Bank technology

Small-business owners are struggling to understand the cost of loans sold by marketplace lenders. To remedy this, the industry must embrace a disclosure box that includes these five principles.

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.

The emergence of lenders that have no real connection to a geographic area prompts questions over how the Community Reinvestment Act's "good neighbor" policy can continue.

The U.S. is steadily building the foundation of a nationwide faster payments system, but not all of the pieces are connected. Many of the elements developed independently, with influence from across the globe.

To help people safeguard their card information when they shop online, a handful of fintech startups are developing ways of keeping that information hidden, providing merchants with tokens instead.

The U.K. Competition and Markets Authority is looking to open application programming interfaces to spur competition in the country's banking sector.

The DAO heist and subsequent reversal of funds on the Ethereum blockchain demonstrate why developers and miners of public blockchains should have more accountability.

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Community banks are often burdened with manual data entry for processing commercial loans. Union State Bank has turned to digitization software to make it easier. It may sound modest in the age of APIs, but it made a quantifiable difference.