Bitcoin skeptics continue to misunderstand a technology that could forever change the way financial services operate. Here are four common — and incorrect — beliefs on why bitcoin will fail.

Application programming interfaces are the connective tissue of the digital transformation at banks. Their role is getting more important as consumers look for more ways to connect.

Banks need to embrace technology that can deliver the speed and personalization millennials have come to expect or risk losing this customer segment to fintech companies for good.

Distributed ledgers have the potential to simplify and strengthen bank regulatory oversight when applied in the appropriate context, such as during the Shared National Credit examination program.

Bots have slowly begun to creep onto the online payments scene, and they could offer a whole new, simpler way to part with our cash.

The popular German digital startup Fidor Bank has agreed to be acquired by Groupe BPCE, the second-largest French bank.

A less discussed but arguably more important application of the blockchain is to help serve the unbanked masses, including refugees.

Banks can borrow some of the best practices from mobile-first fintech firms in order to compete with startups for millennials.

"Nobody really paid attention" when the technology for algorithmic portfolio management and investment advice was developed five years ago, says Gauthier Vincent of Deloitte. But now that robo startups are all the rage, retail banks want in.

Large incumbents can effectively pursue and cultivate disruptive innovation without buying a disruptor. Here's how.

Several core processing vendors with mobile-age platforms have sprung up in the past year. Making a lasting mark in a field dominated by entrenched vendors will take time.

Of the 10 fintech startups that pitched their wares at startupbootcamp FinTech New York on Wednesday, half plan to sell their software to banks. Only a few vie to take on established players.

Confusion among bankers on what real-time ACH payments are and how the transactions are processed is a major barrier to adoption in the U.S. Here's what banks need to know.

Wells Fargo plans to pilot a digital advice platform in early 2017, according to a high-ranking executive at the wirehouse.

The fragmentation of the U.S. regulatory system and uncertainty around what agencies will regulate fintech firms could slow down innovation.

Banks frequently blame "the rules" in shunning partnerships with fintech startups. However, compliance can be a positive force, not something that inhibits growth.

As banks develop their customer digital banking channels it's increasingly clear mobile devices are the glue that will bring different experiences together. But there's one problem: mobile banking hasn't even really taken off yet.

Rather than replace bankers with technologists, bankers must return to their original role in the community: help entrepreneurs succeed through connecting capital with good ideas.

The business case for real-time payments is not the opportunity to charge high fees. Rather, the payoff – which will take time – will come in retaining customers, lowering operational costs, and delivering timely financial insights to smartphone-toting customers.

Attendees at the recent White House fintech summit shined a spotlight on shared innovation challenges. To overcome them and help the U.S. make progress in financial services, we need to embrace these three regulatory reforms.