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  • Modern Treasury CEO Dimitri Dadiomov
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    Permission granted by Terry Banks

    Banks and fintechs don't need to fight

    Customers win when banks’ strengths — customer relations, scale, profitability and brand — are paired with best-in-class cloud-based software to complement existing systems, writes Modern Treasury CEO Dimitri Dadiomov.

    Dimitri Dadiomov • July 19, 2022
  • 3 ways banking and finance could blur in 2022

    Relationships have taken root where there was once overlap between banks and other financial service providers, writes Fabrizio Burlando, executive vice president of consulting at Mastercard.

    Fabrizio Burlando • March 17, 2022
  • Consumer Bankers Association President Richard Hunt testifies before the House Financial Services Committee about overdraft fees levied by banks on Capitol Hill October 30, 2009 in Washington, DC.
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    Chip Somodevilla via Getty Images

    Regulation by enforcement isn't serving CFPB, consumers or banks

    Establishing clear and transparent rules of the road, rather than announcing guidance through an enforcement action, will yield greater compliance and strengthen protections for all consumers.

    Richard Hunt • Nov. 12, 2021
  • Is finance ready for the super-app revolution?

    With a market of specialized fintech offerings and a customer base hungry for streamlined solutions, there's a race to become the provider of all services. The burden lies on the platform provider to deliver an exceptional experience.

    Kathryn Petralia • Nov. 5, 2021
  • Alliant Credit Union headquarters
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    Permission granted by Alliant

    Fintechs are friends, not foes, of traditional financial institutions

    To test the waters, a financial institution might consider purchasing a pool of loans from a trusted credit union or banking partner that sourced these loans in conjunction with a fintech, an Alliant Credit Union executive suggested.

    Charles Krawitz • Nov. 2, 2021
  • A new leaf for the bank branch

    A café might be a reason to visit a bank branch. But a customer journey map would let banks see how customers interact with digital channels outside the branch and inform digital-first branch remodeling.

    Mohamed Abdelsadek • July 26, 2021
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    Fotolia

    3 steps for scaling as an alternative lender

    Leaning on a growing segment of borrowers (small-business owners), leaning into digital transformation and picking the right solution can help alternative lenders scale through a downturn.

    Jorge Sun • Feb. 12, 2021
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    Fotolia

    The way we look at brokered deposits for banks is broken

    A bank that predominantly holds traditional core deposits is susceptible to a "bank run," whereas one funded primarily by brokered CD deposits is not. That's because these deposits have precise maturity dates.

    Charlie Knadler • Feb. 4, 2021
  • 3 ways to reimagine loyalty redemption in a post-COVID world

    Providing offers consumers care about is not enough, writes Mastercard executive Jamie Samaha. A clunky, manual redemption process can leave cardholders feeling disengaged or duped.

    Jamie Samaha • Sept. 28, 2020
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    Fotolia

    What is slowing banks' digital transformation?

    Lightico CEO Zviki Ben Ishay provides a look at some of the obstacles banks face, including organizational resistance, scalability issues, legacy IT systems and fears about compliance.

    Zviki Ben Ishay • Aug. 17, 2020
  • The digital transformation of payments reaches its next phase

    In addition to providing the technology tools, banks must help educate clients and provide guidance to help ease client transformations from paper to electronic solutions, writes Carl Slabicki of BNY Mellon Treasury Services.

    Carl Slabicki • Aug. 4, 2020
  • Blockchain technology will remove barriers to instant international settlement

    Participants on a next-generation network can transact and have the transaction visible and settled between parties in minutes or even seconds instead of days, writes Haohan Xu, the CEO of Apifiny.

    Haohan Xu • July 16, 2020
  • Don't fight for deposits. Win the hearts of consumers.

    A product-agnostic and engagement-friendly approach encourages employees to solve for customers' end dreams — not to hard-sell a particular piece of technology, writes Alden Seabolt, consumer banking lead at Blend.

    Alden Seabolt • April 29, 2020
  • Reciprocal deposits can help community banks save small business

    Allotting space on their balance sheets allows banks to immediately increase lending to small businesses before having to scour for additional deposits, writes Tom Nelson, CIO at Reich & Tang.

    Tom Nelson • April 22, 2020
  • Banks prioritize technology to deliver during coronavirus crisis

    At a time when human-to-human contact presents a risk, automation is seeming less like a disruption, writes Octavio Marquez, senior vice president and managing director, Banking Americas, at Diebold Nixdorf.

    Octavio Marquez • April 20, 2020
  • Transmission electron micrograph of SARS-CoV-2 virus particles, isolated from a patient.
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    National Institute of Allergy and Infectious Disease. (2020). "Novel Coronavirus SARS-CoV-2" [Image]. Retrieved from https://www.flickr.com/photos/nihgov/49655318098/in/album-72157713108522106/.

    Banks should double down on personal touch despite coronavirus fears

    Financial institutions should be taking extra steps to help their senior customers use digital tools, NBH Bank's Whitney Bartelli and Patrick Sobers write. 

    Whitney Bartelli and Patrick Sobers • March 23, 2020
  • 3 ways community banks can harness the changing definition of 'community'

    Catering to a group that shares an affinity such as a local sports team can help a community bank strengthen its bond with potential customers, writes Dondi Black, a senior manager of payment services at FIS.

    Dondi Black • Feb. 19, 2020
  • Industry-led groups are only the 1st step to open banking

    U.S. policymakers must make financial data sharing more fair and transparent if they want Americans to have the same access to fintech tools as other people, a Financial Data and Technology Association executive writes.

    Steve Boms • Jan. 27, 2020
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    Rohit Tandon via Unsplash

    Mobile wallets let local markets leapfrog card payments

    Fintech innovations have enabled many countries to skip over certain payment methods in their financial evolution, writes Steve Villegas, a vice president at PPRO.

    Steve Villegas • Jan. 21, 2020
  • Dropping 'digital' from digital banking: 5 trends for 2020

    Tech companies that want to bank could have a breakout year. Meanwhile, businesses will continue to go paperless, people cashless, and banking-as-a-service will court greater buy-in, a Mastercard executive writes.

    Jeff Hindle • Jan. 13, 2020
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    Permission granted by BankMobile

    3 questions to gauge how well a fintech partnership fits

    Investigate your potential partner's sustainability, relationship with regulators and approach to fighting fraud before joining forces, writes BankMobile's Luvleen Sidhu.

    Luvleen Sidhu • Dec. 16, 2019
  • Banks should apply customer data more smartly to instill greater trust

    Financial institutions are often strong on security, but they should consider emulating Amazon or Netflix, which boost user experience by proving they know their customers' preferences, Experian's David Britton writes.

    David Britton • Dec. 9, 2019
  • Think globally: 4 tips for payment success

    Keeping up with innovation and limiting cross-border friction can be crucial to growth, writes BlueSnap CEO Ralph Dangelmaier.

    Ralph Dangelmaier • Dec. 2, 2019
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    Fotolia

    Community banks must use personal connection to partner with small businesses

    A trusted, local banker might come to the same decision as a more impersonal lender, but he or she will at least sit down with you and discuss options before doing so, writes Patrick Sobers, executive vice president at NBH Bank.

    Patrick Sobers • Oct. 9, 2019
  • Banks serving cannabis businesses have a twofold responsibility

    Pioneering financial institutions serving the industry have passed multiple exam cycles. The playbook doesn't have to be written from scratch, writes Tony Repanich, president and chief operations officer at Shield Compliance.

    Tony Repanich • Oct. 3, 2019