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Fintech - Banking Exchange
Finicity’s Steve Smith sees a cooperative bank-fintech effort at U.S. open banking standards setting coming together later this year.

Is there a “Bluetooth” for U.S. open banking?

Market-based framework would step in where government has not
Maybe Australian students will come up with a way to enhance security as open banking unfolds.

SWIFT seeks open banking security ideas

Student challenge looks for ways to keep personal data safe in Open API world
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.”

Technology trends shaping up for 2018

More of the same, yet likely very different
Has a credit union figured out one way to put depository institutions back into the small-dollar-loan game?

For fintech owned by a CUSO, will banks buy?

Sustainable small-dollar product has met with only credit union interest so far. Reg risk, not politics, is the issue
Odds are, this child knows now what a dog is. For artificial intelligence, the learning process isn't as straightforward, nor as quick.

AI debate: "What's a dog?"

Debate over potential for artificial intelligence centers on how it learns
Why don't more innovations actually make it from the innovation lab to the bank's lines of business?

Making innovation centers actually produce it

Joining innovation club means nothing if bank doesn’t build on center’s work
Is that a banking app being used, or something being offered by a fintech player that uses banking rails?

6 features every bank app should have

Millennials want them, so you’d better know what they are
The best of partnerships must be monitored to be sure that everything works as planned. The bank and its fintech partner shouldn't be blindsided by ticklish issues.

Making innovation partnerships work

4 steps to keeping a partnership on track
A federal judge says a decision on the key question of whether OCC is empowered to issue fintech charters cannot be addressed yet.

Not “ripe,” says judge dismissing N.Y. fintech charter challenge

Lack of final rules and no actual charters granted tip scale
Deloitte's Jim Eckenrode says bankers need to balance cool new technologies with efficiencies in order to produce excellent customer experiences.

Faster than a speeding hype?

Think less about digital transformation, and more about transformation overall
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