Why Business Lenders are Rethinking Their Disbursement Strategies
For many business owners, securing loan approval is the easy part. The hard part? Actually getting access to the funds when they need them most. While commercial lending has digitized nearly every step of the borrowing journey – applications move online, underwriting leverages advanced analytics, and approvals happen faster than ever – the final mile […]
The New Battleground for Commercial Deposits: Why Banks Must Embed Into Client Cash Flow
The rules of commercial banking have changed. While banks still chase deposits with rate wars and relationship perks, the real battle is being fought in a completely different arena: inside their company clients’ daily cash flow. Digital banks and fintechs are intensifying competition by paying higher rates to attract new commercial deposits. The most valuable […]
When “Stable” Deposits Become Flight Risks
New research from the Federal Reserve Bank of New York reveals a troubling trend: deposits aren’t as sticky as banks thought. In fact, they’re becoming more flighty, and that spells trouble for financial institutions unprepared for the reality of modern money movement. The findings, published in a recent Liberty Street Economics paper, show that deposit […]