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If you’re API and you know it, block aggregators

Chris Skinner

I bumped into a real API marketplace the other day.

Four digital banking trends to watch in 2020

Mobile Payments Today

In 2020 and beyond, it will critical for banks and credit unions to reevaluate their digital strategies

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LendingClub breaks ground with Radius Bank acquisition 

Bank Innovation

LendingClub, the publicly traded digital-lending marketplace, announced Tuesday that it is acquiring Boston-based Radius Bank, which has $1.4 billion in assets and is partnered with several fintech companies.

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Mastercard: Collaboration Is Key To Scaling Real-Time Payments


With speed being the most obvious value proposition of real-time payments capabilities, it’s not difficult to imagine that corporate payers would be eager to embrace faster payments functionality in their accounts payable (AP) departments.

Using Floors On Commercial Loans

Banker to Banker

In our last blog, we reviewed ZIRP (zero interest rate policy) strategies deployed by various central banks. We discussed how ZIRP strategies had been deemed by many economists to be ineffective over the long-term to stimulate economic growth and stoke inflation

Things worth reading: 19th February 2020

Chris Skinner

Things we’re reading today include … HSBC to slash investment bank, 35,000 jobs in strategy overhaul What’s gone wrong at HSBC?

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Moody’s: I-Banks spend $72B annually to fend off fintechs

Bank Innovation

Global investment banks are making major digital investments to keep pace with fintechs, Moody’s Investors Service reported in a research note this week.

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Financial Stability Board Calls For Current Crypto Education


Financial Stability Board (FSB) Chair Randal Quarles has warned global financial regulators that they must accelerate the creation of a framework for cryptocurrency and other forms of digital money, Reuters reported on Wednesday (Feb.

The Benefits of Leveraging a CRM to Be More Community-Focused


Key Takeaways To better serve their community, as well as stay competitive in this fast-moving environment, savvy CFIs are carefully blending digital innovations with their hallmark relationship banking practices.

Bank Wars, Episode XX: The Rise of FinTech

Chris Skinner

Over the years, a few people have likened me to the Yoda of banking. Yoda is one of the most likable characters in the Star Wars franchise, but I’m not sure if I like the comparison. Yoda is seriously old, speaks in riddles and is tiny and wrinkled.

Banks embrace cash recycling, ITMs to enhance branch ops

Mobile Payments Today

Cash recycling and interactive teller machines are allowing banks and credit unions to create significant efficiencies at the branch level, with reduced staffing costs, increased productivity and reduced cash exposure, according to experts speaking at a panel on branch transformation at ATMIA's annual U.S. conference in Houston.

Banking startup Level enters the high-yield savings race

Bank Innovation

Level, a digital banking startup based in San Francisco Calif., is trying to hook customers with a 2.1% savings account annual percentage yield.

If Elected, Bloomberg To Divest Media Company


Democratic presidential candidate Mike Bloomberg plans to sell his multibillion-dollar financial data and media company Bloomberg L.P. if he wins the presidency, The Wall Street Journal (WSJ) reported on Tuesday (Feb.

Three steps to implementing digital process automation in your bank


Guest bloggers Richard Gillespie-Brown, Helen Bayliss and Nicholas Kitson explain how a bank’s centre of excellence can unlock customer and colleague value by overcoming hurdles to automating digital processes.

Banking is what we do and technology is how we do it

Chris Skinner

A decade ago, we talked about the financial crisis, technology, regulations and compliance.

TD Bank addresses the evolution of POS

Mobile Payments Today

Mike Rittler, general manager of retail card services and personal lending at TD Bank, shares his insight on trends, transformative innovation and how the 'traditional check out' experience is on its way out

WorldRemit links with Alipay on one-tap global payments to China

Bank Innovation

WorldRemit is partnering with Alipay to reduce friction in cross-border payment transactions. The integration allows WorldRemit customers to send money to Chinese recipients by connecting with their Alipay accounts. The service has been available since January.

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POS Financing: There’s A Lending Marketplace For That


In the roughly six decades the card networks have been powering payments at the physical and digital points of sale, it’s hard to imagine that their ubiquity wasn’t always a given. The 1.0

How Australia’s banks can rediscover lost purpose


In their quest for growth, Australia’s financial services (FS) firms spent decades acquiring and merging with a range of businesses to become one-stop shops. The aim?


Things worth reading: 20th February 2020

Chris Skinner

Things we’re reading today include … Don’t use for online banking, Natwest bank tells baffled customer LendingClub stock down after buying a bank The Bank for International Settlements (BIS) appoints FinTech Heads in Singapore and Switzerland.

The State Of Fintech: Investment & Sector Trends To Watch

CB Insights

2019 saw fintech reach an inflection point on a global scale, pulling in $34.5B across 1,913 deals. REPORT HIGHLIGHTS: Q4’19 saw approximately $9.4B invested across 452 deals. Funding saw a boost from mega-rounds ($100M+) including a $1.7B

LendingClub plans to become a bank with $185M Radius buy

Bank Innovation

LendingClub Corp. got its start replacing old-school bankers with machines that match borrowers and investors. Almost 15 years later, it’s planning to become a bank itself.

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FinTech LendingClub Buys Radius Bank For $185M


FinTech LendingClub is purchasing Radius Bancorp for $185 million in cash and stock, according to a report by CNBC. LendingClub provides personal lending online, and it wants access to funding that is more stable and not as expensive. Radius is based in Boston and has in the neighborhood of $1.4

Regulators extend CRA comment period, bowing to congressional pressure

American Banker

In a sudden reversal, the OCC and FDIC said they would push back the deadline to April for groups to weigh in on the proposal to modernize the Community Reinvestment Act. FDIC OCC Maxine Waters CRA Regulatory reform Regulatory relief Joseph Otting


Chris Skinner

Another day, another conference, another meeting. This time we’re chatting and talking with a group of people from banks, and I’m wearing one of my favourite new t-shirts, emblazed with the message: Just hodl it! Before taking stage, someone asked me what hodl meant. I was surprised.

Breaking Down Artificial Intelligence in Financial Service Firms

Perficient Financial Servies

Artificial intelligence (AI) has the ability to revolutionize a multitude of functions at financial services firms.

RBC fuses payments and messaging for business clients 

Bank Innovation

Royal Bank of Canada is using digital money transfer service Interac to help corporate clients follow up with their customers on outstanding debts. The bank announced the feature, “Interac e-Transfer: Bulk Request Money,” last week to help clients collect payments faster.

How Ghost Kitchens Keep Digital Ordering Alive


Speedy delivery wowed hungry consumers in the 2010s, but diners have since adjusted their desires and expectations for the coming decade.

Bloomberg tacks left on financial regulation. Should banks be worried?

American Banker

Years after criticizing the Dodd-Frank Act, the Democratic presidential candidate and former New York City Mayor Michael Bloomberg is now taking a page from the Elizabeth Warren playbook. Volcker Rule Election 2020 Elizabeth Warren Bernie Sanders CFPB Regulatory reform FSOC

The Finanser’s Week: 10th February 2020 – 16th February 2020

Chris Skinner

The main blog headlines are … Banking is what we do and technology is how we do it A decade ago, we talked about the financial crisis, technology, regulations and compliance.

Stripe Teardown: How The $35B Payments Company Plans To Supercharge Online Retail

CB Insights

As businesses and consumers become more comfortable using credit cards online, the proportion of US commerce that takes place online has steadily increased over the last 20 years.