Glancing back and looking to the future in banking 

Glancing back and looking to the future in banking 

As we wrap up 2019, I wanted to take a minute and look at some of the key items that changed banking and at the same time take a peek into 2020 (which depending on the economist you listen to, will present even more excitement and challenges). 2019 was the year of “digitalization”, with bankers everywhere reaching for the goal to make every […]

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The Keys to Loan Segmentation Success

The Keys to Loan Segmentation Success

As any banker can appreciate, portfolio theory is worthy of a Nobel Prize, literally. In 1952, Harry Markowitz – all of 25 years old then – developed the paradigm that blew away Nobel judges and influenced countless financial services professionals. And who in turn influenced Markowitz? Turns out the Bard was on Markowitz’ reading list, as he quoted “The […]

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What Can Be Learned From CECL Early Adopters…

What Can Be Learned From CECL Early Adopters…

  As the advent of the CECL standard rapidly approaches and many financial institutions continue to contemplate the effects the standard will have on reserve balances, it may be helpful for them to glean what they can from the Q1 filings of the largest public institutions in the industry, as well as any other CECL […]

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