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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.”

What do customers really want?

Banks continue to grapple with customer experience dilemma
Students say yes to Amazon student loans

Students say yes to Amazon student loans

Survey also shows students have more trust in the tech company
S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

What's driving M&A now?

Deposits, desire to avoid another downturn
S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

Which way to go with branches?

While M&A helps whittle banks' branch counts, credit unions keep building
Acting CFPB Director Mick Mulvaney in testimony before the House Financial Services Committee earlier this year.

“Elections have consequences,” Mulvaney tells bankers

Major gearshifts at CFPB—or is it BCFP?—should be no surprise, acting director says
Contingency liquidity plans work well right up until the point where the stop working, warns Jeff Gerrish. A "black swan"—an unforeseen event—may trigger a calamity.

Rolling snowballs, black swans, and bank liquidity

Community banks’ ALCO game’s flipping—don’t misstep
The continuing movement of artificial intelligence into banking will be more a blend of human and machine, rather than "the robots are taking over."

AI may join banker and machine

Not a rivalry, but a partnership, predicts Accenture’s McIntyre in wide-ranging interview
The human element may come to play a greater role in nonbank online lending.

Fintech business lenders evolving

Square, Intuit, OnDeck, and Kabbage look ahead
ALCO Beat articles featured exclusively on bankingexchange.com are written by the asset-liability management experts at Darling Consulting Group.

The bear is waking up

Should your bank kick it awake? Or hope it naps again?
Community banks enjoy no special safety net to protect them against the growing trend towards digital channels.

Digital is not optional

Community banks must deliver a strong digital. Multi-channel can be a distraction
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