Banco Popular de Puerto Rico

Recipients of the 2016 FinTech Forward awards discuss the various factors that are keeping banks from fully embracing the digital world the way startups do.

Cash machine transactions have held steady over the past three years, despite the rise of mobile and peer-to-peer payments, according to Andy Mattes, CEO of ATM manufacturer Diebold Nixdorf. "Consumers embrace all types of payment," Mattes says.

Learn more about CUJ's enhanced and improved online experience, including a mobile-friendly architecture with responsive design and enhanced navigation.

Critics of Dodd-Frank argue that post-crisis regulations put a damper on lending. But loan growth at regional and community banks has "actually been very strong," says Joo-Yung Lee, head of North American financial institutions at Fitch Ratings.

The recent decision by the Federal Reserve Board to exempt banks with less than $250 billion in assets from the qualitative aspects of the CCAR stress tests may be a sign of things to come, says Joo-Yung Lee, head of North American financial institutions at Fitch Ratings.

You might need to call on different strategies to help you advance at each stage of your career, says Linda Verba of TD Bank.

Vinny Lingham, founder and CEO of Civic, discusses the froth in cryptocurrency markets, the mania for "initial coin offerings," the right way to do token sales, the future of digital identity and the banking system's security failings.

Two small banks recently announced plans to ditch their holding companies, but more could be on the way, says KBW CEO Tom Michaud. A big reason why is that regulators haven't gone far enough in "harmonizing their approach" to oversight, he said.

After a long dry spell in the industry, de novo banks are coming back, thanks to renewed interest from both investors and regulatory agencies, according to Tom Michaud, CEO of Keefe, Bruyette & Woods.