Triumph Bank Bancorp do Regional Banks Make Money?

This is the big dilemma that brick and mortar institutions whether they be giant monster banks or small local operations face. There are generations of people out there that almost never use brick and mortar banks; including Generation Xers (like me) and Millennials.

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Is Lending Club Really Bubble Proof?

To be fair, there are some signs Lending Club is starting to make money. According to its financials, Lending Club had $64.6 million in cash and short-term investments when it went public. Yet on March 31, 2015, Lending Club had $874.13 million in cash and short-term investments. That shows us that it is capable of generating a lot of cash in a very short period of time, but can it keep that up?

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Is Peer to Peer Lending a Bubble?

One reason why Lending Club’s business is so good could be that large numbers of Americans simply lack the money or the good credit records necessary to borrow from traditional banks.

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Is Bank of Internet a Value Investment?

The number of delinquent loan balances at BOFI doubled between June 30, 2014, and September 30, 2014, which indicates that the bank’s loan book could quickly melt down.

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How Digital Wallets Will Destroy Banking as We Know It

JPMorgan Chase (NYSE: JPM) reported that one million of its account holders are now using Apple Pay at its Investor Day on Tuesday, February 24, 2015. That means one million customers of one of the nation’s largest banks are using an alternative to traditional banks. Bank consumer behavior is changing faster than we thought.

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Is Bank of Internet Really Better Than Other Banks?

Payment solutions like Apple Pay make Bank of Internet’s business model obsolete.
Despite its impressive revenue growth Bank of Internet is still a very small niche player.
Bank of Internet simply lacks the resources to challenge giant competitors like Bank of America.
By making banking at any institution more convenient Apple Pay poses a serious challenge to Bank of Internet.

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