Resources

Zooko Wilcox, founder of Zcash, discusses how advanced cryptography can bring confidentiality to transactions on distributed ledgers; the relative merits and drawbacks of the Bitcoin and Ethereum models; and more.

Bill Barhydt, founder of startup Abra, explains how his company's mobile app uses bitcoin as a payment rail for cross-border remittances while solving the foreign exchange risk and last-mile problem that have hampered adoption of the cryptocurrency.

David Pollino, deputy chief security officer at Bank of the West, shares insights into the email-based cybertheft attacks he's been tracking and what the bank is doing to shield itself and its customers from email scams.

Changes in consumer behavior – including a growing distrust of financial advisers – are driving the rise of robo advisers, says Gauthier Vincent, a consultant with Deloitte.

Regulatory burdens (particularly the Durbin interchange cap), stubbornly low interest rates and a slow, expensive transition from branch to digital banking mean only the wealthy and the desperate are attractive customers, says Todd Baker of Broadmoor Consulting.

"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.