Garnet Capital Advisors - Garnet Capital Advisors Blog

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While recent figures show that FinTechs are gaining more of the personal loan market, banks and credit unions can capture more of this business with the right partnerships.
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C/O and BK Trending

Looking Beyond FinTechs for the Right Partnership

March 28, 2019

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Partnerships between banks and other financial institutions and technology companies are increasing.
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Fintech

FinTech Partnerships Are on the Rise -- Here's What Banks Can Do to Compete

March 27, 2019

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What's the likely scenario on interest rates for 2019? Click here to find out.
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Residential Economy / Rates

Is the Window of Benign Interest Rates Closing?

March 26, 2019

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A majority of the earnings reports are in for the S&P 500, and corporate profits remain strong. Analysts are, however, predicting a dip in earnings growth in 2019 thanks to several factors.
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Economy / Rates

Corporate Profits Remain Strong in 2019

March 25, 2019

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The Fed is mulling over the idea of letting inflation go over the 2 percent target more often while dealing with the real possibility that interest rates will continue to hover around historic lows.
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Economy / Rates

The Fed is Pondering Higher Inflation -- Here's Why

March 22, 2019

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While some may be in opposition of mobile payment company Square's reapplication to get a bank license, the commotion doesn't seem to be as significant as it has been for prior applications by other non-bank institutions. Could this mean that the banking industry is embracing technology and FinTechs?
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Fintech

The Banking Sector Continues to Embrace Technology

March 19, 2019

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If warning signs are on the horizon, what portfolio adjustments should you be making today?
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Commercial Economy / Rates

How to Respond to Weaker Loan Demand

March 15, 2019

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It's a common misconception that selling loans only makes sense when credit is poor. In reality, banks and credit unions will find benefits to selling certain loans even when credit quality is good.
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Pricing Trending

The Business Case for Selling When Credit Quality is Good

March 14, 2019

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Millennials, which is now the largest living generation and segment of banking customers, have different preferences than the GenX and Baby Boomer generations. Surveys show that Millennials are not as brand-loyal as other generations, and also give some insight into the features that this group values.
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Consumer L..

How to Improve Brand-Loyalty Among Millennial Customers

March 13, 2019

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It's proposed that the Community Reinvestment Act (CRA) be amended to help banking institutions remain more competitive while continuing to serve the needs of consumers in specific types of communities. But there is a consensus that all three major federal banking agencies be on board with how such modernization should come into play, which could prove to be a challenge.
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Regulatory..

Financial Institutions Seek Clarity Amidst Conflicting CRA Regulations

March 12, 2019

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The banking system is healthy, but there are challenges ahead.
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Economy / Rates

FDIC Report Provides Insights on the Health of the Banking System

March 11, 2019

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Will big changes be on the horizon for the accounting laws on Current Expected Credit Losses (CECL)? At a recent roundtable meeting hosted by the FASB, some banks and lenders pushed back on the new standard that's to take effect early next year, asking the FASB to reconsider modifying the new model, while others are in favor of it proceeding. So, what will the FASB do with the concerns raised?
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