Business<br />
Insights that<br />
drive results

Blog

Business
Insights that
drive results

Posts tagged with "Federal Reserve"

11/14/2017

Managing Credit Default Risks in a Rising-Rate Environment

By now, most bank customers are probably aware that the Fed raised its federal funds rate earlier this year, and they’ve probably heard the rate will likely climb again before the end of the year (and multiple times next year). Following the increase, a deluge of information and opinion poured down on consumers, telling them how the higher rate…

Read More >

10/19/2017

Finding the Right Mix of Fixed and Variable Loans in a Rising-Rate Environment

Most consumers probably understand that when the Federal Reserve increases its benchmark federal funds rate, it’s only a matter of time before the corresponding rise in interest rates hits their wallets. How will mortgage seekers react to the rising-rate environment? It’s probably a safe prediction that rising interest rates will spur increased interest in fixed-rate…

Read More >

10/13/2017

What’s Next for Checks? A New Deluxe Webinar Offers Data-Driven Answers

It’s no secret that paper check volumes have been in steady decline in the US for the past two decades. Some have openly wondered whether remaining volumes will “fall off a cliff” sometime soon. Predictions of the death of the check are nothing new- in the early 2000s I worked for an electronic commerce company…

Read More >

09/20/2017

Lending in Rising Rate Environment: A Look at HELOCs

Of course, there’s no such thing as free money, but the historically low interest rates of the past few years have been about as close as most consumers will ever get to the concept. Those low rates meant many consumers decided it was worth a few bucks in closing costs to refinance their higher-rate variable…

Read More >

08/09/2017

Strategic Responses to the Rising Rates Environment

Air travelers largely fall into two categories: those who pay attention to the safety instructions and mentally plan how they’ll respond in different emergency scenarios, and those who ignore the flight attendant and just keep doing whatever they were doing before the safety announcements began. The current rising rates environment is like a plane full of bankers…

Read More >

01/19/2017

The Paper Check Lives: Why the Check Decline Slowed in 2016

You might not yet have seen the results of the new Federal Reserve Payments Study; after all, the summary was released just before the long Christmas holiday. But when you do, one thing that will stand out is the tremendous good fortune of the check – which had been on a collision course with irrelevance…

Read More >

11/21/2016

DX17 Offers Insight into Improving UX, Payments, and Future of Branches

Registration for the upcoming Deluxe Exchange 17 (DX17) is in full swing. Whether your focus is on the retail or commercial side of your financial institution, you’ll find the DX17 agenda packed with valuable sessions. Slated for Feb. 7-8, 2017, at the legendary Arizona Biltmore in Phoenix, DX17 will feature some of the financial industry’s…

Read More >