Our mission is to help each client position their business for long run success. We empower our clients to overcome challenges, grow and digitally evolve.
AI won’t make most human skills obsolete, but it will change how they’re used.
Negotiation, problem solving, and leadership will matter more than ever as people work alongside agents and robots.
Our new Skill Change Index shows which skills will be most, and least, exposed to automation in the next five years: https://t.co/fRXfHF1k56
15% of respondents of Bank Director's 2026 M&A Survey, sponsored by @CroweUSA, say they anticipate a downturn or #recession through the end of 2026.
View the full survey findings here:
https://t.co/QVmawFBtj1
@MaxfieldOnBanks Buy an Enterprise license for ChatGPT $300/mo and you get a far better answer..big difference. Or try the higher order engines. The Beta versions with reasoning are fearsome. The free stuff is like Siri. That said even the higher order ones still need a human in the loop.
Community banks have long been differentiated through relationships and trust. AI enhances those strengths. The question before every Board is no longer if to engage with AI, but how to govern it wisely, adopt it securely, and use it to serve clients. https://t.co/DKChp5tGDV
PE firms are now credit firms
Apollo: 82% of AUM is credit ($723B)
Ares: 72% credit ($391B), PE down to 5% from 9%
Blackstone: Credit now 33% vs PE at 31%
Successful pivot from “financial engineering” to “financing the real economy”
Following up on prior posts about the US affordability debate:
This chart from the Financial Times illustrates why housing has become one of the areas of key policy focus for the Administration.
#economy#affordability#housing#markets@FT
This is why people have grown increasingly worried about the financing behind AI over the past few months: bond issuance has surged since September, and global financing of data centers is expected to balloon to almost $3 trillion just through 2028. https://t.co/IG78HUnVQJ
The basic problem with #pulte idea for 50-year mortgage is that it would be more expensive than a 30, even if you were in the house for < 10 years. Spreads. There are 50-year dollar swaps, but no cash market in @USTreasury bonds. A floater is a better choice for most borrowers. Meanwhile, mortgage spreads are collapsing.... @stlouisfed
US consumer delinquencies are surging:
3.0% of auto loans transitioned into 90+ days delinquency in Q3 2025, the highest in 15 years.
At the same time, 7.1% of credit card debt became seriously delinquent, near the highest in 14 years.
Student loan serious delinquencies spiked +13.5 percentage points YoY, to 14.3%, an all-time high.
This followed the expiration of the student loan relief period, as missed payments began reappearing on credit reports.
Mortgage delinquencies also increased, with 1.3% transitioning into serious delinquency last quarter, the highest in 8 years.
Consumers are drowning in debt.
#Banks should carefully weigh the #pricing benefits of long-term #coreprocessing contracts against the strategic inflexibility & high fees associated with early termination.
https://t.co/UesPg4IBdo @BallardSpahrLLP
Banks should review the core processing contract regularly as part of vendor #riskmanagement & consider the strategic and #technological changes that will affect the relationship.
https://t.co/UesPg4J92W @BallardSpahrLLP
A clear predictor of a successful platform conversion is whether an #FI takes the time to conduct a thorough needs assessment before evaluating #vendors.
https://t.co/ZJua7Yln3r @alkamitech