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Digital Banking Hub, Mapa Research

Banks tool up to build trust

Banks tool up to build trust

Fraudulent activity and scams continue to rise leading banks need to build trust and confidence in their digital offerings As digital banking continues to grow so too does the range and sophistication of fraudulent activity and the threat of scams, meaning banks must ensure customers feel especially secure while undertaking any financial operation...

Topic Industry News Digital Banking

EPFR - fund flow & allocations data

Quants Corner - Cruising to Alpha

Quants Corner

In early June hundreds of Venetians gathered to protest the return of giant cruise ships to their famous city on Italy’s Adriatic coast. Waving flags and signs bearing the words “No Big Ships,” they reiterated their opposition to the passage of vessels often weighing over 100,000 tons through canals originally engineered for sailing ships and galleys. Read more...

Topic Industry News

EPFR - fund flow & allocations data

Money chases US market highs and China market rout in late July

Global Navigator

Going into the final days of July, major US equity indexes were bouncing from record high to record high, buoyed by a strong second quarter earnings season. Meanwhile, China’s benchmark Shanghai Composite Index was recovering from a 6% drop triggered by aggressive Chinese regulatory action against several domestic sectors. Investors saw positives in both trends, committing over $10 billion to US Equity Funds and lifting flows into China Equity Funds to a 15-week high. Elsewhere, Inflation Protected Bond Funds set a new weekly inflow mark, and for the 20th time in the past 22 weeks both of the two major multi-asset fund groups, Balanced and Total Return Funds, posted inflows. With evidence of climate stress abounding, Equity and Bond Funds with socially responsible (SRI) or environmental, social and governance (ESG) mandates chalked up the 51st and 70th consecutive inflows respectively. Among the Alternative Fund groups, Bear Funds posted their first weekly inflow quarter-to-date. These funds, which seek to profit from declining markets, saw flows pick up in late 2Q21 as investors started questioning some of the projections for US and global economic growth.

Topic Industry News

Digital Banking Hub

Integrated data: Digital investment challengers advance financial planning services

Investment Integrations

Integrated data: Digital investment challengers advance financial planning services US-based digital investment challengers are unlocking the vast potential of customer data through the integration of banking and investment solutions

Topic Industry News Digital Banking

Digital Banking Hub

US moves on banking data rules, but portability could take years to facilitate

Digital Banking Hub

US moves on banking data rules, but portability could take years to facilitate Rules around portable account history could be years in the making  The US Presidential Executive Order encouraging the Consumer Financial Protection Bureau (CFPB) to “issue rules allowing customers to download their banking data and take it with them” from bank to bank, could take a number of years to enable. “Allowing customers to download their data was not mandated in Dodd Frank… it could take several years to facilitate,” says David Schroeder, senior vice president, federal governmental relations, at the Community Bankers Association of Illinois (CBAI). The CFPB is currently reviewing comments received in response to an advanced notice of proposed rulemaking (ANPRM) regarding the issue of data access by users and aggregators, for use in assisting consumers in a variety of different computer applications.

Topic Industry News Digital Banking

Digital Banking Hub

Squeeze on neobanks as expectations rise

Neosart

Squeeze on neobanks as expectations rise As market forces churn, neobanks find themselves faced with old rivalries and new “Because Starling works in an agile manner,” says a representative at the bank, “with collaboration in multidisciplinary teams and a flat organisational structure to make decision-making faster, we are able to be responsive and to adapt quickly to change.” As traditional foes pivot and new competition rushes to capitalise on changing consumer spending and saving patterns, neobanks must be on the front foot...

Topic Industry News Digital Banking

EPFR - fund flow & allocations data

Another week of mixed messages in mid-July

Global Navigator

The third week of July saw numerous countries wrestling with severe drought while others, among them China and Germany, counted the costs of massive floods. In the US, where looking-to-hire signs are proliferating in business districts across the country, first-time jobless claims climbed. New cases of Covid-19 worldwide are again north of 500,000 a day but the ratio of deaths has fallen from one in every 42 cases at the end of January to one in every 65 cases. With the needles for many key datapoints swinging rapidly in often contradictory directions, flows to EPFR-tracked funds remained choppy and subdued. Equity Funds recorded their second smallest inflow year-to-date, redemptions from Alternative Funds jumped to a 16-week high, Bank Loan Funds’ longest inflow streak since 1H17 came to an end and four of the five fund groups tied to cyclical sectors posted an outflow. In addition to the twin specters of rising inflation and rebounding Covid-19 caseloads, and their potential impact on the global reflation story, some investors are starting to question the degree to which pent-up consumer demand will drive growth in the second half of the year. In the US, consumers are spending and starting to take on more debt. Retail redemptions year-to-date from US Money Market Funds stand at over $135 billion. But the enhanced unemployment benefits spigot is being closed and is slated to be largely shut off by September. Retail investors are still steering money into Europe Money Market Funds and savings rates throughout the developed world remain above pre-pandemic levels.

Topic Industry News

BankTrends - Banking Analytics

SCALE vs. WARM

SCALE vs. WARM

Which methodology is right for your community bank or credit union? Choosing a CECL method that is right for your bank or credit union depends on many factors. Between the historical data available, management objectives, and associated operational costs, it can get complicated learning about all the different options available. While different methodologies can be used for various portfolios, some methods stand out as being the simplest for community banks or credit unions like yours. For smaller institutions, the most straightforward solutions are the Weighted Average Remaining Maturity (WARM) method or the newly released SCALE model. Let us start by telling you a little more about these methodologies at their core.

Topic Industry News