Articles about loan growth strategies and how banks grow lending portfolios, including mortgages, home loans, auto loans, personal loans that generate interest income.
Digging deeper with Citizens Financial, Fifth Third, First Citizens and its SVB division, Huntington, M&T, Western Alliance and Zions.
Growth in Home Equity Lending Cools Off as Interest Rates Hit Pain Point
A wave of home equity lending helped buoy the banking industry as mortgages dried up, but fresh data shows the tide is receding.
How Advanced Data Analytics Can Make Credit Decisions More Inclusive
How can banks and other lenders extend credit access to a larger share of the population safely and efficiently? Data and technology make it possible.
How One Fintech ‘Sifts for Gold’ in the Low FICO Scores Banks Shun
Amid a funding crunch, many fintechs are rushing to turn a profit. Current's CEO shares his plan to get there by adding loan products and another 1 million customers.
The Coming War for Credit as Gen Z Finally Embraces Plastic
The latest card and personal loan trends show that even Gen Zers, long averse to credit cards, are upping their usage, thanks to inflation.
Proposed Capital Rules Could Crimp Credit Card & Mortgage Lending
The regulatory response to the regional bank crisis of spring 2023 could weigh heavily on the lending ability of larger institutions.
Upgrade Expands Credit Card, Loan Lineup for Wider ‘Mainstream’ Appeal
Upgrade, a fintech offering cards & other loans, thrives by evaluating credit differently than the many banks & credit unions it works with.
Credit Card Lenders Should Look Past the Almighty Credit Score for Growth
Banks and credit unions can — and should — prudently grow lending regardless of the economic indicators, especially in the credit card business.
How To Win Over the 45 Million Customers Most Banks Neglect
The experience of a student seeking her first credit card shows how banks can do better by those with little to no credit history.
The Art of Pricing: Growing Loans and Deposits by Optimizing Rates
Banks and credit unions can win more business by using pricing models that take into account everything they know about customers.
Embedded Finance Is the Biggest Growth Opportunity Banks Have
To avoid disintermediation, financial institutions must build embedded finance solutions that will grow deposits and loans.
Webinar: Direct and Indirect Loan Payments and Skips: Self Service Automation in Real Time!
Today skipping and paying loans is a cumbersome process for most financial institutions, especially when it comes to indirect loans.
Citibank Courts Merchants with a Twist on Embedded Payments Options
Citi Pay ushers in consumer lending options for merchants that go beyond the white-label credit card. In fact, the card part is virtual.
Student Loan Repayments Return Amid a Shifting Credit Landscape
Federal student loan payments won't be coming back to the same credit environment that existed when the moratorium was put in place.
Topsy-Turvy Student Loan Battle Means Lenders Need to Re-Educate Themselves
The moratorium on student loan payments is ending (sort of) & the Biden debt forgiveness plan is dead (sort of). But really neither is kaput.
1 in 3 People Plan to Borrow as Inflation and Recession Fears Take Toll
About half of Millennials & four in 10 Gen Zers plan to get new credit or refinance soon. Interest in credit cards & consumer loans is high.
How Citizens Bank Became the U.S. Home Equity Leader
A digital initiative to make home equity applications faster & easier for borrowers helped make Citizens No. 1 lender in this booming sector.
What Bankers Need to Know About Higher Credit Card Spending & Consumer Debt
For the first time in 40 years, banks must factor sustained inflation into their consumer credit strategy.
Personal Loans Are a Growth Area with Cross-Sell Opportunities
Fintechs cultivate personal loan borrowers as long-term banking prospects. Can banks and credit unions compete?
A Bright Future for BNPL Is in the (Bank) Cards
Buy now, pay later plans from the Klarnas of fintech introduced many online buyers to installment payments, but banks are poised to move in.
Dentists and Vets Provide ‘Recession-Proof’ Loan Growth for Fifth Third
Fintech loan specialist Provide, now part of Fifth Third Bank, helps dentists and vets launch their own practices.
To Capitalize on Home Equity Opportunity, Go Beyond Credit Scores
Credit score ‘inflation’ has made some people seem like better risks than they are. Yet home equity promises loan growth.
3 Ways to Solve for Credit & Deposit Concentration Risks Even When They’re Not Obvious
Psychographics aren't just for marketing anymore. Such valuable customer insight helps all executives who need to recognize emerging risks.
