National News

Small Business and Cash Flow Analysis in the Loan Underwriting Decision

By Charles W. Mulford

Earnings before interest, taxes, depreciation and amortization, or EBITDA, is a metric that is often used in loan underwriting decisions for small business. This is understandable as EBITDA provides a measure of cash flow that is easily calculated for borrowers that are less likely to provide more sophisticated cash flow information. 


The Intersection of Banking and Identity Theft Restoration

By Donna Parent

In a recent 60 Minutes interview, Jay Powell, Chair of the Federal Reserve, stated that cyber risk is the largest threat to the Fed and to financial institutions throughout the U.S. It’s not difficult to understand why. Today’s digital age, paired with the ongoing development of new technologies, have provided a breeding ground for cybercriminals to capitalize upon, across physical and mobile devices.


Hemp Offers Profit Potential but Also Pitfalls

By Jim Murez

It’s been a rough go lately for the nation’s farmers, with some combination of tariffs, low prices at the farm gate and flooding all impacting their livelihoods. However, one provision in the 2018 Farm Bill offered a glimmer of light for some farmers: Hemp.


Discover’s Credit Card Mobile App, Website Rank Highest in Customer Satisfaction

Discover’s credit card mobile app, as well as its website,, received top marks in customer satisfaction among U.S. credit card companies, according to the U.S. Credit Card Mobile App Satisfaction Studyand the U.S. Online Credit Card Satisfaction Study recently conducted by J.D. Power. The app received 890 points out of a possible 1,000, outpacing the industry average by 18 points, and received 885 points out of the possible 1,000, putting if 22 points ahead of industry average.


2019 So Far: Where Are We at with Digital Growth?

There were four frequently made predictions by industry experts, financial institutions and technology providers at the beginning of 2019, according to the recent Digital Banking Trends Progress Report from D3 Banking Technology.

“Even though we’re only halfway through, 2019 is shaping up to be another wild ride in financial services,” said Mark Vipond, CEO of D3. “In 2019, banks and credit unions must focus on consolidating and streamlining their platforms and leveraging modern technology that helps them better understand their customers’ and members’ needs.”

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