Large tech companies have been driving home the message that they can help the many Americans who struggle financially. But there are good reasons to be skeptical of their intentions.

New tech lets American Express instantly issue cards to immigrants; the end of Libor raises concerns about financial stability; regulators shutter banks in Kentucky and Ohio; and more from this week's most-read stories.

It's time to establish a fintech commission.

The more things change in small-business lending, the more they stay the same, going back as far as 3,000 years. But in this book excerpt, Karen Mills, former head of the Small Business Administration, predicts momentous changes ahead.

APIs have opened a window for banks to capture a greater share of business payments, leading JPMorgan Chase to seek partners for faster results.

The parent of Silicon Valley Bank is as bullish as Citi on the growth potential in China, despite the trade war. SVB's focus on early-stage startups is boosting its profits from Asia.

Digit is applying its automated-savings techniques to the growing problem of student loan debt.

Unlocking the information that technology companies have on consumers would benefit banks and society overall, the chairman of the Spanish banking giant said.

Consumers needed payment platforms that could handle internet payments, and startups quickly filled the void, says Chief Outsiders' Mark Coronna.

U.S. banks are trying to answer a key question about open banking: Can we share our data with payment companies and other fintechs without scrapping our legacy systems? The answer is yes, with an asterisk.