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As manufacturers increasingly equip automobiles with Internet access, bankers and technologists are envisioning a day when cars could be used to make payments, inform risk underwriting and deliver targeted offers.

Features

The Internet of Things, blockchains and smart (not "big") data could help financial institutions fend off disruption in lending, payments and money management, according to the Spanish bank's fintech mavens.
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Fintech startups continue to captivate venture capital firms and angel investors, giving a boost to a program in which the operators of startups get advice from mentors and make presentations to hundreds of bankers at an annual event in New York.
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Applying early for the web extension increases the odds of getting a preferred address in a business where "First National" is as common as "John Smith." Eventually, bankers hope .bank gains widespread recognition as a mark of trustworthiness.

Early developers of watch-banking apps have found there are unique complications to designing services for such tiny screens.

A growing number of startups and banks are trying to design digital experiences that train users to manage their money more responsibly, starting with small amounts in mundane situations.
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Regions Financial and U.S. Bancorp are among the institutions that are using independent filmmakers to produce high-quality videos for YouTube and other channels. Industry experts warn, however, that success is far from assured in an already crowded social media world.
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Bankers are banding together to combat cybercrime and Chris Feeney, new head of the Financial Services Roundtable's technology arm, wants to play a central role in keeping it a team effort.

Fannie Mae will no longer charge mortgage lenders to submit loans to its Desktop Underwriter automated underwriting system, a decision that follows a similar move by Freddie Mac earlier this month.

Silicon Valley firms like Apple and Lending Club are happy to partner with banks — so long as they get to be the face of customer interactions. But banks may not easily give up that ground.

While regulators worldwide have urged banks not to "derisk" by cutting off entire industries or geographies, it is rare for policymakers to specifically cite this controversial sector as wrongly underserved.
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Disruptors
As financial technology transforms the banking industry, experts are placing bets on the banks and startups most likely to thrive in the digital future. Here are seven top contenders, according to insiders from both sides of the divide at last week's Next Bank USA conference in New York.  read more »
8 Things Apple Pay Left Out

Apple's long-anticipated move into mobile payments seemed to cover all the bases -- Apple Pay will launch with the support of major banks, card networks and retailers. But there were several things that didn't make it into the first version of its mobile wallet.

(Image: Bloomberg News)