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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
Sometimes taking money out can actually result in savings.

One small voice for cash in digital world

Volunteer program seeks to boost cash withdrawals as budgeting tool
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
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
Genpact's Raja Bose sees acceptance of artificial intelligence in banking moving gradually, like many other forms of new bank tech.

AI acceptance by consumers is work in progress

Privacy a concern, preference for people, and not always aware of what’s already here
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
Accenture's Alan McIntyre discusses what possibilities open banking will unlock in the U.S.

What will U.S. open banking look like?

Issues that banks—and consumers—must consider as change arrives
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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