Business Viewpoint: Improving efficiency, implementing new technology, can generate big business improvements

More insights

What a Mathematician, an Aerospace Engineer, and a Mechanical Engineer Taught Me About Governing AI

Lessons from a mathematician, an aerospace engineer & a mechanical engineer on governing what you cannot fully understand, & the posture bank directors need toward AI oversight.

Digital & AI

Article

The Agentic Trap: Reading Between the Lines of Deloitte's AI Report

Deloitte's 2026 State of AI report reads as inevitable growth. An operator's view of the implementation risk beneath the optimism, from a 40% agentic failure rate to the governance banks need before decisions run autonomously.

Digital & AI

Article

Stablecoin Use Cases

The GENIUS Act put guardrails on stablecoin issuance in July 2025. Four use cases for banks, and an honest look at where existing payment rails still hold the advantage.

Digital & AI

Article

Strikes and Hits: AI in Banking and the Risk–Reward Balance

Why small and mid-size banks should engage AI now rather than wait, and how to balance risk and reward.

Digital & AI

Article

My AI Journey

A banking executive's year inside the AI shift: agentic systems, the primacy of clean data, the art of the prompt, and an honest account of what still goes wrong.

Risk & Compliance

In the Media

2024: Another Year of Regulatory Intensity by Stephen Curry

A look at the regulatory intensity facing banks in 2024, by Stephen Curry.

Digital & AI

In the Media

Business Viewpoint: Improving efficiency, implementing new technology, can generate big business improvements

Stephen Curry discusses the acceleration of digitization, and how the pandemic has forever changed how customers interact with businesses. Delaying adoption of digital will only limit your ability to compete and shorten the future of your business.

Risk & Compliance

In the Media

Flowers: What is the ‘new normal’ for small businesses?

As business confidence rises, how small business has changed across five areas: employees, suppliers and partners, customers, community, and technology.

Risk & Compliance

In the Media

Top Opportunities for Growth in Mortgage Banking in 2021

Stephen Curry’s article for National Mortgage News provides valuable insights into top growth opportunities for mortgage banks in 2021.

Digital & AI

White Paper

Emerging Digital Payments Companies Cannot Overlook Sanctions Protocols

Amid the heavy growth of start-ups in the digital payments and currency space, OFAC’s (U.S. Treasury’s Office of Foreign Assets Control) announced settlement agreement with BitGo, Inc., sends a clear message: a lack of sanctions compliance can be costly.

Digital & AI

White Paper

Embrace New Processes to Ensure Technology Implementations are Successful

Most transformation projects fail entirely, or at least fail to deliver promised results. Many small financial institutions use technology to transform business operations in the pursuit of efficiencies and other competitive gains within their industries. Many of these efforts fail to achieve their strategic objectives. These well-intentioned efforts often suffer significant cost overruns and scheduling delays which erode the initial value proposition. The traditional response is to drive more rigorous management routines and delay or cancel the project. In many cases, management fails to understand the underlying issue impacting performance.

Digital & AI

White Paper

Be a Top Relationship Bank for Your Clients: Evaluate Your Payments Platform to Grow and Retain Commercial Clients

2021 is the year to create a strategy to grow your commercial banking relationships by leveraging your bank’s payments platform. Listen to your commercial clients. They will speak to their needs related to accepting credit and debit cards, invoicing their vendors, and detailed transaction reporting on deposits and payments. This article suggests five ways to improve your payment product offerings to meet your clients’ needs and grow commercial relationships.