MIT professor Maria Loumioti has studied loans made strictly using hard data and loans where a loan officer clearly was influenced by personal connections or feelings about a borrower. The results shed light on the value and limitations of "soft" information.
Andreas Dombret, the head of banking supervision for the German central bank, talks with American Banker's John Heltman about the need for international cooperation, how blockchain changes regulation, and the difference between the German and U.S. banking systems.
Blockchain technology requires major change in people and processes and smaller banks need to prepare, according to Joe Dewey, an attorney at Holland & Knight and author of a new book about distributed ledger technology.
American Banker's Rob Blackwell and Marc Hochstein discuss the pushback from state regulators and consumer advocates against the OCC's proposed charter; Chris Skinner and Jim Marous hold forth on fintech.
Kosta Peric, deputy director of digital payments and financial services for the poor at the Gates Foundation, discusses his efforts to expand access to low-cost financial services in developing countries.
A freewheeling discussion (over beers) about the future of branches with Tom Brown of Second Curve Capital and Dave Martin of BankMechanics at the Trump National Doral hotel in Miami during American Banker’s Retail Banking 2017 conference.
At last week's conference in London, host Brett King took time away from speaking and judging startup pitches to talk to some of the main presenters, including Ruth Wandhöfer, Citi's global head of regulatory and market strategy.