (2009), "Building J2EE Applications with the Rational Unified Process" (2002), and "Building Business Objects" (1998).
Financial Technology: Insights into an Exploding IndustryCory Brooks
Financial Technology will dramatically change your life; it may have already. This powerpoint gives the market overview FinTech as well as sector overviews concerning digital payments, online lending, and InsurTech.
Digital Transformation of U.S. Private BankingCognizant
U.S. private banks need to rethink their business models and accelerate their push to meet the ever-rising expectations of digitally savvy high-net-worth clients.
This presentation explores what future of commerce may look like given the current trends in mobile devices, digital payments, social commerce and security including tokenization and new forms of identity verification
This presentation is about the use of technology and innovative business models in financial services. It was presented at a conference entitled "Disruptive Innovations in Financial Services" sponsored by the Institute for Financial Services Analytics (IFSA) in the Lerner College of Business and Economics at the University of Delaware on March 3, 2016.
The convergence of non-traditional rivals and heightened global regulation are creating new digital opportunities for banks. To seize the high ground, banks need to think like disruptors and apply modern digital tools, techniques and partnership strategies.
Early Stage Fintech Investment Thesis (Sept 2016)Earnest Sweat
Here is an example of a personal investment thesis that I created to share with venture capital firms. In this example, I provide my personal perspective on the fintech sector. For details on how I build this thesis check out my blog (https://goo.gl/CU4Qid).
Note: Some of the confidential information has been redacted for privacy.
Velocity in Small Business - Auto DecisioningBaker Hill
This session highlighted industry best practices around the use of automated decisioning best practices and success stories of banks and credit unions that have been able to leverage this functionality to increase efficiency in small business and consumer work flows. While automated decisioning may not be a strategic initiative for all financial institutions, speakers discussed cultural and credit appetite barriers that are necessary to overcome. We outlined a step-by-step process that will position your small business and/or consumer lending teams to drive velocity, enhance the client experience, and approach automated decisioning in a responsible and credit-centric way.
Why Knowing Profitability Is the Key to Success at Your InstitutionBaker Hill
Most financial institutions don’t understand that the majority of their relationships are not profitable. This results in poor strategic planning especially when dealing with issues with the balance sheet. Senior Management has to understand and deal with different types of risk, along with income statement stagnation in these times of rising interest rates.
Tracking Simplified With Baker Hill ChecklistsBaker Hill
Leave your preconceived notions of checklists at the doo, and learn how Baker Hill's Checklist functionality can make your financial institution's tracking process more efficient.
When economic cycles take a directional turn, some products become more valuable to a financial institution. Speakers discussed relationship profitability when pricing a new opportunity and how deposits have become more valuable than they have been in the past.
Most financial institutions continue to function in a siloed fashion when it comes to pricing and profitability. With the introduction of CECL, a financial institution's pricing will be immediately influenced by this new standard. Discover what that impact might be.
The A-Zs of participations—from buying and selling to all things participation in between. Attendees joined speakers as they discussed topics of increasing your loan portfolio through participations, the risks of participations, servicing of participations, and all other things participations.
What does CRM mean to you? Attendees heard about current obstacles and best practices. In addition, the Director of Business Banking at ESL Federal Credit Union talked about their CRM journey and what their ideal future state looks like. Learn how NextGen can fit into your CRM plans.
Changing Culture: From Prehistoric to Cyber AgeBaker Hill
Change is hard. Change for a financial institution is harder! How do we move the culture from "it has always worked this way" to "technology is providing more efficient, cost effective and better informed processes?" In this session, we discussed the strategy of culture change and how Marquette Bank is tackling this challenge.
CECL Is Either Working for You or You Are Working for CECLBaker Hill
FASB's new CECL standard imposes numerous expectations on financial institutions. Addressing the intent of FASB's CECL standard enables financial institutions to realize increased financial profitability, improved portfolio risk management, and more refined loan processes such as origination, underwriting, and monitoring. Are you prepared to reap the benefits of leveraging CECL throughout your organization?
AI, bots, and automation are dominating the headlines when it comes to efficiency gains in banking, but should they? What about decades of banking experience when it comes to the hard credit decisions—should that not be included in the analysis? In this session, speakers uncovered areas in the commercial and small business lending workflow where bots and bankers battle it out.
Assimilating an Acquired Institution into Your Bank2Consumer ImplementationBaker Hill
This session was a case study of one institution's experiences in bringing the successful consumer lending operations of an acquired institution into their existing Baker Hill Bank2Consumer implementation. Attendees heard about how this client formed their execution and operational strategies, lessons learned, and the final outcome.
Achieving Material Yet Efficient Deposit Growth through Analytics and MarketingBaker Hill
As rates have risen, the competition for deposit funding has become intense. As margins expand, the real financial gap between effective and ineffective deposit gathering is becoming increasingly significant. This session discussed how analytics and marketing can integrate three key components of strategy: deposit volume goals, retention management, and repricing risk to produce greater overall NII.
Leveraging the Compliance Tools in Your Baker Hill SolutionBaker Hill
This session focused on the compliance tools available in our Baker Hill products. We are one year into HMDA 2018 and yet this continues to be one of the most discussed regulations. Attendees heard from our compliance and product experts how to leverage these tools and the tips and tricks we hear from our clients. It does not stop there—this session included other regulatory hot topics and those on the horizon.
Is Your Loan Portfolio Ready for Tomorrow?Baker Hill
We have been in a season of good times - a strong economy, low unemployment and high consumer confidence. Lending has been easy and delinquencies low. But there are clouds on the horizon, and we need to be prepared. In this session, we discussed the basics of proactive portfolio management and why you need to prepare now for tomorrow.
Need for Speed in Member Business LendingBaker Hill
In this fast-paced environment, how can a financial institution accommodate the needs of their business customers quickly, while managing risk? This session will discuss how each generation looks at the digital environment and what you can offer to address their Need For Speed.
Establishing Proactive vs. Reactive LendingBaker Hill
Traditional commercial lending process techniques are costly and not effective in many situations. By establishing a consistent process for managing commercial lending process risk and utilizing automation, managing these process risks becomes more efficient. During this session, you’ll hear how to take your lending processes to the next level by transitioning from reactive risk mitigation approaches to more deliberate proactive and efficient strategies.
Commercial Lending Trends that Drive Sound Credit for High Performing PortfoliosBaker Hill
In this session, we will review current commercial lending trends, discuss proactive efficiency strategies and highlight a bank realizing gains based upon those strategies.
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[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
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⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
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1. FinTech Lenders:
Strategies to compete or partner with the new players in banking
Mike Horrocks- Sr. Director, Solutions Management
2. “BE FEARFUL WHEN OTHERS
ARE GREEDY AND GREEDY
WHEN OTHERS ARE FEARFUL”
WARREN BUFFETT
3. Agenda
What is FinTech?
Disruptions created by FinTech
Why we you should care about FinTech?
FinTech and lending business
Strategies to manage FinTech disruptions
Questions, Answers, and Discussion
11. What is driving FinTech?
Trends towards
growing trust in
online transactions
Increasing consumer
expectations of
immediacy
The proliferation of
public data for risk
scoring
13. a match of borrowers and investors for both risk & duration
a borrower experience, driven by speed & convenience
an ability to use public data to an advantage in scoring risk
a fundamentally lower-cost operating model
FinTech advantages (or at least perceived)
14. Notion of big data: analyse and capture
value from large and complex data sets
Traditional Bank FinTech
- Basic credit
scoring based on
long term
relationship
- Information collected through
various modern channels
- Other kind of FinTech will be able
to generate additional data
Big data
15. Existing Regulation
New economy means new regulations
Innovation makes the traditional
financial system more complex and
opaque
16. Investment in FinTech
2000
$447 M
2013
$677 M
2014
$1.2 B
Global Investment
In FinTech • Global investment has
tripled
• Banks are the first one to
be affected by the growing
popularity of FinTech
• Every department is
threaten
18. of respondents expect a life event in
the next 36 months that will
significantly impact their finances
60
%
Source: 2016 FIS PACE Index July 2016 The Financial Brand
19. The primary financial institution is the first choice
for funding anticipated life events…
…however, 19% of banked consumers have not
yet decided where to turn to finance these events
Source: 2016 FIS PACE Index July 2016 The Financial Brand
20. Millennials ranked being digitally connected higher
than reliability and transparency…
…and they make nearly 2xthe number of online
transactions as Gen Xers or Baby Boomers
Source: 2016 FIS PACE Index July 2016 The Financial Brand
21. of smartphone users could list one
feature/service they would want their
bank to provide via mobile app
50
%
Source: 2016 FIS PACE Index July 2016 The Financial Brand
23. The FinTech Lending Landscape
Marketplace /
Alternative Lenders
Crowd Funding
Peer2Peer Lending
Providers
24. Marketplace / Alternative Lenders
Development of algorithms
and use of Big Data
Faster respondent to
technological changes ~
Digital Generation
More transparency are
required by clients
Banks may still have an
advantage in this sector, but
for how long ?
25. HOW MARKETPLACE LENDING WORKS
1
2
3
4
BORROWER
CHOOSES
A PORTAL
&CHOOSES
A LOAN TYPE
BORROWER
POSTS
A LOAN LISTING
ONLINE
A LOAN OFFER
MAY TAKE
ONLY MINUTES
INVESTORS
REVIEW
& SELECT
LOANS
LOAN FUNDING
CAN TAKE
LESS THAN A WEEK
THE MARKET-
PLACE LENDING
PLATFORM
SERVICES
THE LOAN
BORROWER
REPAYS LOAN
IN MONTHLY
INSTALLMENTS
26. Just how big is MarketPlace Lending?
$0
$5,000
$10,000
$15,000
$20,000
$25,000
2011 2012 2013 2014 2015
US MPL Annual loan volumes, US$ million 2011-2015
Lending Club Prosper SoFi OnDeck Avant Other
Source: Direct Lending: Finding value/minimizing risk, Liberum, 20 Oct
2015, p.6
$473
$1,529
$4,114
$10,653
$22,732
CAGR:
163.3%
28. Crowdfunding
Allow projects that maybe
can’t get a bank loan to
benefit from external
financing
Straightforward selection of
risk and projects
More transparent for
lenders
29. Peer2Peer Lending
Challenging the core activity of a bank
Putting in relation borrowers with many
lenders based on their risk aversion
Big Data is used for a more precise risk
profile more efficient credit selection
process
Faster collection and treatment of the
information
Biggest challenge for the banking industry
Credit Selection Process
31. Play your advantage
Cost of funds
– Attract deposits
Relationships with
regulators
Infrastructure
32. Strategies to disrupt FinTech
Partner with existing vendors.
Develop structures that encourage internal
innovation.
Work with other institutions to benefit from
economies of scale.
Mimic what works best for others.
33. Partner with existing solutions
Partner, Buy, or Build
Leverage new
innovations
Monitor and learn
Respond to change
34. Royal Credit Case Study
Member Business Lending
on their website
Rapid deployment timelines
Nearly 50% of all MBL
applications came from the
channel
User satisfaction SLA’s
– 96% within targeted SLA
700 applications for $35
million in MBL growth
36. Berkshire Bank – Fostering a new culture
America’s most exciting bank
Why is the bank changing?
What is the reaction in the
bank?
What is the reaction of the
market?
37. Work with others for economies of scale.
Partner with:
– Incubators
– Local businesses
– Trusted vendors
– Universities
38. Focus on what your borrowers want
20 40 60 80 100
Safety
Security
Fairness
Reliable
Transparent
Control
Customized
- Importance
- Performance
39. Mimic what works well for others
Replicate elements of the UX
Enhance a bank’s overall
customer proposition
Capture more of the value
inherent in the brand
40. Call to action…
Set goals for collaboration
Push for transparency in processes
Foster the needed cultural changes
The 2015 BAI Retail Delivery Conference in Las Vegas from October 13-15 presented a mix of discussions around old, established technologies in need of a makeover, and new, unproven technologies looking to create value for both financial institutions and their customers. Through all the sessions, one key theme emerged time and again: traditional banking and digital banking business models and technologies are converging. As a result, many large traditional banks are building internally or investing and partnering externally with FinTech innovation labs.
With all the buzz around successful innovation labs, firms often ask us whether they should be investing in similar FinTech initiatives – and if so, how? While financial institutions certainly should focus on innovation and new technology, the hype around innovation labs often exaggerates the benefits. While innovation labs may be a great investment for large firms, for many institutions, the ROI of developing one’s own innovation lab simply isn’t worth it.
Instead, firms must explore the best way to engage in FinTech by first establishing with internal stakeholders what they are trying to accomplish, and how much they are willing to invest towards that objective. Leading firms recognize that there are many ways to encourage innovation without the investment of an Innovation Lab:
Partner with existing vendors to stay aware of relevant technology. For some firms, the best tactic is simply to partner with their existing vendors to keep abreast of innovations worth watching. This is ideal for smaller institutions whose goal is to monitor and respond to new technologies.
Develop structures that encourage internal innovation. For others, the solution may be to carve out a small group of internal staff to work in a cross-department task force to solve specific challenges. These groups have the benefit of being lower-cost, and can drive a more innovative culture across the firm.
Work with other institutions to benefit from economies of scale. Meanwhile, those with more resources might find benefit in working with other FSIs and vendors to create a shared lab. This structure provides all the benefits of a full innovation lab, while allowing firms to achieve economies of scale that they could not accomplish alone.
As FinTech expands and new solutions arrive, firms will continuously need to balance between traditional banking and these new technologies. The BAI Conference proved that banks are thinking about these challenges, and are ready to incorporate new technology into their traditional systems.
- For these reasons, we believe that banks will have a structural cost advantage over MPLs if and when the credit environment normalize
Partner with existing vendors to stay aware of relevant technology. For some firms, the best tactic is simply to partner with their existing vendors to keep abreast of innovations worth watching. This is ideal for smaller institutions whose goal is to monitor and respond to new technologies.
Develop structures that encourage internal innovation. For others, the solution may be to carve out a small group of internal staff to work in a cross-department task force to solve specific challenges. These groups have the benefit of being lower-cost, and can drive a more innovative culture across the firm.
Work with other institutions to benefit from economies of scale. Meanwhile, those with more resources might find benefit in working with other FSIs and vendors to create a shared lab. This structure provides all the benefits of a full innovation lab, while allowing firms to achieve economies of scale that they could not accomplish alone.
Partner with existing vendors to stay aware of relevant technology. For some firms, the best tactic is simply to partner with their existing vendors to keep abreast of innovations worth watching. This is ideal for smaller institutions whose goal is to monitor and respond to new technologies.
Develop structures that encourage internal innovation. For others, the solution may be to carve out a small group of internal staff to work in a cross-department task force to solve specific challenges. These groups have the benefit of being lower-cost, and can drive a more innovative culture across the firm.
Work with other institutions to benefit from economies of scale. Meanwhile, those with more resources might find benefit in working with other FSIs and vendors to create a shared lab. This structure provides all the benefits of a full innovation lab, while allowing firms to achieve economies of scale that they could not accomplish alone.
Royal goal is 24 SLA 96%
700 apps for 35 Million for MBL
Partner with existing vendors to stay aware of relevant technology. For some firms, the best tactic is simply to partner with their existing vendors to keep abreast of innovations worth watching. This is ideal for smaller institutions whose goal is to monitor and respond to new technologies.
Develop structures that encourage internal innovation. For others, the solution may be to carve out a small group of internal staff to work in a cross-department task force to solve specific challenges. These groups have the benefit of being lower-cost, and can drive a more innovative culture across the firm.
Work with other institutions to benefit from economies of scale. Meanwhile, those with more resources might find benefit in working with other FSIs and vendors to create a shared lab. This structure provides all the benefits of a full innovation lab, while allowing firms to achieve economies of scale that they could not accomplish alone.
Partner with existing vendors to stay aware of relevant technology. For some firms, the best tactic is simply to partner with their existing vendors to keep abreast of innovations worth watching. This is ideal for smaller institutions whose goal is to monitor and respond to new technologies.
Develop structures that encourage internal innovation. For others, the solution may be to carve out a small group of internal staff to work in a cross-department task force to solve specific challenges. These groups have the benefit of being lower-cost, and can drive a more innovative culture across the firm.
Work with other institutions to benefit from economies of scale. Meanwhile, those with more resources might find benefit in working with other FSIs and vendors to create a shared lab. This structure provides all the benefits of a full innovation lab, while allowing firms to achieve economies of scale that they could not accomplish alone.
First, we think it is clear that banks should seek to replicate elements of the UX being delivered by leading MPLs, particularly on the borrowers’ side of the marketplaces. They should prioritize those asset classes and use cases where UX has the most weight in influencing customers’ purchasing decisions.
Second, we think that providing customers with transparent access to MPL-originated funds (when a customers’ requirements are outside the bank’s risk appetite) would be a sensible step. It would enhance a bank’s overall customer proposition and, structured properly, provide an opportunity to capture more of the latent value inherent in its brand, physical distribution network and existing customer relationships.