BankThink

MIT professor Maria Loumioti has studied loans made strictly using hard data and loans where a loan officer clearly was influenced by personal connections or feelings about a borrower. The results shed light on the value and limitations of "soft" information.

The Durbin Amendment is on the chopping block , which could reverse years of savings for merchants and consumers.

One recent study says local and regional FIs face the greatest risk of losses from ransomware, but there are steps CUs can take to mitigate that risk.

Acting Comptroller of the Currency Keith Noreika should take some time to assess whether the agency’s fintech charter is developing in a way that best serves the public.

Wells is expected to announce $3 billion more in additional spending reductions; B of A pays half the interest of other banks, but still rakes in deposits.

Retailers can excel at sales, service and selection, but if the point of sale doesn't have the latest technology, stores will turn off consumers.

Startups believe artificial intelligence will make loan officers obsolete, and that may be true. But it remains to be seen if AI will make lending safer.

Irish fintech execs discuss the sector's growth in their country and the opportunities from Brexit.

Andreas Dombret, the head of banking supervision for the German central bank, talks with American Banker's John Heltman about the need for international cooperation, how blockchain changes regulation, and the difference between the German and U.S. banking systems.

As Treasury Department officials review the Financial Stability Oversight Council’s designation process, they should also re-examine how the Dodd-Frank Act defines systemic risk.