Thought Leadership White Papers

In this white paper, we will describe how cloud computing has become a strategic imperative for banks wanting to compete at the highest level. We explain that a cloud-based technology platform can help guard against cyber attacks by adding extra layers of security, while simultaneously helping boost productivity and cut costs.

In this white paper, we will highlight the most impactful changes of the new MBL rule and explain how they will affect your credit union's business lending program. We provide recommendations for how you can make the most of this opportunity through streamlined commercial lending processes, efficient risk management and enhanced portfolio monitoring.

In this white paper, we will offer a guide to successfully create an experience known as digital engagement, which allows a bank the opportunity to re-imagine what the customer journey can be.

In this white paper, we will offer a view of the SBA, its loan programs and their benefits, as well as the value that participation provides to financial institutions. Additionally, this paper will help institutions understand the technology currently available to ensure efficiency, quality and growth when building an SBA 7(a) loan portfolio.

In this white paper, we offer a guide to help banks compete effectively in today's commercial and small business lending markets, including how to embrace technology to make faster decisions, meet their customers' increasingly demanding service expectations and streamline their internal workflow efficiencies.

In this white paper, we will discuss why the challenge of adapting to millennials has thus far been difficult for banks. We will then describe the most important strategic priorities for banks to begin the process for developing their own next-generation corporate cultures and digital engagement experience for the millennial customer and employee.

In this white paper, we will drill down to the root causes of most bank merger headaches, and demonstrate how selection of the right technology system can help your bank realize return on investment and true shareholder value through your merger and acquisition strategy.

In this white paper, we offer a guide to understanding treasury’s value to the financial institution, common challenges faced during the treasury process, and how the right combination of onboarding tactics and technology can lead to measurable straight-through processing results and accelerate time to revenue.

In this white paper, we will present the key factors for a management team to consider when evaluating the buy versus build decision, describe the reality of building a system in-house and discuss how modern third-party solutions can meet the needs of even the largest and most complex financial institutions.

In this white paper, we will discuss specific challenges and opportunities facing CUSO's and credit unions as well as provide solutions, which will help CUSO's achieve efficiency, cost savings and sustainable success.

In this white paper, we will explore how leading institutions are investing in ways to improve efficiency, and simultaneously boosting profits and lowering their risk profiles. We will present proven strategic and tactical practices that banks can deploy today to stay ahead of the curve.

In this white paper, we will examine peer-to-peer lending, describe how their business models are evolving, and discuss how banks have thus far responded and, going forward, how banks can differentiate themselves and out compete these disruptive lending models.

In this white paper, we will discuss the current cybersecurity landscape, share a watch list of risks that keep information security experts up at night, and explain why a cloud-based, consolidated technology platform is a safer alternative to multiple on-premise legacy systems.

In this white paper, we will discuss upgrading to a modern, collaborative credit file process that empowers employees and clients and allows the bank to build trust with clients, grow assets and revenue, and increase profits.

In this white paper we will describe how big data analytics and data integrations can easily and inexpensively integrate a bank's data into a single source of truth. With all of an institution's data in one place, thanks to data integrations and data analytics, management can have a single system to operate the entire bank.

In this white paper, we will describe the concept of mobile bank operating systems and provide a look at how this technology platform empowers banks to provide customers with "old fashioned relationship banking" in a modern way.

In this white paper, we will explore some best practices for credit unions seeking to start up or expand their small business lending programs, including understanding your members' needs, hiring experienced staff and leveraging the use of technology to reduce loan cycle times and help manage risk.

In this white paper, we will explore the current regulatory landscape and the more profound changes (member business lending, risk-based capital, field of membership, Dodd-Frank/CFPB) impacting credit unions. This paper will also discusses how credit unions may best manage the growing compliance and regulatory burden through the advent of emerging technologies.

In this white paper, we will addresses the current regulatory environment and challenging examination process and offer a framework that can lead to zero downgrades and increases of 25% or more to a bank's ROA and efficiency ratio.