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ALCO Beat articles featured exclusively on BankingExchange.com are written by the asset-liability management experts at Darling Consulting Group.

Getting model risk management right

Good model stewardship demands policies, sound data, education, documentation, and follow-through
LendUp says its early mistakes weren't matter of dishonesty, but more being newbies at lending. Now the lender has a ten-member compliance team.

Fintech lender charged with “failure to deliver”

In consent order, CFPB alleges LendUp didn’t keep its promises to consumers
Obvious and mediocre won’t be found here—but “Why didn’t I think of that?” will! Challenging the banking status quo is Dan Fisher’s personal mission.

6 rules for vendor management

Only two people look out for your interests … and one you must hire
Increasingly the smart device defines the consumer retail experience, from shopping remotely to shopping in stores—and, by the way, paying for it all.

M-commerce transforming retail point of sale

Lines blur between shopping and payment channels as America goes increasingly mobile
The concept of an editable, redactable blockchain goes against the basic premise many hold dear. But it’s actually a good deal more complicated than this simple photo.

A blockchain you can edit?

Debating controversial new prototype in wake of major blockchain bump
Non-cash payments reach records

Non-cash payments reach records

Evolving global payments landscape see banks embracing fintechs—and “regtechs” too.
If you're not getting all thumbs up, here are some concepts to help turn thumbs to "up."

What impression does your bank make?

How banks do with customers ranks higher—less branch traffic makes each visit count
Crowdfunding cooperation helps bank build “bankability”

Crowdfunding cooperation helps bank build “bankability”

Equity form of crowdfunding opens new doors for West Coast community bank
Bank boards must close up the gaps to oversee compliance appropriately.

Compliance risk rises to top of board agenda

In wake of Wells affair, directors must reconsider what “risk appetite” really means
Bureau sues five Arizona auto title lenders in the wake of state's banning of payday lending, and resulting boom in auto title credit.

CFPB sues car title lenders

Arizona-centered case part of bureau’s push against alleged predatory lenders
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