White Papers

CECL Progress Is Being Made, but Will It Be in Time?

As the compliance dates for CECL near, progress is being made across the board, but not fast enough, according to CECCl experts. This was the overarching finding of Austin, Texas-based Abrigo’s 2019 CECL Survey. The survey gauged financial institutions’ preparedness for the upcoming transition to the current expected credit loss standard.


Maintaining Security Throughout a Mobile-First Transition

Imagine a world in which a consumer’s entire commercial existence is contained on a mobile device. That world is fast approaching, and at its center stands the consumer’s primary financial institution, which holds the consumer’s funds, assets and payment media. But do banks an other FIs truly understand this opportunity, the powerful position they occupy and the risks to their growth as the mobile device evolves?


What Does the Fintech Bank Charter News Mean for Banks, Fintechs, Regulators and Consumers?

August 14 — In response to the recent OCC announcement that it will begin accepting applications for special purpose national bank charters “from nondespository financial technology (fintech) companies engaged in the business of banking,” Minneapolis-based Wolters Kluwer has published The U.S. Treasury Fintech Report and the OCC Fintech Announcement: What They Mean for Banks and Fintechs. The whitepaper is intended as a summary highlighting key elements of both the OCC’s and Treasury’s announcements on innovation and advancing the use of financial technologies in the U.S. banking industry.


Keeping ATM Security Threats in Check

By Mark D. Smith

ATM crimes are on the rise in the United States, especially since many ATM deployers have yet to upgrade their terminals to Europay, Mastercard and Visa, and debit cards issued by American financial institutions still include a mag stripe, which is easy to duplicate. Common threats include smash-and-grab raids to high-tech attacks, such as card shimming and card skimming. U.S ATM deployers are also beginning to see more ATM Jackpotting and explosive attacks.


SMB Loan Renewals Examined in New Sageworks Whitepaper

June 21 — Sageworks has released a new white paper, “SMB Loan Renewals:  Opportunities to improve efficiency and increase earnings.” The eight-page document addresses problems with the current loan renewal process and suggests improvements that can be made to make loan renewal faster and more profitable for banks.


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