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Latest MasterCard analysis indicates that old attitudes toward credit cards are giving way to a post-recession reality.

Debit or credit? Consumers spend like small firms

MasterCard analysis sees deliberate decisions among purchasing plastics
Directors increasingly acknowledge priority of IT oversight

Directors increasingly acknowledge priority of IT oversight

1 in 3 admit they lack sufficient tech savvy
Fit is the most important aspect of devising an enterprise risk management plan for your community bank, advises blogger Jeff Gerrish

Tailor your risk management to your bank’s risk

Don’t overdo it when you go for enterprise risk management—but don’t under-do it either
Some growth leaders owe their buildup to loans acquired in the course of acquisitions. Georgia’s Hamilton State Bancshares, for instance, bulked up on CRE through four FDIC-assisted deals over recent years. But most of the growth comes under agency loss-sharing agreements.

CRE loans rising

SNL Report: Community banks among growth leaders
TransUnion’s latest payment hierarchy analysis indicates nearly even tendency by people with financial woes to pay their mortgage or credit card debt. Auto loans still have first call on their dollars, however.

Consumer payment hierarchy begins shift

Troubled borrowers’ historical preference towards mortgage bill returning, says TransUnion study
Omnichannel banking requires retooling digital architectures

Omnichannel banking requires retooling digital architectures

Branch, mobile, social, and video interactivity to foster the future of banking
Good and sound banking is no “paint by the numbers” business. Blogger Ed O’Leary rallies bankers to resist those who would make it so.

Time for bankers to think out of the “paint box”

Creative business can’t allow itself to be rendered innocuous
Risk management relies on risk culture as a foundation, not as a top coat. Without a strong risk culture as the footing, a bank has nothing but hollow words supporting its decisionmaking.

ERM’s frequent missing link: a strong risk culture

Risk culture is foundation—not the trimming—for risk management
Generic top domain name approvals take a step forward

Generic top domain name approvals take a step forward

.com is so yesterday; why you should know about .bank
Enterprise risk management costs too much to do right to settle for a good regulatory checkup. Crowe Horwath authors Jennifer Burke and Marc Dominus present a plan for realizing your program’s full potential.

More value for your ERM buck

Competitive advantage, not just compliance, should result
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