BankThink

The State of Bank Technology 2011

09/05/11

Core banking purchases have stayed level, vendors systems are getting better and overall things are not as bad as they might seem.

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Lesson of Buffett Deal for Banks: The Time to Act is Now

09/02/11

Investor's stake in the future of Bank of America shows a boldness that banks now lack.

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Lack of Credit Scores in QRM Will Lead to the Wrong Choices

09/01/11

Unlike past federal guidelines, the QRM exemption does not include credit scores. Instead, it requires financial institutions to perform an inflexible manual review of derogatory factors in the borrower's credit report.

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Limiting Bank Size Poses Bigger Risks

09/01/11

The CapOne/ING transaction shows just how hard it is to take the abstract notion of bad big banks into the real world.

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Let's at Least Try to Regulate Derivatives

09/01/11

The total notional value of credit-default swaps has reached almost $30 trillion. I doubt there has ever been an industry or product line that expanded so fast or got so big without attracting serious scrutiny.

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It's the End of the Bank Branch as We Know It

08/31/11

Banks must make significant changes to their branch networks, further automating transaction processing, changing the skills sets of branch employees, and altering the physical designs of branch offices

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Robo-Signing Settlement Needs to Go All the Way

08/31/11

To do any good the robo-signing settlement should include mandatory, widely applicable principal reductions targeted to homeowners who were the hardest hit.

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Cures for the Layoff Hangover

08/30/11

The manner in which a bank deals with its employees in the aftermath of a layoff can be just as important as the manner in which the layoff itself was conducted.

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Train Everyone in Sales - From the Top Down

08/30/11

If you are going to be in banking in the future, you are going to be "in sales."

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Risk-Retention Rules Set Up the Private Investor for Failure

08/29/11

By embedding new, modest but ill-defined one-size-fits-all requirements in legislation, the Dodd-Frank Act further politicized the determination of risk retention requirements.

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