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White Papers

Banks Talk About the Challenges of the Universal Banker Model

White Paper  |  August 2016

Executive Summary

An ever-growing number of banks and credit unions are electing to introduce the Universal Banker model into their branch networks. This approach — in which bank employees are trained to perform multiple tasks ranging from traditional teller transactions to more specialized services like opening accounts and processing loans offers advantages to both customers and employees.


Whitepaper: Open API Survival Guide for Banks

DH Corporation, a leading provider of technology solutions to financial institutions globally, has published a white paper to guide banks as they consider the impacts and opportunities of open Application Programming Interfaces (“open APIs”) on their payments businesses. Titled “Open APIs: A Survival Guide for Banks,” the paper explores the driving forces behind the open API movement, including the proliferation of new immediate payments schemes, regulations like PSD2, and the rise of FinTech service providers. Through real-world examples, it shows how financial institutions worldwide are deploying and benefiting from open API-based initiatives. Balancing time-to-market considerations with the realities of legacy technology environments, it also sets forth a comprehensive roadmap for banks seeking to pursue an open API enablement strategy.


PayPal Leads in Global Wallet Wars

January 30 – Global spend via mobile wallets is expected to rise by nearly 32 percent this year to $1.35 trillion, a new study from Juniper Research has found.


Safe Systems White Paper: “2017 Community Bank Information Technology Outlook”

Safe Systems, a national provider of fully-compliant IT and security services for community banks and credit unions, has published a free white paper, “2017 Community Bank Information Technology Outlook,” which is now available for download on its website. The white paper is based on results from a survey the company conducted to identify IT priorities for community financial institutions, and features survey feedback on 40 questions from approximately 100 respondents from community banks with asset sizes of $100 million to more than $1 billion.


CRE Lending: Growing Profitably in the Current Environment

In the current lending environment, many financial institutions are looking to commercial real estate to drive growth in their portfolios. As a result, competition to win deals is intense. It is critical, however, for banks growing their CRE portfolios to satisfy regulators’ concerns over risk management of those loans. Best practices related to origination, lending strategy and portfolio management can ensure profitable CRE portfolio growth and satisfy regulators that institutions are lending responsibly.

Commercial real estate is the largest lending category for U.S. banks, and the category has experienced tremendous growth — especially since the financial crisis. “Since the trough in CRE lending in mid-2012, CRE loans outstanding have increased to $3.6 trillion and now represent 19.8 percent of national GDP,” according to researchers with the Federal Reserve Bank of Philadelphia. And over the past 20 years, the share of CRE loans in the portfolios of midsize and small banks has roughly doubled, the researchers said.

Click here for the complete white paper.

Mobile Banking Users to Reach 2 Billion by 2020

October 18 – New research from leading Fintech analyst, Juniper Research, finds that over 2 billion mobile users will have used their devices for banking purposes by the end of 2021, compared to 1.2 billion this year globally. Growth in mobile banking is being driven by consumer adoption of banking apps the changing way consumers manage their finances.


U.S. Payments Forum Provides Guidance on Optimizing Speed of EMV Transactions

October 6 –  Many cardholders and merchants have highlighted EMV transaction speeds as an area for improvement as the U.S. continues its migration to EMV chip technology. To provide guidance for issuers and merchants on speeding up EMV transaction times, the U.S. Payments Forum has released a new white paper that provides details on three approaches: “faster EMV” solutions, contactless/Near Field Communication (NFC) transactions, and EMV checkout optimization.


Customers Willing to Share Their Banking Data in Exchange for More Innovation

August 16 – A large majority of customers want innovation from their banks, according to a survey produced by technology firm Sopra Banking Software. The report was compiled using data from a survey of 5000 customers in six European Countries (France, UK, Germany, Spain, Belgium and the Netherlands). (more…)

Operation Choke Point Causing Complications for ATM Deployers

August 10 – Count independent ATM deployers — such as those found in convenience stores, airports and gas stations — among the players with a grievance toward Operation Choke Point, reports the ATM Industry Association in a recently released white paper. (more…)

ETA White Paper Examines Products and Services Geared Toward Financial Inclusion for Broader Constituencies

July 21 – The Electronic Transactions Association (ETA), the global trade association representing the payments technology world, has released a white paper that explores how ETA member companies are driving financial inclusion and access by using technology to deploy innovative products and services.


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