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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

  • A Central Bank "cryptocurrency"? An interesting idea, but maybe not for the reason we think
    posted on March 5, 2015
    The retail use-cases get all the press... but the killer-app for digital central bank money might be smart contracts This post on a concept called "FedCoin" by David Andolfatto of the St Louis Fed raises the really interesting possibility of a world with central-bank-issued digital assets which can be held by a broad range of people. […]
  • A Simple Model for Smart Contracts
    posted on February 10, 2015
    Everybody I ask has a different definition of a "smart contract"; Here's mine. I hear more and more people talking about "smart contracts" these days. But when you push them to define the term, the concept often dissolves in their hands. This isn't a new observation: Peter Todd made a similar point after sitting through […]

HR Sagacity

Capital and Prudential Standards Blog

The Financial Brand

The National Bank Examiner

  • posted on March 18, 2015

  • posted on January 24, 2015

Nick Dunbar

  • Why Goldman nearly failed the stress test
    posted on March 5, 2015

    Last week's Federal Reserve stress test results produced a surprise: under a 'severely adverse' scenario, a key Goldman Sachs capital ratio came within shouting distance of its regulatory minimum. The scenario may be hypothetical but performing worst among the biggest American bank holding companies is more than a slight embarrassment for Goldman. It could put … Continued

  • Protected: Oil price test
    posted on February 20, 2015
    There is no excerpt because this is a protected post.


  • Surge!
    posted on December 30, 2014
    So-called “surge pricing” is not the main thing to worry about with Uber. Investors who value the ethically challenged firm at an astonishing $40B have made a cynical (also ethically challenged) bet that “network effects” will permit the firm to basically own the 21st century successor to the taxi industry. Our main concern should be […]
  • 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 […]

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

  • The Credit Derivatives Mailbag
    posted on February 3, 2015
    Some recent press articles have raised questions about the process for determining whether a credit event has occurred and therefore whether credit derivatives should trigger. Many of the articles have focused on the ISDA Credit Derivatives Determinations Committees (DCs). So, … Continue reading
  • Storm Warnings
    posted on January 27, 2015
    As the eastern US hunkers down in the face of a potential historic snowfall, a storm of a different sort hit the derivatives markets yesterday, courtesy of The Wall Street Journal. The article claims there has been little change in … Continue reading

Portals and Rails

  • Balancing Security and Friction
    posted on March 23, 2015
    Several weeks ago, my colleague, Dave Lott, wrote a post addressing the question "Does More Security Mean More Friction in Payments?" Having had several weeks to ponder this concept while attending multiple payments conferences and participating in similar discussions, I...
  • Squeezing the Fraud Balloon
    posted on March 16, 2015
    A number of our posts over the last year have discussed the U.S. migration to EMV (chip) cards. As we've mentioned, one of the primary motivations for the migration has been the ease with which fraudsters in our magnetic-stripe environment...

Bank Lawyer's Blog

  • De Novo Logjam "Open"?
    posted on March 25, 2015
    No sooner do we post an article about how the dearth of new bank charters appears to be a critical (if not the critical) factor in the phenomenon known as "the incredibly shrinking community banking universe" than out of the...
  • Lawmen Sue To Stop The (Reefer) Madness
    posted on March 23, 2015
    You would think that when all a state wants to do is let weed-lovers light up, their neighbors would just chill and let them have serious conversations, along the lines of the following: The Dude: It's like what Lenin said......

The Bankwatch

  • Sabadell agrees to $2.54 billion takeover of TSB
    posted on March 22, 2015
    Sabadell agrees to $2.54 billion takeover of TSB | Finextra Banco Sabadell is making its first play for a European business outside of its home territory as Lloyds agrees to sell 50% of TSB to the Spanish bank. Filed under: Uncategorized
  • Lee Kwan Yew leaves a powerful legacy
    posted on March 22, 2015
    Lee Kuan Yew has passed away.  The Strait of Malacca defined the trade route of that area from the 18th century until today.  Lee Kwan Yew took a strong appproach to managing Singapore and over three decades turned it into an economic powerhouse. Singapore patriarch Lee Kuan Yew dies  ft.com Foreign investment has flooded into Singapore, much […]

Celent Banking Blog

  • Thoughts from American Banker Retail Banking Conference 2015
    posted on March 16, 2015
    This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. As expected, it was a great way to read the temperature of the banking industry. The conference was well attended, with broad representation from all institution sizes and markets. There were a couple of overarching themes throughout the event. […]
  • So...what do you do all day?
    posted on March 16, 2015
    Stick with me on this - all will become clear! So, I suspect we all have the same conversations at parties when making small talk with people you've just met - "...and what do you do?" There's the standard work answer: "We help banks make the right technology purchases for their business. We start with […]


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...


Inside the Underbanked

  • It's not just the Underbanked who are Underbanked
    posted on February 11, 2015
    We’re all underbanked.  A lion-share of Americans aren’t “making bank.”  Most of us simply don’t earn enough to support a basic standard of living.  Yes, there is a big part of our population that poorly utilizes banks and therefore over-utilizes expensive solutions that leave most of their customers poorer.  The larger reality is that the…
  • 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…

Javelin Strategy & Research

Liberty Street Economics


  • A Big Bank Should Buy Robinhood Now
    posted on March 16, 2015
    Free stock-trading startup Robinhood has been getting a lot of press lately, and it appears to be well deserved. Founded in 2013, the company, has raised $16 million and is likely looking for more. Although many fintech startups have attracted...
  • Don't Miss Out on the FinovateSpring Very Early-Bird Ticket Discount!
    posted on March 4, 2015
    Hot on the heels on our largest FinovateEurope to date, we've begun to focus on our FinovateSpring event scheduled for May 12 & 13 in Silicon Valley. Our team is hard at work sorting through the huge stack of...

Zoot Blog

  • Mobile First: Banking Innovation in the Age of the Smartphone
    posted on March 25, 2015

    During the early design stages of the original iPhone, Apple had narrowed down the user interface to three options; a traditional screen and physical keyboard, a click wheel-centered design (similar to the original iPod), and a new touchscreen concept. After a heated internal debate, Apple settled on the touchscreen design--a single, large interface that could … Continue reading →

  • There's no sense of urgency for EMV- an update
    posted on March 19, 2015

    I recently wrote about the lack of urgency around EMV implementation and posed the question whether EMV cards are even necessary. At an industry conference this month, both informal conversations with financial industry executives and formal presentations confirmed this slow migration. While awareness is high, many see no reason to forge ahead before the October … Continue reading →

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