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Steve Cocheo

The smaller they are, the harder they have to push.

Reg burden hits small hardest

Study finds economies of scale, and little match between spending and exam ratings
During a briefing about risks faced by national banks, Comptroller Joseph Otting discussed the status of the OCC fintech charter proposal.

Update on fintech charter and other fintech developments

Comptroller Otting indicates market shift may influence policy decision
Interest rate risk and credit risk rank highly on OCC's list of factors to watch.

OCC eyes rate risk and more

Agency updates its national bank risk agenda
AI is at the beginning of its voyage, and financial players are still finding their way.

Getting real about AI

Look at what’s going on, not what’s in the movies
National banks should get back into smaller consumer installment loans, and can confidently proceed knowing the Comptroller's Office approves of the concept, according to policy document issued this week.

Make small consumer loans, OCC urges

New bulletin meant to send signal of agency acceptance
Careful users of alternative forms of borrowing may prove to be good prospects for traditional installment credit, according to TransUnion.

Alternative loan borrowers may be traditional prospects

Debt management ability found among users of payday and other short-term credit
In time banks may develop a blend of digital delivery, human interaction, and augmentation of the latter with artificial intelligence, suggests Genpact's Raja Bose.

People still want people

Digital’s wonderful—but not always enough
Business banking has an analytical ramping up ahead of it, predicts Duncan Banfield of Greenwich Associates.

Bringing data analytics to business banking

Deeper understanding will create next-generation commercial relationship managers
BofA execs and others gave fintech startups a sense of how new technologies come aboard at megabanks at a recent tech seminar.

When startup fintech meets megabank

BofA tech summit seeks mutual understanding
A bank-Amazon teamup has many bankers concerned about the future, but that's not the only worry they have, according to a new poll from Promontory Interfinancial.

Is Amazon specter darkening banker outlook?

Banker confidence index falls and ecommerce leader ranks highest on competitive worry list
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