The Banker's Blog Watch

Track industry talk and discussion via headline feeds from industry blogs selected by American Banker editors.
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Today's Featured Post:

Felix Salmon

Why clearXchange Is Great for Payments
ClearXchange is a clear competitor to the likes of PayPal and Popmoney, but it’s not an existential threat to those companies. Instead, the reason I like it is just that it brings peer-to-peer payments where they belong, to the level of the bank account. And it’s likely to set a new benchmark of $0.00 for the cost that consumers pay for such payments.

Thoughts on the Future of Finance

  • The "Unbundling of Trust": how to identify good cryptocurrency opportunities?
    posted on November 14, 2014
    Decentralization and centralization are two ends of a continuum. Look for opportunities to disaggregate "bundles of trust" to identify good opportunities in the cryptocurrency space There are so many potential uses for cryptocurrency technology. But how do you know if any of them are good ideas? Blockchain-mediated financial exchange? I have a good feeling about […]
  • A simple explanation of Bitcoin "Sidechains"
    posted on October 26, 2014
    Could sidechains be the enabler of "semi-decentralised" Bitcoin products and services? An important paper was published this week: If you’ve followed Bitcoin for any time, you’ll know this is a seriously eminent group of authors It describes a way to build "pegged sidechains". Sidechains themselves are not new - the idea, and how to build them, has been […]

HR Sagacity

Capital and Prudential Standards Blog

The Financial Brand

The National Bank Examiner

  • posted on November 18, 2014

  • posted on October 27, 2014

Nick Dunbar

  • RBS, leverage cycles and the pound of flesh
    posted on November 26, 2014

    I've been reading Atif Mian and Amir Sufi's book 'House of Debt' (my review will be up soon) and one thing I'm grateful to them for is reminding me of the work of John Geanakoplos. I've been aware of his work for some time, particularly the collaboration with the Santa Fe Institute's Doyne … Continued

  • Regulating financial innovation
    posted on November 17, 2014

    Imagine in 2004, when Goldman Sachs and Deutsche Bank structured the first fully synthetic ABS CDOs, there had been a public consultation on the social value of the products. Or if a consultation had taken place when UK banks began selling interest rate swaps to small British companies, with the banks being forced to explain … Continued


  • Some thoughts on QE
    posted on November 2, 2014
    “Quantitative Easing” — economics jargon for central banks issuing a fixed quantity of base money to buy some stuff — has been much in the news this week. On Wednesday, US Federal Reserve completed a gradual “taper” of its program to exchange new base money for US government and agency debt. Two days later, the […]
  • Rational regret
    posted on October 28, 2014
    Suppose that you have a career choice to make: There is a “safe bet” available to you, which will yield a discounted lifetime income of $1,000,000. Alternatively, there is a risky bet, which will yield a discounted lifetime income of $100,000,000 with 10% probability, or a $200,000 lifetime income with 90% probability. The expected value […]

Tomorrow's Transactions

The D&O Diary

Bank Talk

Deus Ex Macchiato

  • Three quotes and an apology
    posted on May 2, 2014
    The resumption didn’t happen: sorry. I just didn’t feel like writing. Even the Michael Lewis/HFT thing couldn’t rouse me from my stupor, mostly because it is so obvious what you need to do to fix these issues*. There is a three day weekend ahead. I don’t anticipate writing much any time soon, but let me […]
  • Sorry folks
    posted on March 26, 2014
    I’m horrendously busy, and unlikely to be blogging for some weeks. Normal service might be resumed by mid-April, but more likely there will be fewer but hopefully longer posts. Happy Easter

ISDA Media Comment

  • Resolution Protocol: Staying Power?
    posted on November 17, 2014
    The launch of ISDA's Resolution Stay Protocol*, which opened for adherence last week, has inspired a variety of comments in the press. Among them are articles reporting on concerns expressed by some buy-side firms - an important element of our … Continue reading
  • Fireworks!
    posted on July 3, 2014
    Around the world, fireworks traditionally mark special holidays and events, and people in the US will see their fair share this weekend as the nation celebrates the 4th of July. The New York Times must also be in a celebratory … Continue reading

Portals and Rails

  • What's Unsettled in Faster Payments?
    posted on November 24, 2014
    When I started at the Federal Reserve Bank 27 years ago, the phrase "faster payments" was rarely spoken. Indeed, if people talking of payments were musing on speed (or the lack thereof), two things were a safe bet: first, the...
  • Consumer Prepaid Protections May Be Catching Up with Prepaid Use
    posted on November 17, 2014
    On November 13, the Consumer Financial Protection Bureau (CFPB) issued its much-anticipated notice of proposed rulemaking of consumer protections for the prepaid market. This proposed rule covers multiple facets related to the prepaid industry, including disclosure requirements, fraud protection, access...

Bank Lawyer's Blog

  • Isaac: Time To Allow Small and Medium Bank M&A
    posted on November 25, 2014
    Former FDIC Chairman William Isaac claims that it's long past time to cut small and medium size banks regulatory relief and to take away roadblocks to mergers and acquisitions for the same institutions. He and Professor Robert Kaplan also briefly...
  • State Nullification: Inhale Deeply
    posted on November 23, 2014
    When we asked a couple of months ago whether the Cannabis Co-operative Credit Unions that have been authorized by Colorado law were "dead on arrival," we thought that the answer was "yes." Yet, there appears to be a beating heart...

The Bankwatch

  • Echo chamber classic
    posted on November 21, 2014
    This is probably a screw up but its funny given the tenure of those involved. First Scoble has this post and mentions Openstack. That link was interesting so I clicked and got this link. I arrived at the Gigaom site and clicked the lead story. (This experience might change as they add stories, but this […]
  • Payments - whats going on?
    posted on November 11, 2014
    The world of payments is going crazy. Payments is supposed to be about SWIFT and land in SIBOS annually. Darn. The usual suspects at SIBOS Boston in October past must be suffering from brain exploding thoughts about Singapore next year. But seriously payments ain’t what they used to be. Apple Pay certainly drove payments front […]

Celent Banking Blog

  • Can't Wait for the US to Migrate to EMV: The Musings of A Visitor
    posted on November 26, 2014
    Usually, during the Autumn season, I make a few trips to the United States for conferences and client visits. This year was no exception and I have recently come back from two trips to Las Vegas and San Antonio. EMV migration in the US was high on the agenda during both visits and I came […]
  • GPS, Musicians, Analytics and Banking Culture
    posted on November 20, 2014
    Three things came across my Twitter feed the same afternoon. Consider the following and see if you think they are related: "When we depend too much on our GPS, we lose the will and skill to explore." Tom Peters via Twitter, 20 November 2014 "A creative person is by definition inefficient. She/he is wandering along […]


  • Jean Braucher, In Memoriam
    posted on November 26, 2014
    It is with great sadness that I pass along the news that Jean Braucher passed away yesterday. Jean was my co-author, my co-blogger, and my friend. This news came suddenly this morning for all but her closest family and friends...
  • Some Bibles Are More Exemptable Than Others
    posted on November 21, 2014
    I wonder how many Bankruptcy professors have posed a hypothetical about the exemption of a rare Bible worth lots of money? Well, a federal District Court in Illinois had to answer the question for real. The Illinois personal property exemption...

CU Soapbox

  • The Hot Swappable Life
    posted on August 13, 2014
    by Ron Daly A business associate was telling me a crazy story just the other day. He was holding out his credit card to pay for lunch and I noticed it was a shiny, newly-issued card. "Just get that card?"...
  • I don't know where you are...but I know where you AREN'T.
    posted on July 16, 2014
    by Ron Daly I don't have spy satellites. I don't have access to your GPS. I'm not the NSA, nor am I Google, nor am I any other intelligence gathering agency, public or private. I don't know where you are...but...


  • Accessibility at louis vuitton uk only autzen stadium
    posted on November 27, 2014
    Accessibility at louis vuitton uk only autzen stadium Bac deb to hub menubusiness news homefront porchit only moneyoregon the economyplaybooks profitssilicon forestwindow shopstock market reportbusiness gang blogback to metropolis menuvideos from the oregonianvideos from your hard earned cash beaver a new leadervideos from the hillsboro argusvideos from well-Known fore street grove leaderyour videosback to last […]
  • Accessories louis vuitton bags while well wear precisely shovel e snow
    posted on November 27, 2014
    Accessories louis vuitton bags while well wear precisely shovel e snow Writing about anything other than the record breaking s straight away that has arrived over dmv would be insensitive.Human history wants to unearth about beautiful jewelry wh take people a lmost all over the area are strapping on boots to shovel the 2 or […]

Inside the Underbanked

  • Disrupting Auto Finance
    posted on October 30, 2014
    Last year, I woke up to the sleeping giant of auto finance. Over the last decade, we've witnessed an explosion of startups building software that dramatically cuts inefficiencies in the exchange of information, goods, and services - disrupting industry incumbents in the process. In the last year, Silicon Valley is finally turning its attention to […]
  • My Comments on Underbanked Opportunity on Bloomberg TV
    posted on October 2, 2014
    Bill Gates gave a speech at Sibos today, and for some unexpected reason Bloomberg TV reached out to me to comment on why the unbanked are important.  It turned into a cool 7 minute segment on Core, how our portfolio companies are improving people's lives and how Visionaries, like Amex, are avoiding the traditional missionary and […]

Javelin Strategy & Research

  • ApplePay is Like Listening to Barry White with the Lights Down Low. It's Quite an Experience
    posted on October 31, 2014
    This is my first inaugural blog here at Javelin and I will be talking about the intersection of experience design and payments. "The payment experience"--it is, if you think about it, distinctively human. Bartering, trading, transacting--all arrangements establishing a platform for a payment experience. Whether intentional or not, we have been designing this experience since, […]
  • The Inevitable ApplePay Blog
    posted on October 21, 2014
    So, the payments unicorn has finally made its way out into the world, with more conjecture and hyperbole than, well, the last time Apple did something. Much has been written thus far about ApplePay and it's going to be hard to write anything truly fresh at this point, but I will try. While the mainstream […]

Liberty Street Economics


Zoot Blog

  • It isn't about innovating for banks, it's about being in the game
    posted on November 26, 2014

    Innovation. It is one of the most overused words in the English language. How many times have you been to a financial industry conference and heard that banks need to be more innovative? The typical bank response is that it is too difficult because of compliance requirements, legacy technology or budget constraints or we're just … Continue reading →

  • An In-Depth Discussion of Trusted Online Identities
    posted on November 21, 2014

    Empowering consumers to have trust and confidence in online interactions is an emerging challenge. They want the convenience this channel offers and an easy, secure manner to prove their real identity. How can this be accomplished? James Varga, CEO, miiCard, shares his expertise in the realm of secure online identities and what miiCard is doing … Continue reading →

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