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

HR Sagacity

Capital and Prudential Standards Blog

The Financial Brand

The National Bank Examiner

  • posted on July 21, 2014

  • posted on May 18, 2014

Nick Dunbar

  • The Mismeasure of Finance
    posted on March 3, 2014
    Britain's finance industry is believed to be so vital to our interests that the UK government has apparently ruled out denying the Russians access to it. Being beholden to this sacred cow makes people uneasy, for example Sir Howard Davies, who published a comment article last week where he warned about the damaging impact of unrestricted […]
  • Disruptive Business Models, Uber and Plane Crashes
    posted on January 30, 2014
    Disruptive internet-based business models have upended traditional industries like recorded music, newspapers and retailing. The latest flurry of innovation involves start-ups that take a service traditionally provided by a regulated firm - such as a hotel or taxi company – transforming it into commission-paying transactions between buyers and sellers. Accessed via smartphone apps and 'regulated' […]


  • Welfare economics: housekeeping and links
    posted on July 11, 2014
    A correspondent asks that I give the welfare series a table of contents. So here’s that… Welfare economics: Introduction The perils of Potential Pareto Inequality, production, and technology Welfare theorems, distribution priority, and market clearing Normative is performative, not positive I think I should also note the “prequel” of the series, the post whose comments […]
  • Welfare economics: normative is performative, not positive (part 5 and conclusion of a series)
    posted on July 7, 2014
    This is the fifth (and final) part of a series. See parts 1, 2, 3, and 4. For those who have read along thus, far, I am grateful. We’ve traveled a long road, but in the end we haven’t traveled very far. We have understood, first, the conceit of traditional welfare economics: that with just […]

Tomorrow's Transactions

The D&O Diary

  • Guest Post: Bylaws and Arbitration
    posted on July 22, 2014
    For many years, business groups and corporate representatives have tried to reform shareholder litigation through legislation and case law development, with mixed success. However, in more recent years an interesting new initiative has emerged - the attempt to achieve litigation reform through amendments to corporate bylaws. This effort received a significant boost last year when … Continue Reading
  • On the Frontiers of Corporate Litigation and Liability: Inversion Transactions and a Proposed Duty to Warn
    posted on July 21, 2014
    Among the developments dominating the business headlines in recent weeks have been two unrelated stories - the rising wave of so-called "inversion" transactions in which U.S. companies acquire foreign firms to avoid U.S. tax laws and the revelation of previously undisclosed problems with the ignition switches in certain GM cars that allegedly resulted in numerous … Continue Reading

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

  • 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
  • Protection Racket
    posted on May 19, 2014
    How many times have you read a story in a newspaper or magazine and thought, "The headline is pretty negative, but the story is OK"? We thought (and hoped) that might be the case when we came across this New … Continue reading

Portals and Rails

  • How Much Will Chip-Card Technology Affect ATM Owners?
    posted on July 21, 2014
    Last week, my colleague Doug King wrote a post about the impact of the migration to chip-card technology on financial institutions that issue cards, with a focus on the smaller issuers. What happens with ATMs is an aspect of the...
  • EMV Train is Gathering Steam: Procrastinators Take Warning
    posted on July 14, 2014
    With each passing day it becomes more apparent that the United States' EMV train--the one carrying the chip-embedded credit and debit cards--has left the station and is gaining steam for the ride towards the October 2015 POS liability shift timetable....

Bank Lawyer's Blog

  • Alleged "Overcharger" Settles
    posted on July 20, 2014
    Almost one year ago, we discussed an investigation by the Colorado Attorney General into the alleged inflation by foreclosure attorneys of certain foreclosure costs, and, subsequently, allegations of more widespread falsification of fees and costs by attorneys handling foreclosures in...
  • CFPB Proposes To Establish "Gossip Column"
    posted on July 16, 2014
    As part of its ongoing effort to destroy the private business of banking in a free market economy and substitute a federal government-directed banking system better serve the consumers it was created to protect, the CFPB has recently proposed to...

The Bankwatch

  • As American fans chanted "U-S-A! U-S-A! U-S-A!" the Germans countered with, "N-S-A! N-S-A! N-S-A!"
    posted on July 19, 2014
    While football (soccer to North America) fans may not, as a group apparently represent the intellectual elite,they do reflect the practical & political reality. On June 26th, 2014 when USA and Germany played each other in the World Cup, the brilliantly social reflective fans got straight to the true core of international relations. World Cup […]
  • Apple and IBM enter enterprise market together
    posted on July 15, 2014
    This seems like a seminal moment for Enterprise devices that to date were officially owned by Blackberry. Apple and IBM Forge Global Partnership to Transform Enterprise MobilityFiled under: Uncategorized

Celent Banking Blog

  • We're back...a brief expanation of our absence
    posted on July 22, 2014
    You may have noticed that our blog has been rather...inactive...over the last several weeks. We were hit by a virus and it (of course) took longer than we thought to get back up and running. The complexities involved in fixing what would seem to be a relatively innocuous problem serve as a not-so-gentle reminder of […]
  • First Impressions: SunTrust Branch Redesign
    posted on July 21, 2014
    Branch transformation is no longer optional for retail financial institutions. But, the task is enormous and is best undertaken carefully and cautiously. This appears to be exactly how SunTrust is undertaking the task. I had the opportunity to visit a newly redesigned branch in downtown Atlanta adjacent to the bank's corporate headquarters building. The branch […]


  • In Tribute to Dan Markel
    posted on July 20, 2014
    On behalf of everyone at Credit Slips, I want to express our profound sadness at hearing of the tragic and untimely passing of Professor Dan Markel. a professor of law at Florida State University and a prominent criminal law theorist....
  • A Bubble in Deceptive, Abusive Subprime Auto Lending?
    posted on July 20, 2014
    In a long story in today's edition, the New York Times is reporting a bubble in often deceptive and abusive subprime auto lending on unaffordable terms, including very high rates of interest. Although not quite the threat to the overall...

CU Soapbox

  • 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...
  • There Are No "Quiet Exits" in the Payment Game
    posted on June 17, 2014
    by Ron Daly By now, you've likely heard the news that the Approved Card, the prepaid financial product promoted by none other than Suze Orman, is shutting down. You probably remember a few years ago when much ruckus was raised...


  • Meet Brock Thorpe
    posted on July 18, 2014
    Brock's got a lot on his plate, and, well, his patience for vendors is waning.
  • Commercial Lending: Tune-Up or Junkyard?
    posted on July 7, 2014
    The GonzoBanker Commercial Lending Self-Assessment Checklist will help bankers identify the evolutionary status of their commercial lending production engines and determine whether this year's budget should factor in a tune-up, an overhaul or a completely new machine.

Inside the Underbanked

  • Respek for Babak Armajani
    posted on June 3, 2014
    There are, no doubt, many influences that play out on anyone's career.  No different for me.  One of my most important ones was Babak Armajani.  He died a year ago, today. Babak had nothing to do with financial services for the emerging middle class, economic development, or financial inclusion.  To make things worse, perhaps, he was […]
  • Next PayDay: Govern Google
    posted on May 14, 2014
    I began to explore new solutions for payday lending in this op-ed in the American Banker. The response (at least based on my Twitter feed) has been outspoken, with many perspectives for and against. I thought I'd use the opportunity to go into further depth on my blog. Google Self-Governance on Ad Words for Payday Lenders In […]

Javelin Strategy & Research

  • CrIsis
    posted on July 1, 2014
    In three years there will be a movie released, starring Jonah Hill. It's about an ambitious and successful PR executive for an exciting new electronic payment system called "Ares" that's set to revolutionize the way that people buy things with their phones. The name choice for the brand is made by a small and forceful Read the rest of this entry »
  • Is Amazon "Fish and Cushion"...
    posted on June 21, 2014
    I had the pleasure of speaking at NextBankUSA in Boston the other week on the Future of Payments, as I see them. It was a fun event, and provided some latitude to go off topic a little, including one of my favorite British comedy skits on Chip and PIN. Okay, I found it much funnier than Read the rest of this entry »

Liberty Street Economics


  • Create Subscription-Based Banking Services for Frequent Travelers
    posted on July 22, 2014
    Having just returned from an all-too-short vacation, I continue to believe that banks are missing a lucrative opportunity to help customers reduce their financial anxiety while away from home. Following is are the financial travel services I'd love to...
  • FinDEVr is Building Momentum -- Will you be part of it?
    posted on July 13, 2014
    In late May, we were very excited announce the launch of our new event series called FinDEVr which is focused on the latest tools, APIs, and platforms for fintech builders -- i.e. developers, VPs of engineering, software architects and CTOs...

Zoot Blog

  • Successful Digital Banking Comes From a Mobile First Strategy
    posted on July 22, 2014

    There are new mobile capabilities announced daily for many industries and banking is no exception. While the adoption of mobile banking is still a slow movement, with companies like Snapchat filing trademarks to offer mobile payments services financial institutions must be prepared to meet consumer demand for this channel. What many are discovering is that … Continue reading →

  • Instant Prescreen Demand is Driving New Capabilities
    posted on July 17, 2014

    Instant prescreen has been around for more than two decades. This highly effective approach to customer acquisition and cross-sell has new innovations that further enhance its value to financial institutions (FIs). Alternative data is being incorporated into prescreen decisioning processes and now there are nine FCRA compliant data sources that can be used to provide … Continue reading →

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