John Adams

CO-OP Financial Services hopes the model used in one of the oldest staples of credit union cooperation, the shared branch, can drive new digital commerce innovation such as person-to-person payments.

Empire Bank's push to get small businesses to use electronic transactions focuses on clarifying terms that banks and businesses often use differently.

CO-OP Financial Services hopes the model used in one of the oldest staples of credit union cooperation, the shared branch, can drive new digital commerce innovation and help get a leg up on banks.

Dodd-Frank and Basel III mandated stress testing will require substantial data management changes and investments by bank IT shops. Compliance experts say getting the data infrastructure in order now can go a long way toward easing pain in the future.

There's no shortage of data for banks to harness or advice about how to use the consumer and economic information that's now available.

Bridge Community Bank is using a digital identity that combines user information with the person's fingerprints and headshots.

Mobile commerce is becoming more diverse and reliant on proximity payments, requiring banks to dust off their merchant strategies, a Forrester study concludes.

With card networks pressuring merchants and acquirers to get on board with chip and PIN in as little as a few months, proponents contend speedier methods are needed.

Think Finance CEO Ken Rees says social networking data can provide clues that help with underwriting.

Educational materials and user-friendly design simplify corporate treasury complexities.

Some financial institutions are blaming new regulations, and the investment burden for IT compliance, for shuttering parts of their businesses.

The bank hopes electronic lien and title documents will reduce paper and trips to the DMV for consumers.

A new mobile banking ad campaign uses unusual videos to encourage engagement in and adoption of mobile banking.

USAA is allowing users to snap photos of blank checks to help fund a new checking or savings account and solve the "fat finger" problem.

Bank Mortgage Network uses business process outsourcing, and a dash of auto manufacturing, to mitigate a complex regulatory environment for mortgage originators.

Emerging tech promises to help companies produce scalable mobile alerts, marketing and other messages, if banks are willing to turn to remote hosting for a large piece of their marketing and communications.

Deals such as NCR's purchase of uGenius accelerate the evolution toward smaller, self-service-heavy financial centers.

Efforts to boost consumer adoption focus on imaging via smartphone cameras.

What's wrong with passwords? Plenty, if you ask almost anyone. The traditional user name and password is old and unsafe. The alternative is "bring your own ID" - voice, fingerprint and facial recognition technology that's emerging from tests into production.

After years spent responding to the financial crisis, bank IT shops are turning toward innovation, spurred by nimble competitors.