Opinions

Recent federal guidance stopped short of issuing rules for banks' artificial intelligence use, but bank examiners already have some tools they can deploy to make sure these systems operate safely.

Crypto is entering its "institutional era" as tokenized assets and stablecoins gain wider adoptions. The trade-off is that only companies that offer real utility to established institutions in the market are likely to survive.

Credit unions have long led banks on traditional customer service metrics, but they are currently struggling to match banks' digital service scores. The answer may be deeper collaboration with fintech partners.

Artificial intelligence tools will certainly change the way the banking industry operates, but they won't eliminate the need to build your business on a firm foundation of care for employees, customers and shareholders.

The section of the bill addressing stablecoin rewards is the product of a hard-won bipartisan compromise. Efforts to reword it would not only create confusion, but would seriously endanger its passage.

Tokenization projects are no longer viewed as modernization initiatives, but rather as a potential source of new revenue, lower operating costs, improved capital efficiency and differentiated products.

One of the benefits of the Clarity Act is that it would codify much of digital asset firms' anti-money-laundering responsibilities. This is good news for banks that have been understandably nervous about counterparty risk.

Banks are investing in ever-more capable technology, from new banking apps to AI-enabled back-office systems. But what keeps customers coming back continues to be their relationships with real bankers.

At a time when the client experience is growing increasingly similar across different banking platforms, the banks that succeed will be those that deliver services tailored to the precise needs of individual customers.