Opinions

I made a provocative comment, as it turned out, during my keynote at a recent conference. The comment was picked up in a press article that reported I said "the coding behind virtual currency bitcoin could also prove to be enormously transformational, potentially even replacing the Swift network for interbank payments."

Research shows the more consumers interact with branch staff, the more they dislike the brand. To improve their image, banks need to emulate Apple and focus on every customer experience detail — in tech and in person.

NFC mobile payments continue to grab headlines, but to really drive uptake and ensure full market coverage, combining contactless cards with next-gen mobile banking apps is surely the right way to go for new banks.

The more welcoming European regulatory environment for blockchain developers could take the competitive edge away from U.S. banks unless regulators here start championing fintech innovation.

The fight over the security protections on the San Bernardino, Calif., iPhone is about more than a single device or Apple's product line.

Traditional financial institutions are often seen as the outdated rival to new disruptors, but the idea that a bank can't be a marketplace lender, and vice versa, is a myth.

A mature governance framework and risk culture that reaches all employees are among the attributes of a high-functioning "risk organization."

In focusing on private blockchains, banks make the same mistake companies made in the nineties when they favored private information networks over the open protocols of the Internet.

The third party wallets, or the “pays” as they are called, are failing to make a splash. Mobile wallets which let you pay any merchant from your smartphone are simply not a reality today.

Hailed as a space- and cost-saver, interactive video teller machines don't always succeed as a strategy. Many banks offer them without a clear business case to justify the investment.