From the Experts


Is Regulatory Relief Finally Within Sight?

Posted November 16, 2017 by Michael M. Moran in From the Experts.

In the past few days, the Wall Street Journal has featured articles with headlines including: Bankers See Shift in Tone” (11/13/17), “Senators Support Rollback of Bank Oversight” (11/14/17), and “Smaller Banks May Now Dream Big(11/15/17). The following opening lines are from that latest article:

“Congress finally looks set to deliver some regulatory relief for midsize lenders. The biggest beneficiaries will be even smaller banks with midsize dreams.”

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The Arrogance of Technology

Posted November 15, 2017 by Stephen D. Heckard in From the Experts.

“Bright shiny thing increases ROA by X%.” I have yet to read that in a press release from a tech vendor, but I won’t be surprised when I do!

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Understanding the Cold Hard Truth About the Impact of Acquisitions on Vendors

Posted October 25, 2017 by Stephen D. Heckard in From the Experts.

Newton’s third law of motion states that for every action there is an equal and opposite reaction. We all learned that in high school physics. But, what does physics have to do with technology, more precisely, the business of financial technology? Literally, not much. I’m citing it, however, to show there is a correlation between market forces in the banking industry and the reaction to those forces by technology vendors.

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Michigan Banks Were Tested Yet Remain Optimistic a Decade After the 2007 Financial Crisis

Posted October 24, 2017 by Michael M. Moran in From the Experts.

It is hard to believe that the date when bank equities peaked (October 12, 2007) during the onset of the financial crisis has now passed its 10th anniversary. While the mortgage meltdown was already kicking into gear, investors were still hopeful as we moved through the Summer of 2007 that significant damage could be avoided and the fallout in the real estate sector would be contained. The S&P 500 closed at a record 1.565.15 on October 9, 2007, a level it would not see again until March 2013.

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What Happened to Cybersecurity? Another Major Breach

Posted October 3, 2017 by Darla J. Brogan in From the Experts.

Yet again, millions of people have been exposed to unauthorized access to, and fraudulent use of, their information because of the inadequacies of “cybersecurity”.

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