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Market Intelligence:
AI
Payments
Research
  • Payments
    Why FIS changed its Worldpay spinoff plan

    The payment processor Worldpay was originally supposed to be publicly traded. By taking the unit private and retaining a stake, FIS can remain competitive n merchant services.

    By John Adams
    Executive Editor, Payments
    July 6
    A customer holds a contactless debit card issued by HSBC near a Worldpay payment terminal.
  • Consumer banking
    CFPB report shows late fees are not a top complaint — for a reason

    The Consumer Financial Protection Bureau wants to wipe out $9 billion a year in consumer costs by cutting credit card late fees to just $8. But consumer complaints about late fees remain low, and experts say that's because many first-time late fees are forgiven.

    berry-kate126x126.jpg
    By Kate Berry
    Reporter
    July 6
    CFPB
  • Fintech
    9 fintech investors with the most venture capital investments

    The top three fintech investors in the ranking have 42 combined VC investments at the end of Q1 2023.

    July 6
  • BankThink Technology is our only hope to cope with red flags and black swans

    AI and machine learning are the future of banking and financial services. Regulators and policymakers need to keep the pace.

    July 6
    Karin Schreiber
    Karin Schreiber
    Sygno
  • Law and legal issues
    Supreme Court could limit enforcement powers of U.S. banking agencies

    A challenge to the SEC's use of administrative law judges could have big implications for bank regulators. The FDIC, Fed, OCC and CFPB could be forced to go to federal court in cases that would otherwise be handled in-house.

    By Kevin Wack
    Banking Editor
    July 5
    Supreme Court
  • Credit unions
    How credit union branches are doing more with less

    Michigan State University Federal Credit Union and its peers are streamlining branch design and staffing to improve customer service while managing the rising costs of real estate and construction.

    Charles Gorrivan
    By Charles Gorrivan
    July 5
    Michigan State University Federal Credit Union (MSUFCU)
  • Diversity and equality
    'It goes beyond just translating': How bank products become bilingual

    Few large banks fully support the Spanish language. Those making the effort, including U.S. Bank and Square, could better reach a fast-growing population.

    By Miriam Cross
    Tech Reporter
    July 5
    Woman typing on computer in Spanish, using Square products.
  • M&A
    Chicago-area banks get their merger done. It's no small feat in 2023.

    Byline Bancorp completed its acquisition of Inland Bancorp on time, avoiding the kind of regulatory delays that have dampened bank M&A activity for the past 18 months.

    By Jim Dobbs
    Deputy Editor, Community Banks
    July 5
    Chicago
  • BankThink AI is about to make synthetic fraud a much bigger problem

    Synthetic fraud — which combines real and false identifying information — has been a niche variety of identity theft for some time. But recent advancements in artificial intelligence and people's access to it might bring it into the mainstream in a big way.

    July 4
    John Heltman
    John Heltman
    American Banker
  • BankThink How to nail your interview at a financial services firm.

    Banks know what they're looking for. Here are key ways to show them that you can bring it to the table.

    July 4
    Darlene Pasquill
    Darlene Pasquill
    Mizuho
  • Credit cards
    How the big student-debt ruling will affect U.S. consumer lenders

    The Supreme Court's decision to strike down billions in debt forgiveness could make it harder for millions of Americans to pay back other kinds of debt. It also threatens to further curtail lending in an already sluggish credit market.

    Charles Gorrivan
    By Charles Gorrivan
    July 3
    Student debt
  • Wealth management
    How Citizens plans to take on the wealth industry after its hiring coup from First Republic

    Citizens made waves with its hires of around 50 private banking staff from First Republic. The head of wealth management at Citizens shared what's next.

    By Victoria Zhuang
    Reporter
    July 3
    Citizens Bank branch in Ukranian Village, New York City.
  • Payments
    With the chip shortage fading, in-car payments gain speed

    JPMorgan Chase and Discover are among the firms developing new technology to allow more people to shop from behind the wheel.

    By John Adams
    Executive Editor, Payments
    July 3
    MercedesBenzBL
  • Artificial Intelligence
    JPMorgan Chase using advanced AI to detect fraud

    One area of focus for the bank is using advanced artificial intelligence to detect business-email compromise. The payment messaging network Swift and online gambling host Caesars are also using AI to stop people from gaming their systems.

    Penny Crosman Cropped
    By Penny Crosman
    Executive Editor, Technology at Arizent
    July 3
  • Regulation and compliance
    Capital buffers for regionals, big banks move in opposite directions

    Following regulatory stress tests, three midsize institutions expect to be required to maintain larger stress capital buffers. The reverse is true for four of the nation's largest banks.

    By Kevin Wack
    Banking Editor
    June 30
    Truist - Citizens - Capital One
  • Branch banking
    Cullen/Frost plans to double its branch presence in Austin

    The San Antonio bank says it will open 17 new financial centers in the Austin region by 2026. It's the latest step in a physical expansion strategy that has led to dozens of new branches in Houston and Dallas.

    Jordan Stutts Author Image
    By Jordan Stutts
    Reporter
    June 30
    Frost Bank
  • Digital banking
    Banks develop digital brands: 'Gen Z doesn't want to go into the branch'

    PeoplesBank in Massachusetts and others have developed digital brands that cater to younger customers' demands for smoother technology and mobile experiences.

    Catherine Leffert Author Image
    By Catherine Leffert
    Reporter
    June 30
    Young adults using cellphones in the subway.
  • Politics and policy
    Warren to CFPB: Credit card late fees are profit, not a deterrent

    Sen. Elizabeth Warren, D-Mass., in a letter to the Consumer Financial Protection Bureau, challenged the idea that credit card late fees serve as a deterrent to delinquency, instead saying issuers told her office that some of them earn tens of millions of dollars collecting late fees.

    Claire Williams, staff writer, American Banker
    By Claire Williams
    Reporter
    June 30
    Elizabeth Warren
  • Regulation and compliance
    The next test: How much capital will banks return to shareholders?

    The Federal Reserve's stress tests suggested that larger banks are prepared to handle a severe economic downturn, though regional banks fared somewhat worse than their big-bank counterparts. Banks are expected to start revealing their latest capital return plans on Friday.

    By Orla McCaffrey
    Staff Writer
    June 29
  • Mortgages
    JPMorgan expands mortgage assistance in Black, Hispanic communities

    Under a 2-year-old program, homebuyers receive grants of up to $5,000 for down payments and closing costs. JPMorgan Chase said the latest expansion — to some new 3,000 census tracts in 16 U.S. markets — may help an additional 1,000 customers obtain mortgages.

    Charles Gorrivan
    By Charles Gorrivan
    June 29
    Signage is displayed outside a JPMorgan Chase bank branch in Chicago.
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23RD ANNUAL THE MOST POWERFUL WOMEN IN BANKING

Meet The Most Powerful Women in Banking 2025, our annual ranking of the executives at the pinnacle of the industry.

ABM1025_Cover.jpg

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