Why Fintechs Are Beating The Banks In New Checking Accounts

Trump Should Remake The CFPB Into The Consumer Fraud Protection Bureau

Gig Work And Side Hustles Are Turning Gen Z Into ‘Bizumers’

The Problems With The CFPB’s New Open Banking Rule

Baby Boomer-angs: New Banking Opportunities For The Generation That Won’t Go Away

Apple Says Generative AI Isn’t Good At Math

Another Data Breach, More Credit Monitoring. There’s A Better Solution: We’ve become numb to data breaches, believing our data is already out there. And we've been offered credit monitoring 25 times. There's a better solution.

Pretty Soon, Your Loan Application Will Be Reviewed By A Robot: Leveraging machine learning models will help banks improve credit assessment, enable more personalized pricing, and create more efficient collections and loss mitigation.

The Next Wave Of AI In Banking: Intelligent, Autonomous Agents: AI agents are about to have their moment (and it's about time). Too many people think Generative AI tools like ChatGPT are just search engines on steroids. Wrong.

Americans Want ‘Open Banking’ (But Don’t Know What That Means): More and more, whenever I see the term “open banking” used, my eyes roll and I think “ok, let’s see how this over-used, under-defined term is being used this time.”

Should Credit Unions Acquire Banks?: The topic of credit unions acquiring banks is a contentious one. An analysis of past mergers from a leading data provider is flawed and potentially misleading.

Are Community Banks Getting Squeezed Out Of Existence?: Community banks are getting squeezed—a squeeze years in the making and exacerbated by rising interest rates. But, as Monty Python would say, they're "not dead yet."

Digital Banking Metrics: Troubling Trends For Banks And Credit Unions: With declining digital productivity, anemic digital account opening, and floundering bill pay and mobile payments, banks are treading water on digital transformation.

Stop Bragging About Your Company’s Net Promoter Score: Inconsistencies in how the Net Promoter Score is measured renders it incomparable across companies. That doesn't stop the braggarts. Who do they think they're fooling?

Chase’s New Advertising Offering Is A Stroke Of Genius: JPMorgan Chase's new Media Solutions unit will enable the bank to get paid twice for purchases, and create an opportunity to get around interchange pricing limitations.

Is Chime Ready For An IPO? It Has More Primary Customers Than Chase: Chime's $25 billion valuation came in 2021 before fintech valuations declined in the absence of sustainable revenue and business models. Chime has bucked that trend.

How To Be(come) A Great Partner Bank In The BaaS Space: New research from Cornerstone Advisors and BaaS provider Synctera helps points to banks’ growing interest in BaaS and the path forward for banks and fintechs.

Easing The Credit Crisis For Minority Small Business Owners: The issue of affordable credit access is more pronounced for women and small business owners of color. Machine learning and AI can help.

Do Credit Card Shoppers Need A New Comparison Site?: With no evidence that consumers make poor credit card choices because of comparison sites, the CFPB shouldn't use taxpayer dollars to create its own comparison site.

Banks Need To Get On The Buy Now, Pay Later Bandwagon: Buy now, pay later popularity has skyrocketed in the past few years, and it isn't go to slow down. It’s time for banks—and all BNPL detractors—to get with the program.

JPMorgan Chase Is Adding Branches—The Rest Of The Industry Shouldn’t: JPMorgan Chase plans to build 500 new branches in the next three years. That doesn't mean other banks should follow suit.

5 Predictions For Banking And Fintech In 2024: The 2024 predictions for banking and fintech all point to struggles and shortcomings for BaaS, RTP, BNPL, and Gen AI in 2024.

The 2023 Fintech Snark Tank Banking And Fintech Awards: As far as I know, Taylor Swift didn't win any banking or fintech awards this year. Maybe next year she'll offer a debit card so I can give her a Fintech Snark Tank award.

2024: The Beginning Of The End Of Bank-Fintech ‘Partnerships’: Many bank-fintech partnerships aren’t really “partnerships”—they’re client-vendor relationships.

Americans Think They Need To Make $284,000 To Be Happy. They’re Wrong—And So Is The Research.: 62% of Millennials are willing to pay $7 for a daily coffee because of the joy it brings and 73% said they’d give up social media if it meant financial happiness.