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Steve Cocheo

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.

Fintech’s momentum outpacing banks

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

What Amazon, Google, and Uber taught customers

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

Balancing blockchain risks and rewards

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

Marveling over banking experiences

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
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.

Fintech, ducks, innovation, and “unintended consequences”

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

When real estate’s a laundering channel

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

Glimpse of Fed on fintech

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

Understanding minority-owned businesses

New research highlights details about population, credit trends
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