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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.”

Just over the tech horizon

What’s new now will be old in a few months—and new things will be new
Finn, the JPMorgan Chase entry in the mobile-only race, is in pilot, but Jamie Dimon says pushing customers out of branches would not be the right way to make Finn grow.

Jamie Dimon on clicks vs. bricks

JPMorgan Chase chief invests heavily in digital but doesn’t “push” it
Paying down student debt outweighs holiday cheer this season.

Student loans play Grinch this year

Most would choose a payment in lieu of a gift, finds borrower poll
An alternative to starting a new bank is buying a small-town bank and transplanting the headquarters to a metro market.

Charter migration, the other way into banking

Acquiring and relocating a small-market charter to a metro market
The U.S. economy is going to have a new Federal Reserve Board chairman at the wheel.

How will Powell drive the Fed car?

He may have one foot on the gas, the other on the brake
Bitcoin grabs the headlines, but the blockchain technology behind it could have significant impact on the foreign exchange business.

How blockchain technology could change FX

An improved KYC process is just the beginning
Your bank shouldn't first learn of deferred comp problems in the midst of negotiations.

Avoid this M&A roadblock now

Deferred comp issues can complicate a deal. Fix them up front
Tech Viewpoint: Open banking could be the start of a whole new wrinkle in banking.

Why open banking will reboot banking

Open API and PSD2 will boost bank innovation, with fintech help
Obvious and mediocre won’t be found here—but “Why didn’t I think of that?” will! Challenging the banking status quo is Dan Fisher’s personal mission.

Are you paying too much?

Ask yourself these questions about your tech provider
Who stands behind these currencies? Federal Reserve Vice-Chair Randal Quarles made a comparison in addressing the immediate future of digital currency in the U.S.

Quarles urges caution on digital currency

How would virtual money behave in stressful times? he asks
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