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Steve Cocheo

Fintech’s momentum outpacing banks

Are fintechs winning the race for customers? The World Retail Banking Report 2016 produced by Capgemini and Efma looks at the trends worldwide. This article recaps the research. A companion article probes the views of two Capgemini consultants.

Part 1: International survey shows fintech providers going mainstream, banks shift attitudes

What Amazon, Google, and Uber taught customers

Are fintechs winning the race for customers? The World Retail Banking Report 2016 produced by Capgemini and Efma looks at the trends worldwide. This article presents insights from two Capgemini consultants. As companion article recaps the research.

Part 2: Fintech lessons: Banks must balance “segment of one” thinking against “creepiness”

Balancing blockchain risks and rewards

Federal Reserve Board Governor Lael Brainard didn't exactly say "Whoa there! Hold everything!" to an audience at a blockchain conference. But she made it clear that the central bank intends to be very involved in where distributed ledger technology goes in the U.S.

Federal Reserve’s Brainard sees potential, but insists that implementation must be safe

Fintechs pull ahead in personal loans

Fintechs pull ahead in personal loans

Overall volume growing among better credit borrowers

Marveling over banking experiences

Synchrony Bank's Marvel affinity cards are just one part of a marketing tie-in program between the card issuer and the comics company.

Captain America & company really save America—well, help America save

Fintech on other side of the pond

Fintech on other side of the pond

U.K. government just wild about fintech

Fintech, ducks, innovation, and “unintended consequences”

Reporter's Notebook is where Banking Exchange staff rise above the ordinary fray to get a perspective on what's going on. This edition looks at how an analogy about quacking ducks evolved from a pro-deregulation statement to something much different.

SF Fed president weighs risks, rewards, and invokes famous quote in new way. Marketplace lenders form trade group

When real estate’s a laundering channel

Money laundering comes in many forms, from cash in a suitcase traditional to “flying money” trade-based techniques. FinCEN issued pilot orders earlier this year looking at the potential use of real estate as a laundering vehicle.

FinCEN chief says NY and Florida “GTOs” represent pilot effort to expand reach

Glimpse of Fed on fintech

“It’s been a while since we’ve seen a true game-changer,” said Teresa Curran, director of the San Francisco Fed’s supervision and credit division, “but fintech may be one.” She says regulators must find a way to oversee innovation without snuffing out developments everyone would find valuable.

SF Fed official discusses potential rewards versus risks, activity to understand them

Understanding minority-owned businesses

Better lending to minority-owned small businesses begins with better information about this market. New data from Experian fleshes out banker knowledge of this potential customer base.

New research highlights details about population, credit trends

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