BankThink

A credit union CEO takes issue with the narrative that the purchase of community banks by credit unions is a dangerous trend. In fact, he argues, it's rare, and when it happens, it benefits the communities those banks serve.

Banks need to recognize that agentic AI is almost certain to upend their traditional business models. Early adopters may be able to grab an advantage, while laggards will be fighting over diminished profits.

Stablecoins don't compete with payment platforms. They do, however, provide a turbo-powered springboard for new projects that will, just as incumbents are adapting to the new tools.

We must build a small-business finance sector where business coaching is integrated and accessible. Philanthropy can ignite progress in the private sector and banks and community lenders can drive it forward.

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.

The Federal Housing Finance Agency director should spend less time on partisan attacks and social media posting, and more on trying to resolve the housing crisis.

The perennial effort by state-level lawmakers and regulators to impose their will on national banks risks damaging a well-balanced system that has allowed the U.S. economy to thrive.

Pious claims about the importance of free data are a smoke screen. What the fintech industry really wants is to stick banks with the bill for organizing, securing and delivering customer data on their behalf.

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.

The agency's proposal to remove the requirement that banks provide public notice of plans to open new branches short circuits a key means of holding banks accountable for their obligations under the Community Reinvestment Act.