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First National Community Bank CEO Ryan Earnest said his institution would likely use its entry into Paulding County, an Atlanta suburb, as a template for future expansion.

Nitin Seth is the co-founder and CEO of Conversive. With over two decades of experience, he is a leading expert in powering rich Conversational Messaging experiences through SMS, WhatsApp, Facebook, and other messaging channels. Recognizing the overwhelming volume of irrelevant messages, Nitin is dedicated to transforming 'messaging chaos' into personalized, meaningful interactions. By leveraging AI and digital technologies, he empowers insurance, financial services, and other industries to create simple, effective, and personable customer engagements.

The infrastructure fund dubbed BXINFRA targets individuals with at least $5 million of investments.

Lincoln Savings Bank and Vantage Bank are two new clients of banking-as-a-service provider Unit. They say it improves their ability to 'go direct' rather than hinder it.

The Bank of England and the Bank for International Settlements have built a gauge to measure stablecoin reserves, and U.K. challenger bank Monzo is offering a bonus interest rate.

Joey Pizzolato is a reporter at American Banker, covering all things payments, including stablecoins, agentic AI, buy now, pay later and earned wage access. He is based in New York.

Prior to reporting on payments, Joey spent nearly six years covering auto finance as the editor of Auto Finance News, and has also covered the mortgage and housing industry, bank technology and marketing, state and federal regulation, fraud and the asset-backed securities market. 

His work has earned him two Azbee Awards: One for investigative journalism examining the ease at which bad actors can obtain fraudulent employment verification needed to finance automobiles on social networks such as Facebook and Instagram; and one for enterprise news reporting that examined the lasting effects of inflation and COVID-19 pandemic on the subprime auto finance industry. In 2023, he was named a Goldschmidt FRED Fellow by the Society for Advancing Business Editing and Writing. 

Joey holds a Master of Fine Arts from the Naslund-Mann Graduate School of Writing at Spalding University and a Bachelor of Arts degree from DePaul University. 

Email Joey at joey.pizzolato@americanbanker.com. Reach him on Signal at @joeypizzolato.25

The same creativity and flexibility that community development financial institutions bring to business lending ought to be applied to financing affordable housing.

During a market rally following Monday's correction, MoneyLion was left behind despite beating analyst expectations and issuing a positive outlook.

Gary Quinzel, vice president of portfolio consulting at Wealth Enhancement Group, gives his views about monetary policy and offers his opinion on the FOMC statement and Fed Chair Jerome Powell's press conference.

The parent company of Fulton Bank announced the creation of three new management roles and promoted existing employees into those jobs. The changes follow the recent hiring of an outsider to be CFO.