BankThink

4.5% rates could trigger more homebuying and refinances; Sherborne Investors wants a seat on the bank’s board so it can facilitate change.

Its early days yet, but decentralized apps will democratize finance, says Andrew Keys, cofounder of ConsenSys Capital, the financial services arm of ConsenSys.

Wire transfers have higher fees and fraud risk than other methods, according to Chen Amit, CEO of Tipalti.

Technology-driven systems aren’t enough to root out anti-money-laundering violations. Congress should consider creating a program that would encourage those with knowledge of illegal behavior to come forward.

Despite some growing support for central banks issuing digital currencies, the practice raises important privacy concerns and questions about the structure of the banking system.

Linda Lacewell replaces Maria Vullo as New York’s chief financial regulator; the Swiss bank is reportedly talking to Christian Meissner about a senior role.

Providing access to accounts in a disorganized or incongruent manner could endanger PSD2’s opportunities for the entire market, according to Shahrokh Moinian, global head of cash products and cash management at Deutsche Bank.

Sell-offs are happening all over, bitcoin has shown strength in the past and is attracting partnerships, argues Ken Gary, vice president of corporate strategy and development at Stafford Communications.

The SEC and FASB control the process now, but Congress should give banking regulators a more central role in overseeing the creation of accounting rules.

The accounts — which eschew paper checks and overdraft protection — appeal beyond the low-income customers they were intended for; lenders are embracing artificial intelligence systems to analyze more data to determine creditworthiness.