Bankruption : How Community Banking Can Survive Fintech

Content: Cover 
 Title Page 
 Copyright 
 Contents 
 Preface 
 Introduction 
 Additional Thanks 
 Chapter 1: An Overview of the Bankruption 
 Community Banking Has No Future 
 Community Banking Relies Too Heavily on Physical Proximity 
 Today, Data Proximity Yields Intimacy. Data Proximity Has Cast a Very Bright Light on the Cracks of Banking Chapter 2: Community Banking Is Broken
 What Is Community Banking? 
 1. Relationship Data-Based Lending: Just How Valuable Is That Soft Data? 
 2. Geographical Focus: Bank Local, and All That, Right? 
 Where Are All the Institutions Going? FDIC's Three Reasons for Bank Charter Consolidation Voluntary Closures 
 Bank Failures 
 Few New Banking Charters 
 Depopulation and Charter Consolidation Aplenty 
 Branch Banking Realities 
 Legislation Propelled Branch Numbers around the Country. Branch Density Sustains, for Better or Worse The De Novo De No-No 
 These Days, There Are Plenty of Reasons Not to Start a Bank 
 When You Have a Limited Supply of New Banks, Community Banking Suffers 
 The Rise of the Challenger Banks. The United Kingdom Has Nearly 1,000 Financial Institutions, and It Wants Even More Banking Competition This Has Given Way to the Creation of ""Challenger Banks"" 
 The New Challengers Will Not Be Universal Banks 
 A Few of the Challengers and What Makes Them Interesting.