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“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.

Balancing fintech and credit quality

Finding new ways to make bad loans shouldn’t be industry’s creative avenue
Part 3 of a series: What can a set of “laws” created by a science fiction author who began writing in the late 1930s have to do with banking’s future? This was part of a wide-ranging discussion Banking Exchange editors had with financial futurist Chris Skinner.

Of relationships human and bot

Could it be that the best is yet to come? asks Chris Skinner
Biometrics has been evolving to include not only what you are, as above, but what you do.

You are what your mobile says you are

Many features of devices can support biometric authentication methods
What do cardiac surgery and "complex" IT tasks have in common? Unlike "simple" and "complicated" tasks, complex tasks can lead to real failure.

Complexity (and risk) hides in tech projects

Learn how to spot IT “complexity”—and why you must
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.

From bank numbers guy to bank’s numbers guy

Veteran KBW analyst Jefferson Harralson makes big change, becomes CFO of United Community
Part 2 of a series: Is U.S. banking falling behind in the long-run because of the separation of banking and commerce? Banking Exchange editors explore this and other trends in the fintech revolution with Chris Skinner, fintech blogger and creator of the Financial Services Club in Europe and the U.K.

Is the world lapping U.S. financial innovation?

Chris Skinner: U.K., China, and other countries disrupt structure by policy. U.S. favors traditional boundaries
Tension between the two parts of the American dual-banking system came to a head again with the CSBS lawsuit resisting the Comptroller's fintech charter proposal.

State regulators sue OCC over fintech charter

CSBS files federal action to halt proposed new bank type
Part 1 of a series: Banking Exchange editors talk to fintech expert Chris Skinner about change in the financial services business; the need for clean data to realize the promise of new technology in banking; and why geography still matters in banking progress.

Chris Skinner and the “No Fear Zone”

Don’t fear AI, robotics, or a digital future, says fintech observer
Vendors boost real-time payments at The Clearing House

Vendors boost real-time payments at The Clearing House

Flurry of announcements to usher in connections to coming real-time payments platform
Banks generate huge pools of data and that will only increase as digital banking becomes the norm. The question is how to best harness all that information to best serve customers.

Analytical eye brings greater customer insight

New approaches open opportunities for data-driven marketing, compliance, and fraud mitigation
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