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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

The National Bank Examiner

  • posted on July 9, 2016

  • posted on March 11, 2016

Nick Dunbar


  • 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

  • Credit Unions and Community Banks Both Face "Shrinkage"
    posted on July 24, 2016
    In his recent email newsletter (email marvin.umholtz@comcast.net for a subscription), credit union consultant Marvin Umholtz discusses the fact that credit unions face the same problem of "shrinkage" that we have discussed on this blog for some time with respect to...
  • The Marijuana Minefiled Continues To Claim Banks
    posted on July 17, 2016
    No matter how many times commentators like this curmudgeon warn banks that decide to dip their toes in the toxic waters of banking marijuana businesses, some banks not only don't "get it," they don't get it that they don't get...

The Bankwatch

  • Bank customers move from online banking to mobile apps
    posted on July 25, 2016
    The ongoing demise of online banking and its replacement by mobile banking continues. These statistics overshadow the almost 50% reduction trend in branch based transactions in UK that is expected to continue significantly to 2021. They also note this is not a reflection of bank disaffection; rather it is a shift in how customers interact […]
  • Apple Pay accepted wherever Interac Flash is accepted, despite Apple's own messaging
    posted on July 12, 2016
    I am glad it is not just me that was confused about Apple Pay in Canada and where it is accepted. Remind me not to read marketing messages and lemming blog posts again. Even the Apple page is confusing with their "Coming Soon" section, which I now assume must be referring to online Apple Pay […]

Celent Banking Blog

  • Against the Odds: Improving Euro Area Commercial Lending Indicators
    posted on July 26, 2016
    Over the past several months the European Union has weathered a number of challenges – Brexit, political turmoil, the migrant crisis, and sluggish GDP growth among them. But surprisingly, the latest European Central Bank (ECB) data doesn’t reflect any negative shocks on credit supply and demand. The latest Euro Area Bank Lending Survey found that […]
  • The Future of Zapp and Other Musings on MasterCard and VocaLink
    posted on July 22, 2016
    Yesterday, my colleague Gareth shared on these pages his first thoughts after the announcement that MasterCard is buying VocaLink. I agree with his points, but also wanted to add some of my own observations. As someone who closely follows the developments in digital payments, one of the questions following the acquisition to me is what happens with Zapp, a […]


  • Payday Lending Regulation: The Substitution Effect?
    posted on July 26, 2016
    A common argument made against regulating small dollar credit products like payday loans is that regulation does nothing to address demand for credit, so consumers will simply substitute their consumption from payday loans to other products: overdraft, title loans, refund...
  • The Big 1-0
    posted on July 18, 2016
    Today is the tenth anniversary of the launch of Credit Slips. We started the blog in the middle of a big research project as an exercise in team building We also thought the blog might be a place where we...

CU Soapbox


  • Top 4 Performance Stats That Will Blow Your Mind
    posted on August 31, 2015
    Here are four process benchmarks that will blow your mind.
  • Don't Be a Cold Fish
    posted on August 19, 2015
    Warm Pulse and Cold Fish banks are duking it out largely on sales productivity. Performance driven by organic growth is what differentiates one from the other.

Inside the Underbanked

  • Carving up the Gecko
    posted on June 1, 2015
    At Core we’ve been getting more and more excited about insurance – not too worry, we’re not becoming actuaries anytime soon†– and the†potential for start-ups to disrupt that incredibly boring, but entirely gigantic†whole industry. I owe a special gratitude to Thomas Smyth - who dropped into Core on a lark…
  • Show me the Money
    posted on April 23, 2015
    Everyone in the financial services industry is very excited about the digitization of money. †How exciting it would be to forego cash (and those annoying checks), in favor of a more efficient world of commerce and assets. †At the hand of Bitcoin, the argument goes, or Apple Pay, or what-not…

Javelin Strategy & Research

Liberty Street Economics


  • FinovateFall Sneak Peek: AutoGravity
    posted on July 26, 2016

    A look at the companies demoing live to 1,500+ fintech professionals on September†8 & 9. Register today. AutoGravity harnesses the power of the smartphone to give you direct control over how you finance your next car, empowering you with multiple financing offers in the palm of your hand. Features: Empowers car shoppers with multiple personalized Read more...

    The post FinovateFall Sneak Peek: AutoGravity appeared first on Finovate.

  • FinovateFall Sneak Peek: Trulioo
    posted on July 26, 2016

    A look at the companies demoing live to 1,500+ fintech professionals on September†8 & 9. Register today. Trulioo’s unique approach to identity verification leverages traditional and alternative data to verify customers around the globe, helping clients meet AML/KYC requirements and reduce risk and fraud. Features: 4 billion people, 50+ countries, 200+ data sources, 1 API Read more...

    The post FinovateFall Sneak Peek: Trulioo appeared first on Finovate.

Zoot Blog

  • Costco, Citi Visa transition pains continue
    posted on July 6, 2016

    Last week I wrote about the painful transition Costco customers are experiencing as the retailer’s relationship with American Express ends and a new co-brand partnership with Citi begins. The post included some missed opportunities in providing a better customer experience. As it turns out, more pain … Continue reading →

  • Missed Opportunities in the Costco Transition to Visa Cards
    posted on June 30, 2016

    It was big news last week as the Costco/American Express partnership came to an official close. It's an even bigger headache for Costco customers who have not received their replacement cards from Citigroup--a customer service misstep that could be bad for business on both sides.

    Transitioning … Continue reading →

'Capital Doesn't Matter. Confidence Is What Matters'
Christopher Whalen, senior managing director and head of research at Kroll Bond Rating Agency, discusses the sorry state of European banks, the missteps by European Union regulators and the potential ramifications for financial institutions in the U.S.