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Artificial Intelligence

The implications of how a consumer links a financial app to their bank may be transparent to them, but have a bearing on financial services competition.

Mobile apps, connectivity, and banking’s future

Fed governor lays out impact of APIs, screen scraping, and related issues
Do you have a tech project headed for disaster? Anna Murray, the "Tech Sherpa," regularly presents real-world suggestions on how to solve technology conundrums.

5 ways not to save failing tech projects

Here are “don’ts” to know before the rescue begins
Tech Viewpoint: Should banks open their virtual doors to third-party applications?

Open APIs: Good move for your bank?

Ultimately, they are another argument for partnership
The veritable growing bounty of data available to marketers will be coming under restrictions in Europe. U.S. institutions doing business with Europeans will be affected by these rules. But all American banks must consider the European framework, as data usage here comes under increasing examination.

Will EU’s new data reg hit your bank?

New wrinkle would pull in American banks that serve European residents
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
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
Much excitement accompanies the launch of a new cryptocurrency. But eventually, according to blogger William Mougayar, business gravity will take over.

The darkness side and long honeymoons of token sales

What happens after the “initial coin offering”?
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
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