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The Impending Transfer Pricing Crash
The profitability of non-credit businesses – like cash management – relies heavily on deposit spread. Small business clients receive a wealth of operating services without fees by holding sufficient...
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Strategies for a Low-Rate Environment
In my last post, we reviewed possible interest rate scenarios and their impact on bank profits. In this post, we’ll outline some of the initiatives Treasury Strategies has been helping its clients...
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The Role of Banks in Virtual Economies
We’ll take a break from deposit strategies to explore the world of virtual currencies – Facebook credits, Linden Dollars, World of War Gold. What are the implications of these virtual currencies for...
View ArticleNew Regulatory Approach and the Negative Impact on Bank Innovation
The approach regulators take to governing financial institutions has changed. New rules require banks to be more precise about the scope of a line of business and the processes used to deliver the...
View ArticleSetback on Extension to FDIC Unlimited Insurance?
A technical move in the Senate has blocked consideration of Harry Reid's proposal to extend unlimited FDIC Insurance on non-interest bearing accounts. Senator Toomey noted the extension would require...
View ArticleDeconstructing Payments to Drive Value
One of the hot topics at the recent NACHA conference was the question of same-day ACH: should the US adopt a solution framework similar to “Faster Payments in the UK”? Under such a solution, banks...
View ArticleThe New Efficiency
Banking is under pressure – fee caps limit revenues, low rates compress spreads and new regulations are driving up costs from everything from know your customer to back end process controls. In...
View ArticleScale and Economics Win Out in the End: The Visa/JPMorgan Card Partnership
Coming on the heels of JPMorgan’s acquisition of Bloomspot, JPMorgan and Visa recently announced a partnership that essentially claws out a closed-loop merchant services proposition, “Chase Merchant...
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