Article by Endurance
STRIKES AND HITS: AI IN BANKING AND THE RISK–REWARD BALANCE BY SANDIP BHATLAWANDE
In baseball, not every swing is a home run. But standing still at the plate guarantees nothing. Today, small and mid-size banks find themselves in a similar dilemma with AI: should they strike early and risk missing, or wait for the perfect pitch?
Read ArticleRegulatory
OCC BANK MERGER POLICY: WHAT'S OLD IS NEW AGAIN
The OCC is reversing recent changes to its bank merger policies through an interim final rule, citing "confusion and uncertainty" caused by its 2024 final rule.
Read ArticleSPEECH BY GOVERNOR BOWMAN ON A FRESH LOOK AT SUPERVISION AND REGULATION
Governor Bowman delivered a speech about taking a fresh look at supervision and regulation at Georgetown University McDonough School of Business.
Read ArticleFED'S BOWMAN EYES BROAD SET OF BANK CAPITAL REFORMS
The Federal Reserve's top regulatory official said an upcoming rewrite of bank leverage rules is just a "first step" in reviewing "distorted" bank capital requirements.
Read ArticleMYTH VS. FACT: THE GENIUS ACT
The Senate is set to take an important procedural step forward on the GENIUS Act — legislation to establish the first ever regulatory framework for payment stablecoins.
Read Article7 KEY TAKEAWAYS FROM THE 2023 BANKING CRISIS
Financial institutions must stay pragmatic in their evaluation of root causes. The wise learn from their mistakes; the wiser learn from the mistakes of others.
Read ArticleFEDERAL RESERVE RELEASES PLAN TO RELAX KEY BANK CAPITAL RULE
The Federal Reserve plans to roll back a capital rule that big banks say have limited their ability to hold more Treasuries. [Subscription Required]
Read ArticleCapital Markets
OUTLOOK FOR US BANKS
Overview of the current outlook for the US banking sector prepared by Apollo Chief Economist.
Read ArticleBOB DIAMOND SEES GREAT ENVIRONMENT FOR SMALLER US BANKS
Bob Diamond sees "no big warning signs" and says the environment for strong regional banks "could not be better." He also speaks about the market impact of tariffs and the US-China trade framework.
Watch VideoRisk Management
GLOBAL CRISIS MANAGEMENT HANDBOOK
This handbook is intended to help you prepare for a crisis by spotting issues and avoiding common mistakes, including in areas such as information gathering, building the right team, and managing public perception.
Read ArticleRISK MANAGEMENT, NOT REGULATION, SHOULD FUEL AI ADOPTION IN BANKING
Emerging technologies like GenAI and agentic AI, often viewed as risks themselves, can actually help manage the market-driven risks banks face.
Read ArticleDigital Assets
INSTANT PAYMENTS AND STABLECOINS DEMAND CORE BANKING SYSTEM UPGRADES
The banking industry is transitioning from monolithic to modular banking systems, leveraging cloud platforms and SaaS to integrate innovations in faster payments.
Read ArticleFISERV INTRODUCES STABLECOIN AS PART OF NEW DIGITAL ASSET PLATFORM
Fiserv is entering the stablecoin business, planning to launch a digital asset platform that includes a new stablecoin (FIUSD) to be added to its banking and payments infrastructure.
Read ArticleBAC, USB & FIFTH THIRD OPEN TO STABLECOINS AMID REGULATORY SHIFT
Senior executives of Bank of America, Fifth Third Bancorp, and U.S. Bancorp stated they are open to adopting stablecoins as they anticipate favorable regulations.
Read ArticleSTABLECOINS ARE A MONETARY REVOLUTION IN THE MAKING
Marvin Barth says pegged cryptocurrencies could effectively create "narrow banking": a long-held dream of economists looking to separate critical financial functions.
Read ArticleBITCOIN AND DIGITAL ASSET CLARITY IS ESSENTIAL FOR OUR FINANCIAL FUTURE
The GENIUS Act is just the start. The U.S. still needs comprehensive rules covering how digital assets are issued, traded, and regulated.
Read ArticleANCHORAGE CEO: STABLECOINS TO BECOME 'CORE PLUMBING' IN FINANCE
"What we're witnessing now is the early formation of a new financial standard — one that's faster, more transparent, and natively digital," Nathan McCauley said.
Read ArticleArtificial Intelligence
YOUR CUSTOMERS ARE ALREADY DEPLOYING AI AGENTS. ARE YOU READY TO RESPOND?
82% of regional and community financial institutions believe AI will have had more of a positive than negative impact. Despite the excitement around AI agents, bank marketers shouldn't rush in blindly.
Read ArticleREIMAGINING BANKING IN THE AGE OF AI
The question is not about whether AI will transform banking — it already has. Do we want to be part of the transformation shaping the future, or will we stand on the sidelines?
Read ArticleAGENTIC BANKING: ARCHITECTING THE "SINGLE BRAIN"
The essence of agentic banking lies in the seamless collaboration of specialised AI agents, both internal to the bank and external. The task at hand is enormous and demands a robust architecture.
Read ArticleBANKING INDUSTRY, BIG TECH UNITE TO FORGE AI ADOPTION GUIDELINES
Citi and Morgan Stanley joined forces with AWS, Microsoft and Google Cloud to set open-source controls for secure AI adoption in the financial industry.
Read ArticleTechnology
DOES YOUR BANK'S APP MEASURE UP?
A 2024 ABA survey found 55% of U.S. consumers turn to mobile apps to carry out their banking more often than they rely on personal computers, bank branches, ATMs or phones.
Read ArticleLEAD BANK TAPS PRELIM TO MODERNIZE DIGITAL ONBOARDING FOR CONSUMERS AND BUSINESSES
Prelim is now working with Lead Bank to elevate its digital banking experience through award-winning omnichannel onboarding solutions.
Read ArticleMergers & Acquisitions
GLACIER BANK TO BROACH TEXAS IN $476.2M GUARANTY DEAL
The acquisition would add 33 locations, including in Dallas and Houston, to the Montana-based lender's footprint, as well as $3.2 billion in assets.
Read ArticleMAVERICK BANCSHARES TO EXPAND WEST TEXAS PRESENCE WITH SANDHILLS ACQUISITION
The agreement will see Tejas Bank merge into Maverick Bank, creating a regional community bank in West Texas with assets exceeding $650m.
Read ArticleREGULATORY AGENCY TRANSACTIONS
Here are the latest regulatory agency transactions regarding Texas bank applications — including new charters, mergers and acquisitions, and the establishment and relocation of bank branches.
Read ArticleBusiness Banking
WHAT BUSINESS BANKING CUSTOMERS WANT: NEW RESEARCH AND INSIGHTS ON ONBOARDING
Financial institutions that grow in the next decade must take steps to elevate onboarding to the same importance as customer acquisition.
Read ArticleCommercial Payments
SOFI ADOPTS GALILEO'S CYBERBANK CORE FOR IMPROVED COMMERCIAL PAYMENTS
SoFi says it has adopted its subsidiary Galileo's cloud-based Cyberbank Core to power a variety of payment services for commercial clients.
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