Opinions

Banks should seize the opportunity to assert themselves as a key partner for consumers when it comes to verifying their identities across multiple platforms and services.

Noelle Acheson looks at how zero-knowledge proofs are more than a new way of looking at financial compliance — they also change how we understand the ownership of knowledge.

Community Development Financial Institutions grew rapidly in recent years. Now, though, they face a slowdown. All CDFIs will have to get leaner and more efficient. For many, mergers might be the best solution.

The failure to reauthorize protections for information exchange under the Cybersecurity Information Sharing Act has created a dangerous gap in our protection against cyber criminals and hostile state actors.

By encoding and decentralizing on-chain identity management, soulbound tokens enable institutions to streamline compliance while introducing a base for new services.

SMS-based multifactor authentication is now so badly compromised that it has become a major vector for fraud. But there's a potential solution, and it's in every bank customer's pocket.

Noelle Acheson points out that crypto custody is about more than incorporating new assets into an established service; it's about reshaping how we see standard financial concepts and using the resulting innovations to rethink client relationships.

Noelle Acheson points out that central bank digital currencies are neither the threat nor the solution many seem to think. What matters is how the technology is applied.

Noelle Acheson points out that, while banks are unlikely to issue stablecoins, the related businesses they are likely to end up offering could set the stage for a transformation of their relationship with their clients.

As stablecoins gain broader adoption in the U.S., they will eat into banks' deposits. As a result, lending in the U.S. may be increasingly funded by the wholesale capital markets.