--- title: Paladin Blog | M&A description: M&A | --- [![Paladin fs](https://blog.paladin-fs.com/hubfs/Paladin_September2019%20Theme/Images/logo-paladin-dark.svg) ](http://paladin-fs.com/) - [![LinkedIn](https://blog.paladin-fs.com/hubfs/Paladin_September2019%20Theme/Images/linkedin.svg) linkedin ](https://www.linkedin.com/company/paladin-fs-llc/) - [![Twitter](https://blog.paladin-fs.com/hubfs/Paladin_September2019%20Theme/Images/twitter-logo-button.svg) twitter-logo-button ](https://twitter.com/Paladinfs) ![paladin_blueline2](https://blog.paladin-fs.com/hubfs/paladin_blueline2.jpg) # Paladin Blog ## [Terminate the Termination Fees: Banks must put an end to outrageous terms](https://blog.paladin-fs.com/blog/terminate-the-termination-fees-banks-must-put-an-end-to-outrageous-terms) Posted by [Aaron Silva](https://blog.paladin-fs.com/blog/author/aaron-silva) on Nov 5, 2018 2:18:26 PM - [Tweet](https://twitter.com/share) [![contract-rip-up.jpg](https://blog.paladin-fs.com/hs-fs/hubfs/contract-rip-up.jpg?width=767&name=contract-rip-up.jpg) ](https://blog.paladin-fs.com/blog/terminate-the-termination-fees-banks-must-put-an-end-to-outrageous-terms) *Excessive fees create a manufactured barrier to acquiring competitive technology that would help the banking industry survive and flourish. This is an unfair business practice at any measure and may not be legal in many states.* [Read More](https://blog.paladin-fs.com/blog/terminate-the-termination-fees-banks-must-put-an-end-to-outrageous-terms) 0 Comments [Click here to read/write comments](https://blog.paladin-fs.com/blog/terminate-the-termination-fees-banks-must-put-an-end-to-outrageous-terms#comments-listing) Topics: [Contract Negotiations](https://blog.paladin-fs.com/blog/topic/contract-negotiations), [community banks](https://blog.paladin-fs.com/blog/topic/community-banks), [Credit Unions](https://blog.paladin-fs.com/blog/topic/credit-unions), [vendor merger](https://blog.paladin-fs.com/blog/topic/vendor-merger), [M&A](https://blog.paladin-fs.com/blog/topic/ma) ## [Impact of Core and IT on Mergers and Acquisitions: Protecting Shareholder Value](https://blog.paladin-fs.com/blog/impact-of-core-and-it-on-mergers-and-acquisitions-protecting-shareholder-value) Posted by [Aaron Silva](https://blog.paladin-fs.com/blog/author/aaron-silva) on Jul 12, 2018 11:27:09 AM - [Tweet](https://twitter.com/share) [![fullsizeoutput_2](https://blog.paladin-fs.com/hs-fs/hubfs/fullsizeoutput_2.jpeg?width=767&name=fullsizeoutput_2.jpeg) ](https://blog.paladin-fs.com/blog/impact-of-core-and-it-on-mergers-and-acquisitions-protecting-shareholder-value) The vast majority of middle-market community banks and credit unions will at some point explore acquiring or being acquired because M&As are one of the quickest and most effective ways a bank can scale up, expand reach, and grow. Unfortunately, many of these banks have no choice but to watch lucrative M&A opportunities pass them by because they unwittingly agreed to grossly unfair and inequitable terms in their core and IT contracts. [Read More](https://blog.paladin-fs.com/blog/impact-of-core-and-it-on-mergers-and-acquisitions-protecting-shareholder-value) 0 Comments [Click here to read/write comments](https://blog.paladin-fs.com/blog/impact-of-core-and-it-on-mergers-and-acquisitions-protecting-shareholder-value#comments-listing) Topics: [Contract Negotiations](https://blog.paladin-fs.com/blog/topic/contract-negotiations), [community banks](https://blog.paladin-fs.com/blog/topic/community-banks), [vendor merger](https://blog.paladin-fs.com/blog/topic/vendor-merger), [M&A](https://blog.paladin-fs.com/blog/topic/ma) ## [Listen now: Evercore ISI interviews Aaron Silva](https://blog.paladin-fs.com/blog/listen-now) Posted by [Aaron Silva](https://blog.paladin-fs.com/blog/author/aaron-silva) on Jun 14, 2018 10:36:43 AM - [Tweet](https://twitter.com/share) [![fintech-1](https://blog.paladin-fs.com/hs-fs/hubfs/fintech-1.png?width=767&name=fintech-1.png) ](https://blog.paladin-fs.com/blog/listen-now) Global independent investment banking advisory firm Evercore ISI interviews fintech expert Aaron Silva on all things banking. **Listen now** to Aaron's predictions for the banking industry: [bit.ly/SilvaOnEvercore ](https://t.co/Kw8YbO3Pcr) [Read More](https://blog.paladin-fs.com/blog/listen-now) 0 Comments [Click here to read/write comments](https://blog.paladin-fs.com/blog/listen-now#comments-listing) Topics: [Contract Negotiations](https://blog.paladin-fs.com/blog/topic/contract-negotiations), [community banks](https://blog.paladin-fs.com/blog/topic/community-banks), [Fiserv](https://blog.paladin-fs.com/blog/topic/fiserv), [Fidelity](https://blog.paladin-fs.com/blog/topic/fidelity), [Jack Henry](https://blog.paladin-fs.com/blog/topic/jack-henry), [Vendor consolidation](https://blog.paladin-fs.com/blog/topic/vendor-consolidation), [Credit Unions](https://blog.paladin-fs.com/blog/topic/credit-unions), [vendor merger](https://blog.paladin-fs.com/blog/topic/vendor-merger), [M&A](https://blog.paladin-fs.com/blog/topic/ma), [Fintech](https://blog.paladin-fs.com/blog/topic/fintech), [open banking](https://blog.paladin-fs.com/blog/topic/open-banking) ## [Cost Control: Ferreting Out Hidden Costs to Improve the Bottom Line](https://blog.paladin-fs.com/blog/cost-control) Posted by [Aaron Silva](https://blog.paladin-fs.com/blog/author/aaron-silva) on Mar 26, 2018 10:28:19 AM - [Tweet](https://twitter.com/share) [![bottom-line-freight-costs-savings.jpg](https://cdn2.hubspot.net/hub/2186086/hubfs/bottom-line-freight-costs-savings.jpg?width=767&name=bottom-line-freight-costs-savings.jpg) ](https://blog.paladin-fs.com/blog/cost-control) As we enter 2018, it's more crucial than ever for local banks to focus on their bottom lines, and for credit unions to improve member value. The number of banks with less than $100 million in assets has declined by [more than two-thirds](https://www.federalreserve.gov/newsevents/speech/powell20160929a.htm) since 1995 — due in large part to big banks usurping market share.  [Read More](https://blog.paladin-fs.com/blog/cost-control) 0 Comments [Click here to read/write comments](https://blog.paladin-fs.com/blog/cost-control#comments-listing) Topics: [Contract Negotiations](https://blog.paladin-fs.com/blog/topic/contract-negotiations), [community banks](https://blog.paladin-fs.com/blog/topic/community-banks), [Credit Unions](https://blog.paladin-fs.com/blog/topic/credit-unions), [M&A](https://blog.paladin-fs.com/blog/topic/ma) ## [New Beginnings: Strategies to Avoid Mistakes of the Past with Core Banking Software Suppliers](https://blog.paladin-fs.com/blog/strategies-to-avoid-mistakes) Posted by [Alex Lopatine](https://blog.paladin-fs.com/blog/author/alex-lopatine) on Mar 15, 2018 1:22:39 PM - [Tweet](https://twitter.com/share) [![13382](https://blog.paladin-fs.com/hs-fs/hubfs/13382.jpg?width=767&name=13382.jpg) ](https://blog.paladin-fs.com/blog/strategies-to-avoid-mistakes) It's the beginning of a new year, and that equates to an opportunity for a fresh start. For community banks and credit unions, this means the chance to review what obstacles have held them back from competing with the big banks on a level playing field — and to develop strategies to overcome those hurdles in 2018.  Since 1994, the loan market share held by big banks (financial institutions with assets greater than $10B) has relentlessly increased from [50 percent to approximately 80 percent](https://obamawhitehouse.archives.gov/sites/default/files/page/files/20160810_cea_community_banks.pdf). This has left community banks and credit unions with less than a quarter of the overall market — an already meager slice of the pie that is steadily shrinking. So what happened? [Read More](https://blog.paladin-fs.com/blog/strategies-to-avoid-mistakes) 0 Comments [Click here to read/write comments](https://blog.paladin-fs.com/blog/strategies-to-avoid-mistakes#comments-listing) Topics: [Contract Negotiations](https://blog.paladin-fs.com/blog/topic/contract-negotiations), [community banks](https://blog.paladin-fs.com/blog/topic/community-banks), [Credit Unions](https://blog.paladin-fs.com/blog/topic/credit-unions), [M&A](https://blog.paladin-fs.com/blog/topic/ma) ## [The M&A Analysis: The Impact of Core IT Contracts on M&A ](https://blog.paladin-fs.com/blog/the-ma-analysis-the-impact-of-core-it-contracts-on-ma) Posted by [Aaron Silva](https://blog.paladin-fs.com/blog/author/aaron-silva) on Oct 10, 2014 4:03:12 PM - [Tweet](https://twitter.com/share) [![](https://blog.paladin-fs.com/hs-fs/hub/273756/file-1830220386.png/MAtable.png.png?width=767&name=MAtable.png) ](https://blog.paladin-fs.com/blog/the-ma-analysis-the-impact-of-core-it-contracts-on-ma) ## Chapter 1 - The M&A Analysis (Special Edition) ## [![Special Edition MA Analysis](https://no-cache.hubspot.com/cta/default/273756/9182dc30-c027-4213-897f-3caa6aafcf98.png)](https://cta-redirect.hubspot.com/cta/redirect/273756/9182dc30-c027-4213-897f-3caa6aafcf98) Two annual studies by the BPI Network (June 2013 and July 2014) include specific details from several recent merger deals and proves that Core IT contracts are increasingly, and now more than ever, ambushing unwitting bank leaders and negatively impacting mergers. **In some instances Core IT contracts are outright killing deals before they can even start.**  Bank leaders are usually the cause due to a lackadaisical approach toward these business concerns - mainly because few of them understand this area of Non-Interest Expense nor have they previously received training on how to negotiate these areas of an agreement.  [Read More](https://blog.paladin-fs.com/blog/the-ma-analysis-the-impact-of-core-it-contracts-on-ma) 0 Comments [Click here to read/write comments](https://blog.paladin-fs.com/blog/the-ma-analysis-the-impact-of-core-it-contracts-on-ma#comments-listing) Topics: [Paladin Research](https://blog.paladin-fs.com/blog/topic/paladin-research), [vendor merger](https://blog.paladin-fs.com/blog/topic/vendor-merger), [M&A](https://blog.paladin-fs.com/blog/topic/ma) [All posts](https://blog.paladin-fs.com/blog/all) [Content Title](https://blog.paladin-fs.com/blog/topic/ma#) Description < Previous page Next page > ### Recent Posts ### Subscribe Here! ### Posts by Tag - [Contract Negotiations (34)](https://blog.paladin-fs.com/blog/topic/contract-negotiations) - [Fintech (27)](https://blog.paladin-fs.com/blog/topic/fintech) - [Paladin Research (24)](https://blog.paladin-fs.com/blog/topic/paladin-research) - [Fiserv (20)](https://blog.paladin-fs.com/blog/topic/fiserv) - [community banks (20)](https://blog.paladin-fs.com/blog/topic/community-banks) - [Jack Henry (17)](https://blog.paladin-fs.com/blog/topic/jack-henry) - [Credit Unions (13)](https://blog.paladin-fs.com/blog/topic/credit-unions) - [FIS (12)](https://blog.paladin-fs.com/blog/topic/fis) - [Bank Tech Spending (8)](https://blog.paladin-fs.com/blog/topic/bank-tech-spending) - [Editorial (8)](https://blog.paladin-fs.com/blog/topic/editorial) - [Bank Technology (7)](https://blog.paladin-fs.com/blog/topic/bank-technology) - [Fidelity (7)](https://blog.paladin-fs.com/blog/topic/fidelity) - [M&A (6)](https://blog.paladin-fs.com/blog/topic/ma) - [Vendor consolidation (5)](https://blog.paladin-fs.com/blog/topic/vendor-consolidation) - [vendor merger (5)](https://blog.paladin-fs.com/blog/topic/vendor-merger) - [OSI (4)](https://blog.paladin-fs.com/blog/topic/osi) - [Paladin Success Stories (4)](https://blog.paladin-fs.com/blog/topic/paladin-success-stories) - [open banking (3)](https://blog.paladin-fs.com/blog/topic/open-banking) - [bank events (2)](https://blog.paladin-fs.com/blog/topic/bank-events) - [credit union events (1)](https://blog.paladin-fs.com/blog/topic/credit-union-events) [See all](https://blog.paladin-fs.com/blog/topic/ma#) [![Paladin fs, LLC](https://blog.paladin-fs.com/hubfs/Paladin_September2019%20Theme/Images/logo-paladin-light.svg)](http://paladin-fs.com/) P.O. 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