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Introduction to the Banking, Mortgages & Credit Industry, Business and Industry Trends Analysis

In recent years (largely as a result of a massive banking crisis during the 2007-2009 recession), global financial regulators have steadfastly made an effort to improve banking reserves and increase financial oversight to the point that future bank system meltdowns might be avoided. Banks in much of Asia, Europe and North America have been put through stress tests by regulators and have been forced to dramatically increase their levels of capital. Banks are holding very high levels of capital that give them a significant cushion of reserves against potential losses.

Meanwhile, methods and technologies that enable both businesses and consumers to make touchless payments and online payments boomed at incredible rates during the Coronavirus pandemic—boosting payment platforms like PayPal, Venmo and Zelle. Consumers quickly replaced much of their physical, in-store shopping with online shopping. Many shopping platforms with integrated payment tools, such as Shopify, saw terrific growth rates.

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