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Tokenization

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.”

Despite tech investment, CX lags

Customer experience expectations soar faster than banks can keep up
It's a mistake to think social media is a one-way conversation especially for a corporation or brand, warns Jeremy Balkin, innovation chief at a large bank.

How #hashtags transformed customer experience

Is your bank socially adept?
Among the gaps Pablo Sanchez and his team filled in at HSBC was credit card offerings. A metal card—the HSBC Premier World Elite Mastercard—was just introduced for a key segment: people who travel regularly, particularly to and from the Far East and Europe to the U.S. East and West Coasts.

HSBC’s retail transformation hits stride

Two years in, venerable bank embraces digital, but feels banks are not endangered
Happy customers are important, but there are more emotional facets to providing a superior customer experience as either a direct bank or a traditional bank, according to new research from Forrester.

Must retail banks kick service up a notch?

USAA and Navy Federal lead categories, but Forrester suggests most must do more
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.

Branches keep disappearing

Banks, thrifts close over 150 locations in September
Disruptors versus the human connection

Disruptors versus the human connection

Citigold blends tech and human element to provide wealth management
Artificial intelligence can adapt to many financial services purposes. The key is for each bank to pick the right ones for its business model and client base.

Applying human intelligence to AI

It’s not just the technology, but what you do with it
Revamping retail banking involves not only the digital face of the bank, but the still-significant physical presence that much of the industry still maintains. What that presence does, and what it looks like, has been evolving for some time, speakers at a recent Finastra conference said.

Branch transformation—15 years and counting

WSFS and Bank Midwest say it’s ongoing process. Is “journey mapping” in your future?
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.

Stacking cash, closing offices

Banks continue to amass funding, but branch exodus continues
Consumers want the Amazon experience now

Consumers want the Amazon experience now

Not-so-newcomers have raised the bar for banks
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Thursday, October 8, 2026 1:00 pm – 2:00 pm ET

What community and regional banks need to understand about tokenized deposits, stablecoins, and the regulatory framework taking shape right now.

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Dana Weinstein
Dana Weinstein,
Head of Product at Tesser

Dana Weinstein is Head of Product at Tesser, bringing eight years of experience building payments products across US domestic and cross-border rails.

She launched Visa Direct Payouts, architecting a payout capability that now reaches 11 billion endpoints across cards, accounts, and digital wallets...