Synchrony与Ally Financial达成协议 - Synchrony将收购Ally的销售点融资业务[1] - 这项收购包括22亿美元的贷款应收账款，与2500家商户和45万活跃借款人的关系[2] - 这将使Synchrony增强在家庭装修和健康保健融资领域的存在，计划在家庭装修垂直领域提供循环信贷和分期贷款[3] - Synchrony总裁兼首席执行官Brian Doubles表示，这项收购将增强Synchrony的地位，向近2500家Ally Lending商户提供多产品组合，并实现有吸引力的规模经济，同时进一步实现商户基础的多样化[4] Ally Financial的战略调整 - 对于Ally来说，这笔交易将使公司优化风险调整后的回报[5] - Ally Financial首席执行官Jeff Brown表示，出售Ally Lending是投资资源于增长规模业务和加强与经销商客户和消费者关系的更广泛计划的一部分[6] 交易预期和行业趋势 - 预计交易将在2024年第一季度完成，Synchrony和Ally将共同努力确保商户、客户和员工的顺利过渡[7] - 消费者在寻找医疗保健方面越来越注重成本效益，Synchrony健康与健康部门的执行副总裁兼首席执行官Beto Casellas表示，人们在疫情期间积累的储蓄用尽，经济放缓，这种需求预计将在2024年继续增长[8] - Casellas指出，随着更多人积极寻找成本效益的选择，我们观察到医疗保健消费主义的激增[9] Ally Financial的高管变动 - Ally Financial最近的另一条消息是，公司表示其经销商金融服务总裁Douglas Timmerman将于2月1日接任临时首席执行官，此前首席执行官Brown将于1月31日卸任首席执行官，成为汽车零售组织Hendrick Automotive Group的总裁[10]

LoanDepot continues to deal with a cybersecurity incident that began Jan. 8.Customers said on social media and forums that they have been unable to access their online accounts, submit mortgage payments or close deals since that time, TechCrunch reported Friday (Jan. 19).“LoanDepot is experiencing a cyber incident,” a banner on its homepage and a note on its page devoted to operational updates related to the incident said Friday.The company posted an update to the site Friday at 5 p.m. Eastern time saying, ...

贷款情况 - Regions Financial在第四季度看到贷款需求持续疲软，客户继续保持谨慎[1] - 平均贷款和期末贷款与上一季度相比略有下降[2] - 商业贷款平均下降了1%，客户对长期投资持谨慎态度[3] - 消费者贷款在季度内保持相对稳定，地产抵押贷款和EnerBank有增长，但家庭净值贷款下降[8] - 预计2024年平均贷款增长率将低于2023年[9] 客户态度 - 客户由于利率上涨、商品成本和劳动力成本增加而不愿进行长期投资[5] - 经济、地缘政治条件和美国政治环境的不确定性也加剧了客户的谨慎态度[6] 预测展望 - 公司预计2024年下半年经济活动将加速，商业贷款和消费者方面的地产抵押贷款和EnerBank贷款将增加[10] - 预计任何增长都将是适度的，并且可能发生在年底[11]

裁员情况 - Wayfair公司裁员1650名员工，占全球员工总数的13%和公司团队的19%[1][2] - CEO Niraj Shah表示公司在经济繁荣时期过度雇佣，偏离核心原则，现在需要调整组织结构以确保公司和客户的利益[3] - Wayfair计划减少团队规模，降低某些职位的资深度，预计年度节省超过2.8亿美元[4]

In a world where Amazon and Walmart are always finding ways to go neck in neck, both retail giants are focusing on enhancing their established strengths this week.  Amazon is launching a generative artificial intelligence (AI) tool that aims to address shopper questions, and Walmart is investing some serious coin into its physical retail — about $9 billion to be exact, to modernize its experience. Amazon AI Tool Tackles Shopper QueriesAmazon is launching a tool that uses AI to respond to shoppers’ questions ...

Coinbase与SEC诉讼 - Coinbase将加密货币购买与收集Beanie Babies进行比较[1] - Coinbase的律师认为，在交易所交易的代币不应被视为SEC管辖范围内的证券[3] - 法院对数字代币是否属于证券的分类一直存在争议[5] - Coinbase希望法官能够遵循对Ripple案件的裁决并驳回SEC的诉讼[6] SEC的观点 - SEC认为购买这些代币实际上是在投资底层网络，因此应被视为证券[8] - Coinbase的律师承认数字资产的购买者可能相信其潜在价值增长，但这种信念本身不应将代币分类为证券[9] 行业影响 - 这起案件可能对数字资产行业产生重大影响，澄清SEC在监管行业中的角色[10]

苹果反垄断诉讼 - 美国司法部准备对苹果提起反垄断诉讼[1] - 美国司法部和苹果律师已经就潜在诉讼进行了三次会面[3] - 美国最高法院拒绝审理苹果和Epic Games关于App Store反垄断诉讼的上诉[5] - 苹果与Epic Games之间的法律纠纷始于2020年[6] - 欧洲将于3月7日实施新的数字门户规定，监控苹果的行动[8] - 苹果的App Store被纳入这项法律[9]

Coinbase与SEC诉讼 - 美国最大的加密货币交易所Coinbase将在周三（1月17日）与美国证券监管机构SEC在法庭上对质[1] - Coinbase将辩称SEC应该放弃对其提起的诉讼，因为该交易所交易的代币与证券不同[2] - Coinbase计划采用过去文件中使用的主要论点，即SEC越权，其列出的交易资产与股票和债券等受监管产品不同[4]

Choosing between fast and secure payments is no longer a question.The choice between establishing robust fraud protection and offering a seamless customer experience has been resolved: Organizations today can have both.PYMNTS sat down with Jason Knell, senior director of commerce services, GTM and content partnerships at Adobe, and Will Wyatt, vice president of global partnerships and channel sales at Signifyd, to discuss payments. They discussed why, when it comes to eCommerce payments, speed and security ...

Visa has completed its previously announced acquisition of Pismo.With the addition of this global cloud-native issuer processing and core banking platform, Visa and Pismo will together provide clients with core banking and card-issuer processing capabilities across all product types via cloud-native application programming interfaces (APIs), Visa said in a Tuesday (Jan. 16) press release.The Pismo platform will also enable Visa to provide financial institution clients with support and connectivity for emerg ...