Index

  • Accelerator program, sponsorship (advantages)
  • Accounting
    • challenges, overcoming
    • considerations
    • models
    • treatment
  • Africa
    • India, bank account/mobile subscription comparison (percentage)
    • sub-Saharan African countries, mobile banking account usage (disparity)
  • After-tax earnings
  • Agency distribution model, pressure
  • AlliancePartners, Personal Capital (partnership)
  • Allpoint, ATM network
  • Alltel purchase
  • Ally Financial Inc. purchase
  • Alternative lenders, emergence
  • Alternative lending
    • funding
    • niche
    • platforms
      • government regulation
      • retail banks, contrast
    • technology, usage (growth)
  • Alternative online lenders
  • Alternative screening methods
  • Andreessen, Marc
  • ApplePay, development/rollout
  • Application programming interfaces (APIs)
  • Appraiser qualifications
  • Armstrong, Brian
  • Artificial intelligence (AI)
  • As-of date
  • Asset manager, impact
  • Assets
    • asset approach
    • customer-related assets, valuation process
  • Assets under management (AUM)
    • asset manager percentage
  • Automated auditing (blockchain)
  • Automated teller machines (ATMs)
    • analysis
    • costs
    • network (Allpoint)
    • number
    • usage
  • Balance sheet
    • changes
    • pro forma balance sheet
  • Banco Bilbao Vizcaya Argentaria (BBVA)
    • Compass, FutureAdvisor (partnership)
    • deal
    • purchase
  • BankAmericard, problems
  • Bank CIOs, survey
  • Bank Director’s 2015 Growth Strategy Survey
  • Bankers, Simple analysis
  • Bankomat, ATM usage
  • Banks
    • accounts, mobile subscriptions (comparison)
    • acquisition
      • assets/liabilities/intangible assets
      • pro-forma balance sheet
    • advantages
    • balance sheet, changes
    • bank-sponsored FinTech accelerators
    • customer relationships
    • deals
      • accounting
      • metrics
    • FinTech
      • approach
      • framework, usage
      • intersection, increase
      • partnerships, number (increase)
    • FinTech company acquisitions
      • fair value accounting
    • long-term plan, FinTech partnership (consistency)
    • partners, FinTech companies (approach)
    • persistence
  • Bank-sponsored accelerator, participation (advantages)
  • Bank valuation
    • approaches
    • FinTech, impact
    • income approach
    • market approach
  • Banno (FinTech company)
    • bankers, analysis
    • corporate events
    • FinTech entrepreneurs, analysis
    • operation ability
  • Barclaycash, ATM usage
  • Benchmarking information
  • Betterment, Fidelity (partnership)
  • Big Banks
    • regulations, impact
  • Big data
  • Bitcoin
    • funding
    • NYSE entrance
    • payment processing impact
    • Wall Street perception
  • BlackRock, purchase
  • Blankfein, Lloyd
  • Blockchain
    • applications
    • automated auditing
    • characteristics
    • contracts
    • cyber security
    • defining
    • financial services
    • function, explanation
    • funding
    • government regulation
    • immutability
    • irrevocability
    • payment solutions
    • reliability
    • technology, impact
    • transparency
  • Blockchain and Distributed Ledger Technology Conference (2016)
  • Blockcypher
  • BMC Software decision
  • Book value per share
  • Braintree/Venmo Touch
  • Branch networks, cost
  • BTC Smart Meters
  • Burn rate
  • Business divorce, occurrence
  • Business judgment rule
  • Buy-sell agreements
    • example
    • value standard
  • Calahan, Edward A.
  • Call Report
  • Cameron, David
  • Capital
    • augmentation
    • budgeting, basics
    • capital-intensive businesses, asset approach
    • projects, attractiveness
    • risk-transfer sources
    • sources/uses
  • Carney, Mark
  • Cash flow
  • Cashless society
  • CAT bonds, comparison
  • CB Insights
  • C corporations, shares sale
  • Certegy
  • CFPB
    • regulation plans
    • scrutiny, increase
  • Check (payment company case study)
    • analysis
    • corporate events
    • FinTech strategy, development
    • flexibility/openness, maintenance
  • CheckFree Corporation, acquisition
  • Chubb MDR, ATM usage
  • CIF 20/20
  • Circle
  • Citicorp Information Resources, purchase
  • Coinbase
    • analysis
    • corporate events
    • mobile application, usage
  • Community banks
    • assistance
    • comparison
    • FinTech community banks comparison
      • price-to-earnings multiple comparison
    • FinTech, usage
    • lending, trends
    • loan portfolio mix
    • non-interest income
    • opportunities, profitability trends
    • real estate loan portfolio mix
    • threats
  • Community banks, FinTech
    • comparison
    • threat/opportunity
  • Consumer lending market
  • Consumers
    • credit outstanding, holders (ranking)
    • financial service preferences
  • Core Director
  • Core processors, role (evolution)
  • Core vendors
  • Corporate finance, basics
  • Cost of equity (COE), IRR (comparison)
  • Culture, differences
  • CU Solutions Inc., acquisition
  • Customer-related assets, MPEEM application
  • Customers
    • acquisition costs
    • customer-related assets, valuation process
    • customer-related intangible assets
    • demands, meeting
    • digital service
    • insurance providers, relationship (disruptor challenge)
    • primary relationship, maintenance
    • relationships
      • repeat patronage, importance
    • retention/preference
  • Cyber security
  • Cybersecurity spending, increase
  • Cypress Capital
  • Daily average revenue trades (DARTs)
  • Data analytics, impact (increase)
  • Day traders
  • Deal metrics
  • Department of Labor (DOL), Fiduciary Rule (implementation)
  • Depository institutions, elements
  • Designated Order Turnaround (DOT) system, NYSE creation
  • Diebold, ATM manufacture
  • Digital advisory (FinTech case study)
    • 5-year forecast
    • valuation conclusion
  • Digital currencies
    • case study
  • Digital focus, cost saving (potential)
  • Digital-focused bank, cost savings
  • Digital-only customers, data
  • Dilution analysis
  • Discount brokerage industry, evolution
  • Discounted cash flow (DCF) method
  • Discount rate
  • Disruptors, challenges
  • Dissenters, rights
  • Dividend-paying capacity
  • Dividends, payment (absence)
  • Djokovic, Novak
  • Docutel, ATM manufacture
  • Dorsey, Jack
  • Draper, Tim
  • Early-stage FinTech companies, valuations
    • digital advisory, 5-year forecast
    • example
    • planning process
  • Early-stage FinTech valuation
    • issues
    • mechanics, understanding
  • Early-stage investors
    • FinTech attraction
  • Earn-back period, usage
  • Earnings/cash flow
  • Earnings-per-share (EPS) accretion/dilution
  • Earn-outs
  • Eastern Labs
  • Ebay purchase
  • EBITDA margin, Digital Advisory forecast
  • E-commerce, rise
  • Efficiency ratios
  • Electronic communication network (ECN), launch
  • Electronic stock trading
    • analysis
  • Employees
    • benefits, provision
    • FinTech attraction
  • Employee stock ownership plans (ESOPs)
    • benefits
  • Enterprise value, pro-rata portion
  • Episys (platform)
  • Equity
    • cost
    • incentives
  • Equity compensation
    • 409A compliance
    • tax issues
  • Equity FinTech partners (minority shareholders)
  • E*TRADE Financial Corporation, trading
  • European Securities and Market Authority (ESMA), paper release
  • Executive leadership
  • Expected future cash flows, forecast
  • Expected revenue stream, determination
  • Factom
  • Fair market value
  • Fair model value
  • Fairness opinions
    • factors
  • Fair value
    • accounting
    • measurement
  • Fair Value Measurement (ASC 820)
  • Federal Deposit Insurance Corporation (FDIC)
    • community banker meeting
    • FinTech opportunities
    • Insurance on Deposits
  • Fidelity, Betterment (partnership)
  • Fidelity Information Services (FIS)
  • Fidelity Investments, founding
  • Fidelity National Financial purchase
  • Fidelity National Information Services
  • Fiduciary Rule (DOL), implementation
  • Finance (change), millennials (usage)
  • Financial Accounting Standards Board (FASB), fair value model
  • Financial advisor, role (change)
  • Financial institutions
    • FinTech company acquisitions
    • net income, revenue percentage
  • Financial returns (assessment process), partnerships (usage)
  • Financial services
    • consumer preferences
    • technology, impact
  • Financial technology
    • defining
    • increase
  • Financing round economics, examination
  • FinLab (JP Morgan)
  • FINRA
    • Rule 2290
    • warnings
  • FinTech
    • appraiser qualifications
    • balance sheet, changes
    • bubble
      • factors
      • formation
    • buy-sell agreements
    • change, inevitability
    • community banks, comparison
    • customer
      • demands, meeting
      • retention/preference
    • cybersecurity spending, increase
    • deals, accounting considerations
    • defining
    • disruptive startups
    • early-stage FinTech valuation issues
    • efficiency ratios, relationship
    • enhanced scale
    • entrepreneurs, analysis
    • exits
    • failure, case study
    • framework, usage
    • full acquisition
    • funding trends
    • Google search trends
    • growth, option
    • historical context
    • history
    • hype, reasons
    • impact
    • importance
    • indices, S&P500 (contrast)
    • industry, trends/market conditions
    • initial public offerings (IPOs), ranking
    • innovation, increase
    • investment analysis
    • IPOs
    • legacy systems, usage
    • lenders, credit cycle
    • leverage
    • loan portfolio diversification
    • necessity
    • niches, innovation
    • non-interest income, relationship
    • offerings, usage
    • payment company case studies
    • players, identification
    • portfolio
    • profitability
    • public companies, niche identification
    • public company pricing multiples
    • public multiples, median EBITDA margins
    • regulation
    • regulatory oversight
      • case studies
      • evolution
    • regulatory scrutiny
      • increase
    • returns, increase
    • search trends
    • selection process
    • strategy
      • development
      • returns, consideration
    • threat/opportunity
    • transactions (analysis), metrics (usage)
    • trending exits
    • unicorns
    • U.S. financial institutions, relationship
    • valuations
    • increase
      • preferences
    • venture capital investments, valuation
      • example
      • process
    • venture capital (VC) investors, exit
    • Visa/Mastercard, initial public offerings
  • FinTech acquisitions
    • analysis
    • assets/liabilities/intangible assets
    • post-close success, incentives (alignment)
    • pro forma balance sheet
  • FinTech banks
    • benefit
    • intersection, increase
  • FinTech companies
    • acquirers, identification
    • acquisition
    • approach
    • asset approach
    • bank acquisitions
    • bank advantages
    • community bank assistance
    • development stages
    • earnings
    • financial institution acquisitions
    • holding on
    • income approach
    • initial public offerings (IPOs)
    • intangible assets
    • intellectual property
    • investment returns
    • management team
    • market approach
    • market characteristics/impact
    • partnering
    • pricing multiples
      • median EBITDA margins
      • median enterprise value/EBITDA multiples
    • regulatory environment
      • assessment
    • regulatory overlay
    • risk/growth, trade-offs
    • risk profile, bank comfort
    • Section 409A, application
    • selling in
    • selling out
    • valuation
      • approaches
      • considerations
    • value stages
  • FinTech mergers and acquisitions (FinTech M&A)
    • activity
      • comparisons
      • trends
    • exits
    • issues, consideration
    • overview
    • volume/pricing
  • FinTech partners
    • analysis
    • investment
  • FinTech partnerships
    • banks
      • approach
      • long-term plan, consistency
    • capital budgeting, basics
    • corporate finance, basics
    • customers, primary relationship (maintenance)
    • example
    • financial returns, assessment process
    • framework, development
    • importance
    • internal rate of return analysis
    • investment returns
    • IRR/ROE spread
    • questions
    • regulatory reaction
    • ROE spread, comparison
    • transactions, hurdle rates
    • valuation, basics
  • First Data Processing
  • First Internet Bancorp (IBNK)
  • First National Bank
  • FiServ Inc.
    • IPO, occurrence
  • Fixed-rate brokerage commissions, abolishment
  • Flowers, J. Christopher
  • Full credit cycle, experience
  • Full-service broker, support (absence)
  • Funding, access (improvement)
  • Funds, accessibility (increase)
  • FutureAdvisor (Future Advisor)
    • BlackRock acquisition
    • RBC/BBVA Compass/LPL, partnerships
  • Future cash flows, forecast
  • Generally accepted accounting principles (GAAP)
  • Global population, unbanked/underbanked characteristic
  • Goldstein, Rob
  • Good Technology
  • Goodwill
    • creation
    • defining
  • Gordon Growth model
  • GPR prepaid/debit/payroll cards, provision
  • Graham, Benjamin
  • Great Recession, aftermath
  • Grip (mobile banking tool)
  • Growth
    • influences
  • Growth Strategy Survey (2015)
  • Guideline company analysis, summary
  • Gyft (payment company case study)
    • analysis
    • consumer/retailer adoption, growth
    • consumer value
    • corporate events
    • differentiation
    • retailer value
    • target
  • Hackathon, hosting
  • Hall, Jerry
  • Harms, Travis
  • Henry, Jack
  • Hewlett Packard, involvement
  • Hock, Dee
  • Holding in
  • Holistic financial life management
  • Hometown Community Bank, acquisition
  • Honest Dollar, Goldman Sachs acquisition
  • Horizontal applications, impact
  • Housing market, collapse
  • Hunt, Bob
  • Hurdle rates
  • ICE/Interactive Data
  • IFRS standards
  • Incentive stock options (ISOs)
  • Income approach
  • Indepdendent ATM deployers (IADs), creation
  • India/Africa, bank account/mobile subscription comparison (percentage)
  • Industry experts
  • Information Technology Inc. (ITI), acquisition
  • Initial public offerings (IPOs)
    • markets, impact
    • ranking
  • Innovation
    • core processes, role (evolution)
    • increase
  • Insurance
    • agency distribution model, pressure
    • data analytics, impact (increase)
    • future
    • providers
      • customer relationships, disruptor challenges
      • InsurTech disruptors, challenge
    • technology trends
  • Insurance-linked securities (ILSs)
  • InsurTech
    • competitors
    • disruptors, impact
    • financing trend
    • introduction
  • Intangible assets
    • identification
  • Intellectual property
  • Interim cash flows
  • Internal rate of return (IRR)
    • analysis
    • COE, comparison
    • determination
    • impact
    • spread
  • Internal Revenue Service (IRS) Revenue Ruling
  • Internet of Things (IoT)
    • potential
    • spending
  • Interpretation of Financial Statements, The (Graham)
  • Investment returns
    • basics
  • Jack Henry & Associates
  • James, Raymond
  • Jemstep, Invesco acquisition
  • JH Banking, evolution
  • JP Morgan
    • FinLab
    • Motif, partnership
  • Kernel (system)
  • KKR/First Data
  • Legacy systems, usage
  • Legacy technology systems, company reliance
  • Lenders, credit cycle
  • Lending
    • alternative lending, impact
    • leveraging technology, impact
    • trends
  • Lending Club
    • founding
  • Leveraging technology, usage (growth)
  • Lewis, Michael
  • Liabilities
  • Line call
  • Linq (NASDAQ)
  • Liquidity
    • options
    • provision
  • Live Oak Bancshares (LOB)
  • Loan portfolio diversification, addition
  • Long-term shareholder value, creation
  • Loyalty programs, retailer-specific mobile payment apps (relationship)
  • LPL, FutureAdvisor (partnership)
  • Lu, Bo
  • Madden v. Midland Funding
  • Management structure, impact
  • Margins, examination
  • Market
    • approach
    • data, derivation
    • metrics, usage
    • public market information, multiples/margins
    • volatility, impact
  • Mastercard
    • examples
    • growth drivers
    • initial public offering
  • McFarlane, John
  • McKelvey, Jim
  • Median community bank ROA/ROE
  • Median EBITDA margins
  • Median enterprise value/EBITDA multiples
  • Mercer Capital
  • Mergers and acquisition (M&A)
    • activity
      • trends
    • exits
    • overview
  • Merrill Edge
  • Metavante Technologies Inc.
  • Microinsurance, expansion
  • Microsoft Money
  • Minority shareholders
  • Mobile banking account usage, disparity
  • Mobile money, rise
  • Mobile subscription, bank accounts (comparison)
  • Montonaro, Don
  • Morais, Diane
  • Mortgage
    • banking, cyclicality
    • market
    • originators, ranking
  • Motif, JP Morgan (partnership)
  • MPayMe acquisition
  • Multiperiod excess earnings method (MPEEM)
  • NASDAQ
    • Linq
    • Private Market
  • NASDAQ, NASD creation
  • National BankAmericard Inc.
  • Net interest income trends
  • Net interest margins (NIMs)
  • Netscape, IPO
  • NetSpend voting stock acquisition
  • New New Thing, The (Lewis)
  • New York Stock Exchange (NYSE) automation
    • FIS trading
  • Non-compete agreements
  • Non-interest income
  • Nonqualified options
  • Norcross, Gary
  • OnDeck
    • IPO/stock price decline
  • Online brokerage industry, evolution
  • Online Broker niche, public trading
  • Online brokers
  • Open Solutions
  • “Opportunities and Challenges in Online Marketplace Lending” (DOT)
  • Option pricing method (OPM), inputs (calibration)
  • Options, forms
  • OSI
  • Over-the-counter (OTC) market, NASDAQ creation
  • Partners
    • equity FinTech partners
    • FinTech companies, approach
    • FinTech partners, investment
  • Partnerships
    • financial returns, assessment process
    • importance
    • options
    • size, importance
    • strengths
    • usage
  • Payment processing, Bitcoin impact
  • Payments niche (public FinTech company niche)
    • trends
  • PayPal
    • EBay acquisition
    • FinTech application
  • Peer-to-peer (P2P) advent
  • Peer-to-peer (P2P) insurance networks
  • Peer-to-peer (P2P) lenders
  • Peer-to-peer (P2P) lending models
  • Peer-to-peer (P2P) money-transfer service
  • Peer-to-peer (P2P) payments, sending
  • Performance metrics
  • Personal Capital, AlliancePartners (partnership)
  • Point-of-sale (POS) segment
  • Porcelli, Frank
  • Post-acquisition risk, sharing
  • Post-close success, incentives (alignment)
  • Powa Technologies
    • analysis
    • burn rate
    • case study
    • executive leadership/management structure, problem
    • history
    • product, problems
  • Price-to-earnings multiples, comparison
  • Price-to-earnings ranges
  • Private Market (NASDAQ)
  • Private markets, IPO markets (impact)
  • Probability-weighted expected return method (PWERM)
    • analysis
      • scenarios
      • synthesis
  • Probability-weighted expected return method (PWERM), inputs (calibration)
  • Probability-weighted stream
  • Processors, usage
  • Profit Stars (ProfitStars)
  • Pro forma (pro-forma) balance sheet
  • Pro forma (pro-forma) capital ratios
  • Property and casualty (P&C)
    • commissions/brokerage fees
    • losses
  • P/TBV multiples
    • comparison
  • Public FinTech companies, niche categorization
  • Public market information, multiples/margins
  • Public returns, comparison
  • Purchase agreements, non-compete agreements
  • QR code (barcode)
  • Quick Response (QR) codes, usage
  • RBC, FutureAdvisor (partnership)
  • Reasonableness, tests
  • Reconciliation
  • Registered investment advisors (RIAs)
    • market share
    • usage
  • Regulatory oversight, evolution
  • Regulatory technology (RegTech)
    • focus
    • opportunity
  • Relay product (Stripe), impact
  • Restricted stock, equity incentives
  • Retail banks, alternative lending platforms (contrast)
  • Retailer-specific mobile payment apps, loyalty programs (relationship)
  • Retention bonuses, option
  • Return on assets (ROA), increase
  • Return on equity (ROE)
    • increase
    • median
    • spread
      • FinTech partnership, comparison
  • Return on investment (ROI)
  • Returns
    • comparison
    • internal rate, analysis
  • ribbit.me
  • RICO lawsuits
  • Ripple
  • Risk
    • consideration
      • absence
    • growth, trade-offs
    • perception
    • profile, bank comfort
  • Robo-advisors
    • appearance
    • success, reasons
  • Robo-advisory
    • advisory
    • A.T. Kearney estimate
    • effects
    • position
    • regulatory environment
    • services, metrics (comparisons)
  • Sale, liquidity options
  • Schwab Bank, chartering
  • Section 409A
    • application
    • compliance
    • consequences
  • Self-service
  • Selling in
  • Sell-now versus sell-later analysis, performing
  • Shareholders
    • dissenters, rights
    • long-term shareholder value, creation
  • Share repurchases
  • Shocard
  • Sidecars
  • SigFig, UBS (partnership)
  • SilverLake System
  • Simple (FinTech company)
    • bankers, analysis
    • corporate events
  • Small Business Credit Survey
  • Small Business Credit Survey (2015)
  • Small Business Credit Survey (Federal Reserve)
  • Small-order execution system (SOES), NASDAQ enlargement
  • Smith v. Van Gorkom
  • Social broker, impact
  • Software/hardware companies
  • Solutions niche (public FinTech company niche)
  • Square (payment company case study)
  • Stakeholders
    • FinTech attraction
    • valuations
  • Standard & Poor’s 500 (S&P500), FinTech indices (public returns comparison)
  • Starbucks, application
  • Stock
    • fair market value, valuation process
    • options, equity incentives
    • prices, communication
    • purchases, facilitation
  • Stock appreciation rights (SARs)
    • equity incentives
  • Stock Market Crash (1929)
  • Stripe (payment company case study)
    • analysis
    • buy buttons, building
    • corporate events
    • payments space, incumbents
    • Relay product, impact
  • Sub-Saharan Africa
    • FinTech, impact
    • mobile banking account usage, disparity
    • mobile money/e-commerce, rise
  • Subsidiaries, spinout/spinoff
  • SunGard, acquisition
  • Sunshine State Systems
  • SuperDOT, usage
  • Symitar Systems, Inc.
  • Systematics, acquisition
  • Tangible-equity-to-asset ratio
  • Targeted dividend payouts
  • TBV accretion
  • TBV accretion/dilution analysis
  • TD Ameritrade Holding Corporation, founding
  • Technology
    • blockchain technology, impact
    • impact
    • leveraging technology, impact
    • niche (public FinTech company niche)
    • regulatory technology, opportunity
  • Telebanc Financial Corporation acquisition
  • Tennis junior/professional rankings
  • Tennis Tech (TenTech)
  • Terminal value
    • calculation
    • reasonableness, test
  • Thrifts, overview
  • Tickertape, stock price telegraphs, invention
  • Total System Services (TSYS), NetSpend voting stock acquisition
  • TowerGroup
  • TradeKing, Ally acquisition
  • Trademarks
    • expected revenue stream, determination
    • future use, determination
  • Tradenames, valuation process
  • Transactions
    • analysis, metrics (usage)
    • considerations
    • hurdle rates
  • TxVia
  • UBS, SigFig (partnership)
  • Underwriting
  • Unicorns
  • United States
    • banks, overview
    • community banks, industry trends
    • financial institutions, FinTech (relationship)
    • gross domestic product (GDP), value (addition)
    • robo-advisory regulatory environment
  • Upper-middle-income countries, mobile banking account usage (disparity)
  • UPS Pulse of the Online Shopper survey
  • Valuation
    • approaches
    • as-of date
    • asset approach
    • basics
    • experts
    • gap, addressing
    • income approach
    • indications, synthesis
    • inputs, measurement date adjustment
    • market approach
    • metrics, usage
    • performance, reasons
    • ranges
  • Value
    • creation
      • measurement process
    • equation
    • gaps
    • levels
    • stages
    • standard
  • Value Creation Scorecard
  • Value per share, change
  • Venmo (FinTech application)
  • Venture-backed companies, valuation process (challenge)
  • Venture capital (VC)
    • funds
    • interest
    • investments, valuation
      • example
      • process
    • investors, exit
  • Visa
    • debit cards/payments
    • examples
    • initial public offering
    • structuring
    • total returns
  • Visa International
  • Volcker, Paul
  • Wagner, Dan
  • Walmart Pay
  • Wealth management
    • democratization
    • FinTech innovation
    • niche
  • Wealth Management Americas (UBS)
  • Wealth managers, market share
  • Wetzel, David
  • Willis Group/Towers MOE
  • Xerox, involvement
  • Xu, Jon
  • Yabuki, Jeff
  • Zero-interest rate policy (ZIRP)
    • cessation
    • impact
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