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S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

D.C. impacts credit picture

Political gridlock weighing on U.S. bank loan growth
A new generation will take financial services into the future. In the new blog "Next Voices," being previewed here, a rotating group of bloggers of the younger generation will share what they are learning, thinking about, and doing. Proposals from guest bloggers are also invited. Please email scocheo@sbpub.com

3 skills to look for in your next hire

Both hard skills and people skills matter
The chairman's shoes are large ones to fill when the job is being done right. Who should wear your bank's next?

Who gets the gavel next?

Looking for a new board chair? Right pick can be critical
The Bank for International Settlements has introduced a new wrinkle for the foreign exchange business—a code of conduct.

Conduct code comes to FX business

Signing code means abiding by set of ethical practices
“There’s really not much that indicates we’ve learned anything new over the last several cycles,” says veteran lender and CEO Ed O’Leary. He aims to fix that.

How well can you tell a story?

Bankers are sales people, and storytelling helps
From careless downloading of malware to malicious activity by a disaffected employee, people issues can make or break your bank's cyberdefenses.

10 ways to enhance cybersecurity with “people practices”

Ultimately, cyber-risk is a people issue, and HR can help
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

What is AI really good for?

Before boarding the bandwagon, pick one with the right features
Involvement by the Securities and Exchange Commission in "initial coin offerings," or ICOs, was probably inevitable.

SEC issues guidance on token offerings

Long-standing “Howey” test lives on—now in a lesson in what not to do when it comes to cryptocurrency world’s token offerings
Capco's Ben Jessel, while a self-described "blockchain evangelist," sees amazing things coming when new tech cross connects.

When fintechs converge …

“Snap-together” technology could produce unthought-of possibilities
Why wouldn't a farmer equipped with the latest ag tech want the latest in bank tech? Don't fall for stereotypes, warns Next Voices blogger Kelsey Neisen.

Farmer Jones wants mobile banking

Is your bank succumbing to business-eroding stereotypes?
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