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PPP is Not a Free Lunch for Banks

During the post-prohibition era in the 1930s, bars offered free lunches to their patrons to get them to buy drinks. 40 years later, Milton Friedman famously summed up the study of economics with the quip – “There is no such thing as a free lunch” or TINSTAFL for short.  Now, 50 years later bankers and borrowers alike are recalling TINSTAFL in looking at PPP.

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Topics: banking, banking regulation, fintech, Comminity Banks, risk management, PPP, paycheck protection

Should Community Banks and Credit Unions Worry About Blockchain?

 

There is more hype, discussion and disagreement about Blockchain than any other technology impacting financial services today.

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Topics: banking, banking regulation, bitcoin, fintech, regtech, community banking, blockchain

How Can Community Banks Keep Up With Customer Demands?

In a blog post last month, I listed some of the major challenges facing smaller financial institutions. One of them is the fact that customers are demanding more and more. It is hard enough for community banks to meet regulatory requirements and battle reducing interest margins. How on earth can they keep up with the rapid changes in customer expectations as well?

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Topics: advanced analytics, banking regulation, fintech, data analytics, community banking, customer analyitcs

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