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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

  • Introducing R3 Corda(TM): A Distributed Ledger Designed for Financial Services
    posted on April 5, 2016
    As reported in Bloomberg this morning, I'm delighted to confirm that R3 and our member banks are working on a distributed ledger platform for financial services: Corda(TM). I explain it on our official R3 blog and reproduce it here. For the last six months, my team and contributors from our membership have been building a […]
  • It's New Year... Time to change the world
    posted on January 4, 2016
    We’re hiring! Are you a talented developer? … who has experience of banking technology and a passion for blockchain technology? Can you tell your nostro from your vostro? … and do you have an intuitive understanding of why it's quite so hard to change anything in a bank?! Do you understand why Bitcoin works the […]

HR Sagacity

Capital and Prudential Standards Blog

The Financial Brand

  • Do Millennials
    posted on June 22, 2016
    Creating brand experiences with -- not for -- Millennials is the first step in creating relationships that align with their life goals and expectations.
  • Banking on a Powerful Brand Experience
    posted on June 21, 2016
    Banking brands must reposition their brands to be at the forefront of the new digital financial experience.

The National Bank Examiner

  • posted on March 11, 2016

  • posted on January 25, 2016

Nick Dunbar

  • The Brusilov Offensive and the European Union
    posted on June 16, 2016

    A hundred years ago last week began the bloodiest offensive of the First World War, with 2.6 million casualties – almost as much as the Somme and Verdun combined. Yet no one talks about this centenary. To understand why, imagine Vladimir Putin, Angela Merkel and a dozen former Austro-Hungarian countries laying a wreath in western … Continued

  • The End of Alchemy: Money, Banking and the Future of the Global Economy
    posted on May 31, 2016

    By Mervyn King

    (Little, Brown 2016)

    It’s hard being Governor of the Bank of England. You get given the top economics job in the UK, inhabiting a fortress in the City with mulberry-jacketed doormen. You set the price of money for 60 million people, forecasting hopes and fears for their collective wealth, controlling the supply … Continued


  • Attributions of causality
    posted on June 24, 2016
    Like a lot of people, I think, I’m a bit dazed by the fact that apparently, really, the British public has voted to leave the EU. I’d prefer we lived in a world that was coming together rather than fraying apart. Other than that I’ll refrain from comment and just wish everybody the best. I […]
  • A parliament without a parliamentarian
    posted on June 19, 2016
    I mean to write a bit about the “DAO hack“, which provides a fascinating true-crime introduction to the fascinating (virtual) world of blockchains and cryptocurrency if you don’t already follow this stuff. But before saying what I think about that DAO-stardly DAO-eed, I think it might be useful to explain what I think “blockchains” are, […]

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

  • Margin Settlement Blues
    posted on June 23, 2016
    Our days at ISDA start pretty much the same as everywhere else: get into work, sip on a double macchiato, and get up to speed with the day's events. Given the avalanche of emails and news alerts, the challenge is … Continue reading
  • Novo Banco: An Exceptional Story
    posted on February 19, 2016
    Everybody loves a good credit derivatives story. And market participants and the media have had a very good one in recent weeks. It concerns CDS contracts written on Novo Banco, a Portuguese bank. The Novo Banco story begins with Banco … Continue reading

Portals and Rails

Bank Lawyer's Blog

  • Countrywide: Closed For Good
    posted on June 19, 2016
    Maybe it's the fact that in another six months or so, the regime change here in the Land of the Free will lead many of the the current crop of enforcers in D.C. out the revolving door and into the...
  • Defrauding Yourself: A New Frontier Of Legal Theory Temporarily Closed
    posted on June 5, 2016
    As we discussed a few years ago, the current administration's Department of Justice has been a huge fan of FIRREA, using its civil money penalties potential to squeeze blood out of bank turnips on the theory that a bank committed...

The Bankwatch

  • ChatUI and NLP as next generation interfaces
    posted on June 13, 2016
    It seems to be that time again where we are on the cusp of a shift in internet behaviours and platforms. I have been noting themes in my reading over the past few months, and two recent pieces in particular solidified them for me. Mary Meeker report, State of the Internet that I referred to […]
  • Mary Meeker annual State of the Internet
    posted on June 7, 2016
    The Mary Meeker annual report is always fascinating and full of facts for the wonks amongst us. This particular slide pasted below from the 2016 report is one of the better I have seen at quickly summarizing the large generations and their value differences; in particular the financial view of the world which is very […]

Celent Banking Blog

  • External Forces Affecting Global Transaction Flows: Is the Payments World Becoming Flatter?
    posted on June 23, 2016
    In his 2005 book titled The World Is Flat: A Brief History of the Twenty-First Century, New York Times reporter and author Thomas Friedman famously wrote about the impact of technology on globalization, the result of which is a truly global economy with unprecedented flows of investments, goods, and ideas. This trend has continued, despite […]
  • EBAday 2016: A Brave New World for Payments
    posted on June 15, 2016
    Hosted by the European Banking Association and Finextra, EBAday attracts payments professionals from leading financial institutions and technology providers. This year’s event was held in Milan Italy with the theme, “A Brave New World for Payments.” Sessions focused on the dilemma facing the payments industry – enhancing existing payment models while preparing for alternative payments […]


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...


  • Trouble in the Great White North, Eh?
    posted on June 22, 2016
    For D+H, all signs are pointing to big trouble when it comes to its core systems PhoenixEFE and UltraData.
  • How I Hacked Gonzopalooza
    posted on May 27, 2016
    As Cornerstone's resident cyber-geek, I decided to give my colleagues a first-hand lesson on white-hat hacking at the company's recent Gonzopalooza event.

Inside the Underbanked

Javelin Strategy & Research

Liberty Street Economics


Zoot Blog

  • Taking on Fraud: Part Two
    posted on June 21, 2016

    In the first part of our series, we uncovered a multitude of statistics regarding the very real fraud threats that financial institutions, consumers, and merchants face on a daily basis. For part two, we spoke with several fraud experts to gain their perspectives on the most … Continue reading →

  • Changes to the Military Lending Act: What your institution needs to know
    posted on June 8, 2016

    In July 2015, the Department of Defense (DoD) passed major changes to the Military Lending Act (MLA) with target compliance dates of October 3, 2016 and October 3, 2017. The 2017 date applies only to credit cards.

    The MLA's overall goal is to prevent predatory lending … Continue reading →

'If Your Bank Isn't Integrated with Siri, Your Bank Is Irrelevant'
Moven founder and all-around fintech evangelist Brett King discusses how financial institutions can survive a future where artificial intelligence is widespread and plastic cards are no more.