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Rutger van Faassen
Founder at Informationbanker
BROOKLYN, United States
Thought leader at intersection of consumer finance and technology helping fintechs, banks and credit unions make optimal decisions. Podcast host, public speaker, startup advisor, mentor and coach.
At Informationbanker Rutger provides clients at the intersection of Financial Services and Technology with insights and advice. Helping clients to achieve their goals and grow to their full potential. Providing hands-on advice on social selling, futures thinking, AI and Blockchain Strategy, leveraging 25 years experience in Financial Services, both as a Banker and as a Solution Provider to the industry.
Available For: Advising, Consulting, Influencing, Speaking Travels From: New York City Speaking Topics: Fintech, Consumer Banking, Innovation
Three Key Banking Themes in 2023
December 28, 2023
The Evolving Housing Market and Shift in Consumer Spend Trends
December 28, 2023
What’s the “Biz” in Small Business? Webinar
December 28, 2023
Featured Topics
Key trends in FinTech
The current trends at the intersection of Financial Services and Technology that are shaping the market for consumer finance. Topics such as Artificial Intelligence, Personalization and Predictive Analytics all play a role in how the customer engagement with financial services is evolving.
Futures Thinking for Consumer Finance
By using a combination of facts and creativity to paint a picture of what possible futures can look like and then leverage that to determine what actions we should take today and tomorrow to be ready for the factors that will drive our future. As Bill Gate said: "We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten."
Leveraging Data and Analytics to make better Banking decisions
How can Financial Services providers leverage data and analytics to make better decisions by first determining their competitive position and then leveraging predictive analytics to optimize decision making.
What’d I miss? News and Insights that got noticed - Week 1
Linkedln
January 05, 2024
Key themes this week (December 29 - January 4)
HSBC Takes On Revolut, Wise With New Forex App for Non-Customers
Starbucks accused of manipulating app payments for $900 million profit
Chase UK aims for profitability in 2025
Quarter of UK BNPL users charged late fees
How Credit Unions Can Make the Most of 2022’s Uncertain Market
Credit Union Times
August 22, 2022
Not a day goes by without a new wrinkle being added to the furrowed brow of 2022’s market outlook. Even as the U.S. job market remains strong and employers strive to match wages with the rising cost of living as well as meet demands caused by the Great Resignation, daily headlines bearing new dimensions of uncertainty have left consumers and financial institutions equally rattled.
Deposit Behavior Can Predict HELOC Utilization
Curinos
June 28, 2022
The home equity market is roaring back to life, with more growth expected through this year and beyond. Cash-out refi is shifting back to home equity as mortgage rates rise and customers seek to preserve low first-mortgage rates. At the same time, high home prices have created new equity to tap, both for current and new home equity borrowers.
Indeed, home equity already makes up more than half of new applications this year and originations are up 40% from 2021.
This all seems like good news for lenders, but there are headwinds. Curinos believes that lenders who hold the HELOC applicant’s deposits will be well-positioned to navigate these challenges because they can better assess the customer’s financial well-being and credit need.
Can Credit Unions Reinvent Themselves for the Future?
Linkedln
November 18, 2021
With a diluted identity and lackluster digital tools, credit unions risk losing their competitive edge in the marketplace.
Credit unions have evolved dramatically since their arrival in North America in 1901 when the first deposit was made for 10 cents into The People’s Bank of Levis, actually the Quebec home of a Canadian journalist.
Rutger Responds: Key Take-aways from FinovateWest Digital
Finovate
December 23, 2020
Like many of you, I am still getting used to the virtual conference format. We all miss the in-person networking and engagement with conference participants; however, the saved travel time is an excellent perk. With the platform open for two weeks, I was able to get a couple of additional sessions in that I would have most likely missed in the pre-Covid world. I did find it challenging to keep 100% focused on the conference as my day to day business would find its way into my field of attention. After watching all the demos and many of the other sessions, here are my overall observations and key take-aways from the conference…
Banks adapting to post-COVID-19 world overlook power of data
Linkedln
August 27, 2020
Banks re-evaluating business models to incorporate new strategies and remote capabilities in a post-COVID-19 world should not overlook the role data and artificial intelligence (AI) play in fortifying customer relationships and better meeting their needs.
Banks adapting to post-COVID-19 world overlook power of data
Fintech Futures
August 14, 2020
Banks re-evaluating business models to incorporate new strategies and remote capabilities in a post-COVID-19 world should not overlook the role data and artificial intelligence (AI) play in fortifying customer relationships and better meeting their needs.
Importance of Actionable Insights in Uncertain Times
Linkedln
March 18, 2020
The COVID-19 virus is spreading and everyone is looking to understand how this will impact their business and their customer’s lives.
As things change in a rapid pace, and will continue to change over the foreseeable future, having access to market insights will help your financial institution to make crucial decisions.
Stay on Top of Your Credit Score to Avoid Unwelcome Surprises
Linkedln
February 11, 2020
I’m always grateful during the holidays for the chance to relax, recharge and spend time with family. All that downtime also gives me a great chance to get caught up on all the little tasks I’ve been neglecting. This holiday season, I really wanted to tackle a personal finance checkup
Money20/20 USA: Seven key takeaways and how to prepare your business
Fintech Futures
November 12, 2019
Rutger van Faassen, VP of consumer lending at Informa Financial Intelligence, shares his impressions and actionable insights from the recent Money20/20 USA event in Las Vegas.
Changing Expectations in Consumer Lending
Linkedln
June 03, 2019
The aftermath of the 2008-2009 financial crisis led to a dramatic reduction in consumer loans. Defaults and deleveraging by consumers, coupled with stricter underwriting criteria from banks, resulted in a dramatically different post-crisis lending landscape.
Opinion Are banks ready for an uptick in HELOC applications?
National Mortgage News
November 15, 2017
Rising home prices and a market in which many homeowners are reluctant to sell or refinance means HELOCs will continue to remain an attractive loan product. Especially for younger borrowers, who are more likely to be both current and future users of home equity lines of credit than either Gen-Xers or baby boomers.
HELOCs: The Untapped Opportunity for Growth and Profits
The M Report
November 25, 2016
These are interesting times for HELOCs. Home prices have risen sharply. As a result, home-equity wealth has doubled during the last five years to $13 trillion according to CoreLogic. Home prices are expected to continue increasing in 2017. This coupled with growing originations have led to renewed interest in home equity portfolios from bankers seeking new profit centers.
What’d I miss? News and Insights that got noticed - Week 35
Linkedln
August 30, 2024
Key themes this week (August 23 - 29)
> Klarna to use AI to halve workforce
> [POLL Results] Extensive amount of time and effort required to prepare a board presentation (41%)
> Credit Scores Without Debt? Fintech Cards Baffle Credit Industry
> [PODCAST] "Banking on Information," featuring the industry authority Rado Kotorov, Founder and CEO at Storied Data
What’d I miss? News and Insights that got noticed - Week 34
Linkedln
August 23, 2024
Key themes this week (August 16 - 22)
> POLL Results: Level of comfort and engagement with Blockchain technology still mostly in Basic Awareness territory
> Experian snaps up behavioral analytics firm NeuroID
> [PODCAST] "Banking on Information," with industry expert Sandeep Kaur, Director of Web 3.0 & DLT at Innova Solutions
> U.S. Bank buys healthcare payments firm
What’d I miss? News and Insights that got noticed - Week 33
Linkedln
August 16, 2024
Key themes this week (August 9 - 15)
Scotiabank to take nearly 15% stake in KeyBank for $2.8B
Truist names JPMorgan, Wells vet as next CIO
[PODCAST LAUNCH] "Banking on Information," with Tony Chung, co-founder and CEO of Tenor Digital
Google who? This new service actually gets AI search right
What’d I miss? News and Insights that got noticed - Week 32
Linkedln
August 09, 2024
Key themes this week (August 2 - 8)
> Google integrates Greenlight card into smartwatch for kids
> Wells Fargo names BNY’s Bridget Engle as new head of technology
> POLL Results: Credit Unions biggest challenge is Outdated systems and inefficient consumer data sourcing
> Why blending blockchain and AI could add $20 trillion to the global economy by 2030
What’d I miss? News and Insights that got noticed - Week 31
Linkedln
August 02, 2024
Key themes this week (July 26 - August 1)
GenAI Startup Rabbitt.AI, Founded by IIT-D Alum, Raises $2.1M
WesBanco to buy Ohio’s Premier Financial in $959M deal
POLL Results: How are you feeling about Open Banking? 50% ready and knows what it is
Fed Clears Path for September Rate Cut
What’d I miss? News and Insights that got noticed - Week 30
Linkedln
July 26, 2024
Key themes this week (July 19 - 25)
> Sibongile Ngako joins US fintech Brex as chief compliance officer
> Truist Says Digital Onboarding Key to 42% Deposit Growth
> POLL Results: Most people not (yet) ready to have financial advice conversation with a voice-assistant
> UK open banking hits 10 million users
What’d I miss? News and Insights that got noticed - Week 29
Linkedln
July 19, 2024
Key themes this week (July 12 - 18)
> Google backs Indian open-source Uber rival
> Barclays US Consumer Bank Launches Savings Product With Tiered Rates
> POLL Results: Savings preferred approach to funding home renovation
> JPMorgan Sees Strong Card Spend Despite ‘Weakness’ From Lower-Income Consumers
What’d I miss? News and Insights that got noticed - Week 28
Linkedln
July 12, 2024
Key themes this week (July 5 - 11)
JPMorgan warns 86 million customers they might have to start paying for their bank accounts
Bain Capital reportedly closing in on deal to acquire Envestnet
Embedded Lending Puts SMBs at Center of Financial Services Landscape
Target Says Time’s Up For Paying With Paper Checks
What’d I miss? News and Insights that got noticed - Week 27
Linkedln
July 05, 2024
Key themes this week (June 28 - July 4)
> Apple co-founder Steve Jobs had a 'beer test' he would use for interviewing people at company
> New York BNPL bill is dead, for now
> Revolut soars to record profit
> Australia Outpaces US in Online BNPL Adoption Nearly 3 to 1
What’d I miss? News and Insights that got noticed - Week 26
Linkedln
June 28, 2024
Key themes this week (June 21 - 27)
Samsung Next invests in Curve
Revolut seeks $40bn valuation through share sale – FT
Nubank Accelerates AI-First Strategy With Hyperplane Acquisition
Why bank-fintech partnerships go sour and how to prevent the hug of death
What’d I miss? News and Insights that got noticed - Week 25
Linkedln
June 21, 2024
Key themes this week (June 14 - 20)
> Apple Pay Later Is Shutting Down, Report Says
> With Literally No Words, Tim Cook's Response to Elon Musk's Angry Tweets Is a Masterclass in How to Handle Your Critics
> BNPL firm Laybuy enters receivership
> Affirm CFO doesn’t expect profits from its Apple tie soon
What’d I miss? News and Insights that got noticed - Week 24
Linkedln
June 14, 2024
Key themes this week (June 8 - 14)
HSBC and BNY Mellon early adopters for Quantexa GenAI suite
U.S. Bank taps Greenlight for family-focused money management tools
JPMorgan Names PayPal Vet Shivananda as New Tech Chief
Apple packaging and unboxing always delivers a great user experience even when it is a titanium credit card
What’d I miss? News and Insights that got noticed - Week 23
Linkedln
June 07, 2024
Key themes this week (May 31 - June 7)
Cash App exec hints at Square integration
[POLL] use of mobile phone as payment terminal still in early stages
Kobalt Labs wins Best in Show at Finovate Spring
CFPB to Consult Consumers and Small Businesses on Open Banking Standards
What’d I miss? News and Insights that got noticed - Week 22
Linkedln
May 31, 2024
Key themes this week (May 24 - 30)
AI Helping Klarna Cut Marketing Costs by $10 Million
[POLL] Operations/Marketing main areas companies are using AI to save money
Walmart has ended its partnership with Capital One
PayPal builds advertising platform
What’d I miss? News and Insights that got noticed - Week 21
Linkedln
May 24, 2024
Key themes this week (May 17 - 23)
> Klarna labels CFPB BNPL rule 'baffling'
> JPMorgan to give AI training to all new hires
> Google Pay Expands BNPL and Says Goodbye to the CVV With Biometrics
> 8 huge predictions Bill Gates made in 1999 that all came true
What’d I miss? News and Insights that got noticed - Week 20
Linkedln
May 17, 2024
Key themes this week (May 10 - 16)
Nine-in-ten Klarna employees now use AI daily
[POLL] 42% uses genAI daily, 42% uses it weekly or less and 17% don't
Chime to Add Earned Wage Access Offering to Banking App
Citigroup has hired Viswas Raghavan, formerly of JPMorgan Chase, as its new head of banking
What’d I miss? News and Insights that got noticed - Week 19
Linkedln
May 10, 2024
Key themes this week (May 3 - 9)
Neobank Dave Attributes Best-Ever Credit Performance to AI-Driven Underwriting Engine
[POLL] Dubai is the fastest emerging global FinTech hub
Block integrates Afterpay with Cash App card
Jack Dorsey: Bitcoin Price to Hit $1 Million in 2030
What’d I miss? News and Insights that got noticed - Week 18
Linkedln
May 03, 2024
Key themes this week (April 26 - May 2)
Monese splits in two
[POLL] When will GenAI be smart enough to solve any Captcha challenge?
Long-predicted consumer pullback finally hits quick-service restaurants
Credit technology startup Abound moves into profit
What’d I miss? News and Insights that got noticed - Week 17
Linkedln
April 26, 2024
Key themes this week (April 19 - April 25)
> Goldman Sachs Selling Marcus Invest's Digital Investing Accounts to Betterment
> [POLL] Most people trust Apple as their primary financial services provider
> Fintech One offers BNPL at Walmart stores
> Stripe Co-Founders Say They’re Building ‘Software-Defined Financial Services’
What’d I miss? News and Insights that got noticed - Week 16
Linkedln
April 19, 2024
Key themes this week (April 12 - April 18)
Gen Z wants personalized products and services that are easier to consume on their mobile devices
[POLL] 83% agree with Gen Z on wanting ALL banking products on the phone
Romania's Salt goes live with Starling's SaaS platform
US neobank Mercury enters consumer banking market with Mercury Personal
What’d I miss? News and Insights that got noticed - Week 15
Linkedln
April 11, 2024
Key themes this week (April 6 - April 11)
Credit fintech Petal agrees sale to Empower
[POLL] 38% Tie between Fintech/Bank combo and stick with my bank
KeyBank scouts for fintech partners
Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort
What’d I miss? News and Insights that got noticed - Week 14
Linkedln
April 05, 2024
Key themes this week (March 29 - April 4)
Chase Will Let Advertisers Offer Customers Targeted Offerings
[POLL] 31% Tie between not interested and already on my phone
Amazon abandons grocery stores where you just walk out
PayPal pursues pricing power
What’d I miss? News and Insights that got noticed - Week 13
Linkedln
March 29, 2024
Key themes this week (March 22 - 28)
[POLL Result] Banks/CUs preferred providers of aggregation of all your finances
NVIDIA Unveils AI-Powered Humanoid Robot Project
BofA rolls five apps into one
OpenPipe raises $6.7M to help companies reduce costs for LLM models
What’d I miss? News and Insights that got noticed - Week 12
Linkedln
March 22, 2024
Key themes this week (March 15 - 21)
[POLL Result] In-store payment preference for digital wallets more than 50%
The Apple Pay Threat Facing Banks
Apple is reportedly exploring a partnership with Google for Gemini-powered feature on iPhones
Ramp CEO says the fintech startup is just scratching the surface
What’d I miss? News and Insights that got noticed - Week 11
Linkedln
March 15, 2024
Key themes this week (March 8 - 14)
US neobank Oxygen switches focus from banking to health insurance
Apple just hinted at its AI plans, and they could be game-changing
Starling Bank appoints OVO head as new CEO
Without Saying a Word, Taylor Swift Just Taught Everyone a Masterclass in Smart Business
Who Are The Top 50 Fintech Influencers To Follow?
AIThority
December 19, 2023
After extensive research of more than 25 hours, this is the best of the best list I could have ever prepared.
Well here is a complete well-researched list of the Top 50 Fintech Influencers. Below is the name list along with their LinkedIn profiles by which you can directly follow/connect with them. The following list has been prepared in descending order of their followers on LinkedIn.
The Ultimate FinTech Influencer Guide 2023
Marcel van Oost - Connecting the dots in FinTech
April 19, 2023
For this report, I summarized a list of people I think you should follow on LinkedIn to stay up to date on industry news and updates. I follow every single one of them and really enjoy their content.
I didn’t want to make it a contest with a ranking (I’ll leave that up to you to decide for yourself) so decided to list them in alphabetic order.
Expert Insight: Tech Trends That Will Define Fintech In 2024 & How They Will Change The Future Of Money
Finovate Spring 2024
May 20, 2024
Fintech will continue to be a driving force of the future. Areas to watch will be AI; embedded finance; SaaS; open banking; IoT and blockchain. As automation and integration become more sophisticated consumers will have access to more tailored services that better suit their needs. Technological innovation will continue to shape finance and banks must stay ahead of the curve or risk being left behind.
Why Banks Must Embrace The Digital Lending Revolution To Safeguard Their Business & Address Systemic Credit Gaps By Harnessing A Maturing Tech Stack. Is Lending As A Service A Game Changer For Banks?
Finovate Fall 2023
September 13, 2023
Rising household debt balances in the US, coupled with a long and painful loan application and fulfillment process, indicate a need for change in the lending industry. A mobile-first approach and the use of big data can help lenders address these challenges and safeguard their business. This article explores the lending landscape, identifies key challenges, and proposes solutions that lenders can adopt to transform their business and better serve consumers. The article discusses the benefits of a mobile-first strategy, including improved convenience and speed, as well as the use of additional data sources to provide a more holistic view of borrowers and their ability to repay. The article also considers the different options lenders have for building, buying, or partnering to implement these changes. By embracing mobile and big data, lenders can transform the lending process, improve the customer experience, and increase their market share.
Power Panel: Buy Now Pay Later
Finovate Spring 2024
May 23, 2024
Power Panel: Buy Now Pay Later: A Great Product For Customers Or A Debt Trap? How Is This Exploding Market Going To Change The Status Quo & What Does It Mean For The Future Of Credit Cards? And What Are US Regulators Planning?
Power Panel: How Will New Technologies, New Competitors And New Business Models Shape The Future Of Payments? And Why Data Really Matters
Finovate Spring 2023
May 25, 2023
Leveraging Tech to Streamline Loan Processes in a Volatile Economic Climate
Lightico
May 23, 2023
Our panel of experts will share their insights and experience on how banks should leverage digital technology to improve customer service, reduce loan processing time, and increase efficiency while minimizing risk to improve the overall loan origination and servicing customer experience.
The Super App Revolution: Uber & PayPal Are On Track To Become The First US Super Apps: Can Your Services Compete?
Finovate Fall 2022
September 13, 2022
Rutger van Faassen (moderator) - Head of Innovation & New Markets, Curinos
Xavier Gomez - Founder & Chief Operating Officer, INVYO
Christina Bechhold Russ - SVP & Head of Strategic Investment Initiatives, Truist Ventures
Jonathan Alloy - VP Design Thinking, Credit Suisse
Banking on Information with Rado Kotorov, Founder and CEO at Storied Data
YouTube - Banking on Information
August 26, 2024
In this episode we speak with Rado Kotorov, Founder and CEO at Storied Data about his WHY, WHAT and HOW when it comes to delivering data and information as an experience.
Banking on Information with Sandeep Kaur, Director of Web 3.0 & DLT at Innova Solutions
YouTube - Banking on Information
August 19, 2024
In this episode we speak with Sandeep Kaur, Director of Web 3.0 & DLT at Innova Solutions about her WHY, WHAT and HOW when it comes to Blockchain and Web3.
Banking on Information with Tony Chung, CEO of Tenor Digital
YouTube - Banking on Information
August 12, 2024
In this episode we speak with Tony Chung, co-founder and CEO of Tenor Digital about his WHY, WHAT and HOW when it comes to Re-Architecting Private Credit Operations.
2024 Banking Outlook: Planning for Success
Curinos - Apple Podcast
January 23, 2024
Higher-for-longer interest rates are here to stay. The upcoming jump in CD renewals is not a bubble. Lending opportunities are out there. These are but a few of the insights offered in 2024 Banking Outlook: Planning for Success, a podcast featuring Curinos experts executive vice presidents Pete Gilchrist and Brandon Larson; Adam Stockton, head of retail deposits and lending, and Suraya Randawa, head of omnichannel experience.
Using Real-Time Data To Drive Small Business Lending Relationships
Curinos - Apple Podcast
November 15, 2023
Danae Perkins, senior analyst for small business lending at Curinos, shares insights on how banks and credit unions can better utilize data to connect with small-business borrowers and manage risks inherent in a high-rate environment.
Even With Fed Rate Pause, FIs Will Keep Jockeying On Deposit Prices
Curinos - Apple Podcast
November 02, 2023
Adam Stockton, head of retail deposits and lending at Curinos, offers his take on what the Fed hold steady on rates means and he points out where some institutions are finding opportunities in today's difficult environment.
How An Innovative Credit Union Is Approaching Customer Segmentation
Curinos - Apple Podcast
October 25, 2023
David Eldred, chief experience officer at Solarity Credit Union in Washington state, details his institution's approach to segmentation and the key lessons they've learned along the way.
EPISODE 131: THE SMART USE OF DATA IN UNCERTAIN ECONOMIC TIMES
Bankadelic: The colorful side of finance
October 18, 2023
Economists and financial services pros alike were caught off guard by the staggering pace of interest rate hikes and the ways consumers scrambled to find new financial relationships. But bringing data to the task -- and to drive financial inclusion at the same time -- can help financial institutions gain a foothold amidst the chaos. Enter Rutger van Faassen and Adam Stockton of Curinos to help us make sense of it all -- and point the way forward for lenders and leaders in banking.
Better Deposit Pricing For Smaller Banks And Credit Unions
Curinos - Apple Podcast
October 11, 2023
Agusta Patton, Head of Markets Client Solutions at Curinos, discusses today's challenging deposit-pricing environment and explains how data-driven insights generated by Curinos' new Deposit Optimizer Essentials solution, launching October 18th, can help smaller institutions price right and increase profitability.
There's No Time For Delay In Getting Ready For 1071
Curinos - Apple Podcast
September 27, 2023
Lindsay Burkhalter, director of small business solutions at Curinos, explains risks that banks and credit unions face if they are not diligent now in preparing to collect, analyze and report data on lending to minority-owned, women-owned and small businesses.
Are Some Banks Misjudging The Deposit Repricing Cycle?
Curinos - Apple Podcast
September 21, 2023
Peter Serene, head of commercial, and Adam Stockton, head of retail deposits, explain why they believe some institutions may have an overly optimistic outlook about when deposit prices will reach their peak.
Why Digital Differentiation Matters For Acquiring New Customers
Curinos - Apple Podcast
September 13, 2023
Olivia Lui, product marketing innovation expert at Curinos, digs into our recent research on how and why customers choose their primary banking relationship, and what that means for institutions as the digital banking channel grows in importance.
The Fed’s Latest Bump: Higher-For-Longer Will Tighten Squeeze On Bank Profits
Curinos - Apple Podcast
July 27, 2023
Peter Serene, Managing Director of commercial at Curinos, explains how this week's 25bp rate increase will reprice more deposits and further narrow NIM in both retail and commercial.
Rob Chrisman On Today’s Challenges In The Mortgage Market
Curinos - Apple Podcast
July 24, 2023
Consultant Rob Chrisman and Curinos' Rich Martin join the (F)insights podcast to share thought-provoking insights into today’s highly challenging mortgage market.
Tags: Customer Experience, Digital Transformation, FinTech
Journey Across the Digital Landscape
Curinos - Apple Podcast
June 29, 2023
Suraya Randawa, Head of Omnichannel Experience here at Curinos, joins host Rutger van Faassen to discuss digital journeys and her latest article in the Curinos Review “Capturing The Next Generation Means Engaging Them Now."
Tags: Customer Experience, Digital Transformation, FinTech
Finding Massive Opportunity in Precision Pricing
Curinos - Apple Podcast
June 21, 2023
Director of Consumer & Small Business Lending Lindsay Burkhalter joins host Rutger van Faassen to discuss Curinos’ recent Perspective “Precision Pricing in Small Business Lending,” co-written by Lindsay and Adam Lee Purvis (Director, Real Estate & Consumer Lending).
Rate Hike Pause: What does it mean for Financial Institutions?
Curinos - Apple Podcast
June 15, 2023
Managing Director Adam Stockton joins host Rutger Van Faassen to discuss the positives and negatives as the Fed moves to pause rate hikes. Read more insights on the latest announcement here: https://curinos.com/our-insights/curinos-perspective-fed-announces-pause-rate-hikes/
2023 CMO Summit Key Take Aways
Curinos - Apple Podcast
May 24, 2023
On the back of Curinos’ 2023 Chief Marketing Summit, Rutger speaks with Executive Vice President of Omnichannel Sales and Experience, Brandon Larson on key takeaways.
Not All Deposits Are Created Equal
Curinos - Apple Podcast
May 11, 2023
Director of Retail Deposits Adam Stockton and Director of Commercial Peter Serene join host Rutger van Faassen to discuss all things deposits in light of recent market changes.
Fed Hikes Again – Implications for Small Businesses
Curinos - Apple Podcast
May 04, 2023
Manager of Small Business Lending Strategy Bryan Snyder joins host Rutger van Faassen to discuss the implications of the recent fed hike on small businesses.
Viva Las Vegas! Insights from CBA Live 2023
Curinos - Apple Podcast
March 31, 2023
Live from one of finance’s biggest events, Curinos' Rutger van Faassen chats with industry experts on key topics in today’s industry. Hear from Mike Shepard (U.S. Bank) and Matt Cammarota (Liberty Bank) on what’s top of mind for 2023.
Best Peer-to-Peer Lending of December 2023
U.S. New & World report
December 14, 2023
More flexible qualification requirements than other types of loans. P2P marketplaces are usually open to everyone, including borrowers with short credit histories, low credit scores or high DTI ratios. Marketplaces can offer more flexibility because they "don't necessarily hold the risk; they are matchmakers," says Rutger van Faassen, innovation and new markets, industry ecosystems executive at data provider Curinos.
'It goes beyond just translating': How bank products become bilingual
American Banker
July 05, 2023
The U.S. Hispanic population is the country's largest minority group and it's growing fast. But surprisingly few financial institutions have adapted their digital products and services to speak their language.
Banks vs. credit unions: How to decide where to keep your money
Bankrate
June 09, 2023
Credit unions are not-for-profit organizations owned by their members. “That’s the main difference between (banks and credit unions),” says Rutger van Faassen, head of marketing strategy at analytics provider Curinos. Credit unions typically provide better savings and lending rates, van Faassen says.
How Can You Remove Collections From Your Credit Report?
U.S. New & World report
March 16, 2023
After you file a dispute, there's a reverse burden placed on the credit bureau to prove that the information on your report is accurate, says Rutger Van Faassen, a former lending executive who is now head of market strategy with Curinos, a firm that provides financial industry insights.
WSJ - What Is a Good Credit Score?
The Wall Street Journal
March 13, 2023
“Each of these scoring agencies has their own secret sauce: their algorithm,” says Rutger van Faassen, head of market strategy for Curinos, a financial industry analytics firm. Since no two scoring agencies use the same “sauce,” your score can vary depending on the agency.
How to Spot a Good Deal When Shopping for a Home
Money
February 06, 2023
The uptick in buyer activity is a result of mortgage rates dropping by nearly 1 percentage point since early November. Some buyers who found themselves priced out of the market late last year now have an incentive to buy, says Rutger Van Faassen, head of marketing strategy at data intelligence firm Curinos.
“[When] rates come back just a little bit, that puts people back in the game,” Van Faassen says.
Regulatory scrutiny of M&A hinders competition, benefits largest banks – experts
S&P Global Market Intelligence
January 12, 2023
The prolongment of deal closing periods is more a function of regulators focusing on protecting consumers and not a result of wanting to stifle competition, said Rutger van Faassen, head of market strategy at Curinos.
"The pendulum swings back and forth as there's different power in Washington," van Faassen said. "In banking, we just have seen that it's taking longer to get the approval, but there haven't been clear cases yet where they say, 'No this is not allowed, and this is all because it's hurting competition.'"
BNPL Providers Building Rewards Programs to Compete
Native American Financial Service Association
August 12, 2022
Recently, with several buy now/pay later (BNPL) fintechs’ valuations having collapsed and a proposed merger falling through, many BNPL providers are launching rewards programs. Although the dollar value of rewards for smaller BNPL purchases is less than that of credit card loyalty programs, which can provide two to five percent cash back for purchases in certain categories, even a minor reward can appeal to consumers who may not have access to credit card perks.
“Rewards could play an important role in marketing BNPL services to underbanked people who aren’t accustomed to earning any rewards,” said Rutger van Faassen, an analyst with market research firm Curinos, according to American Banker.
Rampant cyber fraud targeting fintechs is testing banks' risk controls
S&P Global Market Intelligence
June 01, 2022
Different from the traditional underwriting model relying on credit scores, Grain's model takes into consideration broader payments records, not just the ones being reported to credit bureaus, said Rutger van Faassen, head of product and market strategy at financial data and consulting firm Curinos Inc. The goal is to extend credit to borrowers with lower or no credit scores.
Leveraging QR Codes for Mobile Marketing & Payments in Banking
The Financial Brand
April 06, 2022
“The QR code is very versatile, and just like anything digital, it got a big boost during the pandemic,” says Rutger van Faassen, an analyst specializing in innovation and new markets for Curinos, in an interview with The Financial Brand. “Think about how we now use it to pull up menus. And then you think about the Coinbase Super Bowl ad. It has gone a bit mainstream, now most people know what to do with a QR code.”
FDIC researchers say tech-savvy banks outperformed on PPP loans
American Banker
February 28, 2022
Banks that operate more like fintechs outcompete their more traditional competitors on certain financial products, researchers at the Federal Deposit Insurance Corp. found.
Cryptocurrency regulations needed now, insiders say
Capital.com
February 10, 2022
Rutger van Faassen, head of innovation, new markets, and industry ecosystems at New York-based data intelligence firm Curinos, said regulations are in flux globally as governments try to figure out which ministries crypto should fall under.
“That’s probably the starting point right there – it doesn’t squarely fit in anyone’s box,” said van Faassen, whose firm advises financial institutions.
The blockchain’s decentralised nature “clashes automatically with a centralised regulator,” making it more difficult for regulators to oversee crypto and “put themselves in the middle.”
Is crypto mining the next home heating trend?
Capital.com
February 08, 2022
Large-scale crypto mining operations have come under heavy criticism and regulatory scrutiny due to their large physical size and high energy requirements.
“I think (crypto mining) has created a lot of innovative solutions,” van Faassen said. “A lot of new ways of using renewable energy have actually poured into the crypto mining space. There was always that kind of stuff where (people say) ‘Oh, yeah, mining bitcoin takes as much energy as the Netherlands or Sweden uses in a year’.”
“But I think there have been a lot of developments there to say, ‘Hey, how can we do this in a renewable fashion?’ How can we mine and still not waste a lot of energy and (not) use energy that’s polluting?”
Fintech M&A deal tracker: Push to bundle, create 'super app' drives transactions
S&P Global Market Intelligence
January 06, 2022
"That sort of one-trick-pony or the solving-one-use-case is great to acquire people, but to keep them I think you need to keep adding things to it," said Rutger van Faassen, head of product and market strategy at financial data and consulting firm Curinos. "Then they also realize you can't really build everything. Sometimes it's smarter to just partner or acquire."
Fintechs scooping up banks to clear regulatory hurdles, accelerate growth
S&P Global Market Intelligence
December 20, 2021
The complexities of bank partnerships can worsen once the fintech passes the initial customer acquisition phase and seeks to expand beyond selling a single financial product. The push into new areas can lead to multiple partnerships for different functions, which increases costs for operations and compliance, said Rutger van Faassen, head of product and market strategy at financial data and consulting firm Curinos.
Growth-hungry banks see opportunity in home renovation boom
American Banker
October 20, 2021
As Americans continue to spend big on home improvement projects, banks are seizing the opportunity — both by embracing organic loan growth and by acquiring lenders focused on the renovation niche.
Three Key Trends Dominating the Auto Lending Landscape
The Financial Brand
October 12, 2021
This digitally-powered trend provides a big opportunity for traditional auto lenders to associate themselves with these platforms, says Rutger van Faassen, an analyst at data and consulting firm Curinos, which advises financial services companies.
“Community banks and credit unions need to make it a priority to have conversations with these online platforms, just like they are looped in with the F&I manager at dealerships,” van Faassen says, referring to finance and insurance managers.
Mexican fintech expanding into U.S. to finance crossborder trade
American Banker
August 17, 2021
Traditionally, companies that engage in U.S.-Mexico trade rely on specialized import-export financers or perhaps universal banks, said Rutger van Faassen, head of product and market strategy at
Curinos, a data and consulting firm for financial institutions. “In general, small businesses have been
underserved everywhere, around the world,” van Faassen said.
Banks to offer credit cards to people without credit scores
CNBC
May 19, 2021
“There’s always been a little bit of a catch-22 in the way the system has worked,” said Rutger van Faassen, head of product & market strategy for FBX at Informa Financial Intelligence. “You have to have a good credit score to get credit, right?”
Pay It Plan It From American Express: How to Use It
U.S. New & World report
April 28, 2021
Either option can serve two types of credit card customers, says Rutger van Faassen, vice president of consumer lending at Informa Financial Intelligence, a global intelligence analyst firm for retail bankers. "Transactors, who use their credit card to pay transactions and at the end of the billing period will pay off the outstanding balance, (and) revolvers, who hold a revolving balance at the end of the billing period."
The Pay It feature helps you keep your credit card balance low by quickly making payments through your American Express app. This option can be useful for either type of credit card user.
On the other hand, van Faassen says, Plan It is helpful for people who need to essentially take out an unsecured loan and repay a large purchase in monthly installments. You'll pay a fixed monthly amount through Plan It, including a baked-in fee, and you won't be charged interest on that purchase.
2021: The Year of Uncertainty
DeBanked
January 07, 2021
Another pandemic-driven change is that lenders have had to tweak their risk modeling. Everyone understands the economy is not in the greatest spot, but their challenge in 2021 will be developing a way to assess future losses in the absence of a baseline, says Rutger van Faassen, head of product and market strategy for the benchmarking and omnichannel research group at Informa Financial Intelligence.
Consumer behaviors have changed, for instance. So even though the pandemic will end, it’s too soon to say what the structural impacts on an industry will be and how that affects the desirability of lending to especially hard-hit businesses, such as restaurants, cruise lines and fitness centers. “Clearly the behavior that everyone is showing right now is because of the pandemic. The question is: how will people behave once the pandemic ends,” he says.
“In the meantime, a lot of lenders will have to do more in-the-moment decision-making, until we get to a point when we’re truly in a new normal, when they can start recalibrating models for the longer-term,” he says.
Marketing to the Next Generations
ABA Bank Marketing
January 05, 2021
Rutger van Faassen, vice president for consumer lending at Informa Financial Intelligence, a banking research firm, says that both of these younger generations show different behaviors and preferences. “They both are very comfortable with digital engagements and specifically mobile engagement,” van Faassen says. “Providing ways to engage with their finances through a mobile device is one of the ways banks engage with these generational groups.” Example: JP Morgan Chase has expanded its personal financial management snapshot tool to provide new insights to customers. These insights include debit and credit card usage, monthly cash flow and category spend tracking, which van Faassen believes will appeal to the savings-savvy young customers.
How Will Increased Privacy Regulation Affect Bank Marketing?
ABA Bank Marketing
November 03, 2020
Some financial institutions and third parties are hoping to sidestep regulations by steering clear of certain sensitive data. Rutger van Faassen, vice president of consumer lending for Informa, says that when it comes to capturing customer data, “We gather actionable data from lenders, no account or Social Security numbers. We’re looking for one-on-one targeting . . . the idea of the Holy Grail of the perfectly personalized offer.”
A crisis may spell opportunity, but it’s still a crisis. Look for digital acceleration and further consolidation as the post-Covid world takes shape
Global Finance
June 15, 2020
Online-only startups may ultimately team with private banks rather than challenge them for multimillion-scale fortunes. “You’re seeing more and more fintechs starting to rent out their platform,” says Rutger van Faassen, vice president of Consumer Lending at Informa Financial Intelligence in New York. “It’s a way to keep costs to a reasonable level.”
How Do Business Credit Card Balance Transfers Work?
Yahoo Finance
April 21, 2020
"Mixing business and personal finances can get complicated, especially if others are involved in your business or personal finances," says Rutger van Faassen, vice president of consumer lending at the research firm Informa Financial Intelligence.
Fireside Chat: The Importance of the Digital Shift in Small Business
Finovate Spring 2024
May 20, 2024
Don't miss Curinos' Director of Small Business Lindsay Burkhalter's must-see FinovateSpring session on industry changes that can't be ignored: "The Importance Of The Digital Shift In Small Business" on May 23 at 3:25 p.m. PST. Learn more: https://lnkd.in/gixn2ZnQ
Checking the Pulse: Home Equity Leading Trends & Insights
CBA LIVE
September 30, 2020
Informa will share their latest data on home equity lines and loans. National and regional
level market analysis will be presented.
In this session, you will learn:
* Valuable industry insights from near real time origination and portfolio performance
market data;
* How to leverage insights gained from competing in today's ever-changing home
equity market;
* Metrics surrounding: origination growth, product and geographic performance,
operational trends, competitive rate environment, branch productivity, portfolio performance and more
Leveraging Technology to Enhance the Customer Experience
CBA LIVE
April 04, 2017
The lending industry is failing to adopt new technologies and lagging behind. Join us to find out why process automation and artificial intelligence platforms pose the biggest threats and what the future of business processes holds. Institutions have the opportunity to improve processes and reduce operating costs, but they must leverage Big Data analytics and customer best practices. Explore the new emerging technologies and how to maximize their benefits.
Back to the Future: Home Equity Innovation
CBA LIVE
March 17, 2016
When was the last time you remember a rising rate environment? How about when lenders could focus on innovation? Just like Marty McFly, home equity to think about how to get back to the future. How will customer needs change in a rising rate environment? As Millennials become home owners, what will they be looking for? How can we innovate to improve the customer experience, improve efficiency, and streamline the process? This session will explore these opportunities and other emerging trends
What'd I Miss Top 3 week 34
YouTube - What'd I miss Top 3
August 26, 2024
Check out the top 3 news topics for week 34 that got noticed in my LinkedIn feed.
This week includes the results of the POLL about the level of comfort and engagement with Blockchain Technology, Experian buys NeuroID and U.S. Bank acquires healthcare payments firm...
What'd I Miss Top 3 week 32
YouTube - What'd I miss Top 3
August 12, 2024
Check out the top 3 news topics for week 32 that got noticed in my LinkedIn feed.
This week includes the collaboration between Google and Greenlight, Bridget Engle joins Wells Fargo as new head of technology and the results of the POLL on the biggest challenge for credit unions...
What'd I Miss Top 3 week 31
YouTube - What'd I miss Top 3
August 04, 2024
Top 3 items that got noticed in my feed this week
1. GenAI Startup Rabbitt.AI, Founded by IIT-D Alum, Raises $2.1M
2. WesBanco to buy Ohio’s Premier Financial in $959M deal
3. POLL Results: How are you feeling about Open Banking? 50% is ready and knows what it is
What'd I Miss Top 3 week 30
YouTube - Banking on Information
July 28, 2024
Top 3 items that got noticed in my feed this week
1. Sibongile Ngako joins US fintech Brex as chief compliance officer
2. Truist Says Digital Onboarding Key to 42% Deposit Growth
3. POLL Results: Most people not (yet) ready to have financial advice conversation with a voice-assistant
What'd I Miss Top 3 week 28
YouTube - What'd I miss
July 13, 2024
This week:
1. JPMorgan warns 86 million customers they might have to start paying for their bank accounts
2. Bain Capital reportedly closing in on deal to acquire Envestnet
3. Embedded Lending Puts SMBs at Center of Financial Services Landscape
What'd I Miss Top 3 week 29
YouTube - What'd I miss
July 13, 2024
This week:
1. Google backs Indian open-source Uber rival
2. Barclays US Consumer Bank Launches Savings Product With Tiered Rates
3. POLL Results: Savings preferred approach to funding home renovation
What'd I Miss Top 3 week 27
YouTube - What'd I miss
July 06, 2024
The top 3 items that got noticed in my LinkedIn feed this week:
1. Apple co-founder Steve Jobs had a 'beer test' he would use for interviewing people at company
2. New York BNPL bill is dead, for now
3. Revolut soars to record profit
What'd I Miss Top 3 week 26
YouTube - What'd I miss
June 29, 2024
The top 3 items that got noticed in my LinkedIn feed this week:
1. Samsung Next invests in Curve
2. Revolut seeks $40bn valuation through share sale – FT
3. Nubank Accelerates AI-First Strategy With Hyperplane Acquisition
What'd I Miss Top 3 week 25
YouTube - What'd I miss
June 23, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I Miss Top 3 week 24
YouTube - What'd I miss
June 15, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 23
YouTube - What'd I miss
June 10, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 22
YouTube - What'd I miss
June 03, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 21
YouTube - What'd I miss
May 27, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 20
YouTube - What'd I miss
May 21, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 19
YouTube - What'd I miss
May 10, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 18
YouTube - What'd I miss
May 04, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 17
YouTube - What'd I miss
April 28, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 16
YouTube - What'd I miss
April 21, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 15
YouTube - What'd I miss
April 13, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 14
YouTube - What'd I miss
April 06, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 13
YouTube - What'd I miss
March 29, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 12
YouTube - What'd I miss
March 22, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 11
YouTube - What'd I miss
March 17, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What’s the “Biz” in Small Business? Webinar
Curinos
August 30, 2022
Join Curinos’ own Lindsay Burkhalter and Rutger van Faassen for a robust discussion on the current ‘biz’ in Small Business Lending! Learn how economic factors are affecting market opportunity and how we can help you capture your share in this challenging environment.
What’d I miss? News and Insights that got noticed - Week 1
Can Credit Unions Reinvent Themselves for the Future?
Banks adapting to post-COVID-19 world overlook power of data
Importance of Actionable Insights in Uncertain Times
Money20/20 USA: Seven key takeaways and how to prepare your business
Changing Expectations in Consumer Lending
What’d I miss? News and Insights that got noticed - Week 35
What’d I miss? News and Insights that got noticed - Week 34
What’d I miss? News and Insights that got noticed - Week 33
What’d I miss? News and Insights that got noticed - Week 32
What’d I miss? News and Insights that got noticed - Week 31
What’d I miss? News and Insights that got noticed - Week 30
What’d I miss? News and Insights that got noticed - Week 29
What’d I miss? News and Insights that got noticed - Week 28
What’d I miss? News and Insights that got noticed - Week 27
What’d I miss? News and Insights that got noticed - Week 26
What’d I miss? News and Insights that got noticed - Week 25
What’d I miss? News and Insights that got noticed - Week 24
What’d I miss? News and Insights that got noticed - Week 23
What’d I miss? News and Insights that got noticed - Week 22
What’d I miss? News and Insights that got noticed - Week 21
What’d I miss? News and Insights that got noticed - Week 20
What’d I miss? News and Insights that got noticed - Week 19
What’d I miss? News and Insights that got noticed - Week 18
What’d I miss? News and Insights that got noticed - Week 17
What’d I miss? News and Insights that got noticed - Week 16
What’d I miss? News and Insights that got noticed - Week 15
What’d I miss? News and Insights that got noticed - Week 14
What’d I miss? News and Insights that got noticed - Week 13
What’d I miss? News and Insights that got noticed - Week 12
What’d I miss? News and Insights that got noticed - Week 11
The Ultimate FinTech Influencer Guide 2023
How Can Traditional Banks Compete In A Brave New World?
Expert Insight: Tech Trends That Will Define Fintech In 2024 & How They Will Change The Future Of Money
Why Banks Must Embrace The Digital Lending Revolution To Safeguard Their Business & Address Systemic Credit Gaps By Harnessing A Maturing Tech Stack. Is Lending As A Service A Game Changer For Banks?
Power Panel: Buy Now Pay Later
2024 Banking Outlook: Planning for Success
Using Real-Time Data To Drive Small Business Lending Relationships
Even With Fed Rate Pause, FIs Will Keep Jockeying On Deposit Prices
How An Innovative Credit Union Is Approaching Customer Segmentation
Better Deposit Pricing For Smaller Banks And Credit Unions
There's No Time For Delay In Getting Ready For 1071
Are Some Banks Misjudging The Deposit Repricing Cycle?
Why Digital Differentiation Matters For Acquiring New Customers
The Fed’s Latest Bump: Higher-For-Longer Will Tighten Squeeze On Bank Profits
Rob Chrisman On Today’s Challenges In The Mortgage Market
Finding Massive Opportunity in Precision Pricing
Rate Hike Pause: What does it mean for Financial Institutions?
2023 CMO Summit Key Take Aways
Fed Hikes Again – Implications for Small Businesses
The Boom in Unsecured Lending
Viva Las Vegas! Insights from CBA Live 2023
What Does The Latest Fed Rate Hike Mean For Commercial Deposits?
The Future of Fintechs
The Challenges and Opportunities in Today’s Mortgage Market
Fireside Chat: The Importance of the Digital Shift in Small Business
