BankThink

Setting an artificial deadline for approving bank mergers will result in hasty, ill-considered decisions. The potential damage to consumers and communities far outweighs the possible benefits.

U.S. banks are sorted into different regulatory regimes based on asset-size thresholds established in another era. Those classifications need to be recalibrated and indexed to inflation.

Legacy payment systems won't cut it as autonomous software agents begin transacting and collaborating at scale. New payment rails that take advantage of blockchain technology will be vital in the future.

Engineering an orderly transition toward greater currency diversification is urgent. It would strengthen financial resilience and help sustain international economic integration.

The benefits of open banking are obvious and significant for consumers — especially those underserved by the current marketplace. Bankers and regulators should work to speed up its implementation.

The next generation of enterprise technology will be both intelligent and decentralized. The rise of agentic AI confirms this vision, but it also challenges us to think bigger.

New regulations implementing the Community Reinvestment Act are likely to run into trouble unless they take into account the priorities of the Trump administration and its efforts to streamline the federal government.

Ending the separation of banking and commerce would open the door to dangerous concentrations of power and influence, and would threaten financial and economic stability as well as access to credit for consumers and Main Street businesses.

When supposed "fraud" becomes the headline, real solutions get pushed to the margins. In the case of housing, the real crisis is about housing affordability and supply.

The industry and its regulators need to acknowledge the danger presented by ultrarealistic deepfake technology and implement new layers of transaction authentication.