Opinions

Banks are a critical link in the chain of elder fraud; blockchain is exciting and infrastructure is boring, but they're actually the same thing; and there are way more home sellers than buyers.

In a digital world, paper checks are an expensive, inefficient and unsecured vestige of the past. Bankers, regulators and policymakers need to come together around a strategy to eliminate their role in the U.S. financial system.

Trading bitcoin and other cryptocurrencies is fine, but it's a sideshow: Blockchain is the underlying innovation that has the potential to change the way markets operate.

The SEC appears to be serious about moving from quarterly reporting to semiannual, but what if technology could provide a path in the other direction?

More than a thousand years ago, merchants in imperial China revolutionized the concept of money by replacing metal coins with paper. A similarly transformative change — programmable money — is on the cusp of adoption today.

The most compelling innovation in banking today is not about flashy interfaces or speculative applications of technology, it is about strengthening core functions such as lending, payments, risk management and compliance.

As funding mechanisms for sovereign debt and large assets increasingly migrate toward real-time financial infrastructure, banks are at risk of being displaced as key intermediaries in global finance.

One way for credit unions to remain competitive is to control their own data; and Iran is fighting an economic war.

If we allow algorithms to inherit yesterday's incentives — maximizing return, minimizing empathy — then tomorrow's system will be flawlessly efficient at reproducing inequality.