In “Banking
Response to Alternative Finance” in BAI Banking Strategies today, it is
recommended that community and regional banks partner with new digital lenders.
Given that alternative finance companies are likely here to stay, banks would be better off viewing them as potential partners rather than as competitors.
-BAI Banking Strategies
We think this is giving away your most important asset: customer relationships. Here is what digital lenders say at their conferences about partnering with banks:
Marketplace lenders may want banks as channel partners now for borrowers and investors in their loans. But once their platforms starts taking deposits, the gloves come off.
-Rob Suber, President Prosper
A far better option is for
community banks to use a digital technology platform under their brand to offer
loan and payment services where they keep the deposits, loans and the customer
relationships. These better options are
PaySound for consumers and CashFlow Checking for businesses.
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