Banks should work to shield some customers who may otherwise be flagged or blocked by AI-powered safeguards, and consider using alternative data to expand services to the underbanked.

Bigger banks appear to be losing C&I share to small and midsize lenders. That's raising questions about whether community banks — known more for commercial real estate lending — have enough expertise to underwrite deals that larger banks avoid.

Regtech — the intersection of regulatory compliance and financial innovation — is still taking shape in the U.S with some pushing for "tech sprints" to speed the development of new tools, while some see new threats and opportunities looming in the space. Following is a look at hot-button topics at American Banker's RegTech summit.

Banks need dedicated teams to shore up digital compliance efforts, officials at SourceMedia’s RegTech 2018 conference said.

The San Antonio bank will refer customers seeking small-business loans to StreetShares, a financial startup that is similarly focused on serving veterans of the U.S. military.

The regtech firm Arachnys, which recently raised $10 million from QED Investors and others, draws from a collection of 23,000 data sources to help banks protect themselves from money launderers and other criminals.

Executives at Wells Fargo, BBVA Compass, ATB and Banco Popular share some of the pain points they've encountered as they've implemented artificial intelligence, and how they overcame them.

Visa is pursuing the online criminals to prevent future fraud. Visa also works with law enforcement agencies to quantify potential losses and, where possible, assist in the threat mitigation.

The potential for voice payments is massive and drawing significant attention from developers. But limited use suggests it's not ready for prime time.

It seems that every year, at least since Apple Pay launched in 2014, it’s the “year of the mobile wallet.” And each year, like clockwork, the banks end up disappointed in the lack of traction in mobile wallet usage and adoption.

Entry of Alipay and WeChat Pay into the U.S. market will spur banks to innovate, according to Sarabjit "Ruby" Walia, executive vice president and head of digital retail banking and wealth management at HSBC

Wells Fargo has numerous mobile banking and card account apps in the works, including Control Tower and Greenhouse, and those will inform its Pay with Wells Fargo project, according to Beverly Anderson, the bank's executive vice president of cards and retail services.

The subprime auto lender Prestige Financial Services used machine learning to make more effective lending decisions than its former model.

The Merchant Customer Exchange may not have succeeded, but there is still value to the concept that drove the retailer-driven wallet, according to Brian Crist, chief payments counsel at Uber.

Many companies no longer rely on static passwords alone, and use two-factor authentication to protect consumer accounts. The problem is they're using the same second factor: text messages sent to mobile devices.

Acorns is about investments, but its debit card is about something else: instilling pride in the act of making a payment

With Google facing scrutiny of its data collecting practices, one exec sets the record straight: Yes we know you took an Uber, no we don't know where you went.

Wells Fargo exec Michelle Ziolkowski was fed up with writing checks, but her piano teacher didn't want to go digital. So Ziolkowski started tracking her check-cashing behavior.

As the major banks grapple with the slow and steady implementation of The Clearing House’s Real Time Payments (RTP) system, one organization, Ingo Money, is forging ahead in delivering faster payments for its clients and their customers using the card networks’ push payments rail.

Zelle doesn't require a bank or credit union to participate in its network to allow it to receive funds; so even Zelle holdouts will see some activity on their accounts. This allows credit unions to compare members' demand to usage, and to determine whether signing up with Zelle is worth the trade-offs.