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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.”

Payments tech goes berserk

Prepaid cards; P2P; mobile wallets; social media; voice-activated buying; virtual reality—can anybody spare a dime?
Imagine the smart device as one of several funnels that the bank pours its key elements into and you begin to get where PwC's suggested strategy begins.

Can “wrap and digitize” take you into digital age?

No simple feat, creating a digital bank around a traditional core may be path for most
Many times what's called a "partnership" is really a vendor relationship.

Partner or vendor? Why it matters in fintech world

Each relationship carries implications that drive operations, and are driven by strategy
With a nod to pop music, veteran John Byrne’s blog scans the anti-laundering and anti-terrorism world. John pierces silliness and inconsistency, and strongly believes in private-public partnership.

“Imagine”*

… if we could actually address an issue without bringing our baggage
The Unbanking Of America: How The New Middle Class Survives. By Lisa Servon. Houghton Mifflin Harcourt, 178pp.

Living in Pottersville

Book Review: Industry critique asks good questions, gives simplistic answers
The post-recession tide did not lift all boats to the same degree, according to research by Moebs Services.

Banking’s great loan gap

Only efficient lenders have left the recession behind
ALCO Beat articles featured exclusively on bankingexchange.com are written by the asset-liability management experts at Darling Consulting Group.

Rising rates are here again! Ready?

This time around will be different. Success goes to the prepared
Overdraft fee policy can follow two different strategies, according to Mike Moebs, "The Prairie Economist." Financial institutions have a choice of polar opposites—but he says they must do something.

Overdraft service demands a decision

Your pricing may be off. Here are thoughts on how to adjust it
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.

Miami still hot spot for M&A

Deal-hungry find fun in the sun
“A huge lesson for banks is to throw out technology regularly and continuously rebuild,” says Alexei Miller of DataArt.

Moderation in “fast-failure” times?

There’s room for improvement, but bank IT isn’t quite jurassic either
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