Bank technology

Bank of America has nearly three dozen patents pending related to blockchains. More banks are expected to seek patents as the technology associated with cryptocurrencies creeps closer to widespread use.

The best customer prospects are specific individuals, so don't fall into the trap laid by surveys and articles that recommend a grand pitch to Generation Y as a marketing strategy.

Univest believes its subscription-based pricing model may have solved a persistent fee conundrum – charging small-business customers for various services without irking them.

Bank of America is preparing to submit 20 blockchain-related patents any day now to the U.S. Patent and Trademark Office, CNBC reported this week, citing a company spokesperson.

PricewaterhouseCoopers has partnered with the blockchain technology company Blockstream to bring distributed-ledger and smart-contract technology to its clients.

HSBC is testing a new money management app that uses push notifications to nudge customers into saving more and spending less.

Federal and state banking regulators are still struggling with how to come to grips with banks whose clients are heavily involved in digital currencies like bitcoin — and that may be curbing interest from many in the financial industry.

HSBC said a cyber attack temporarily shut down its Internet banking on Friday, the second time the bank's online services have been disrupted in the U.K. this month.

The potential for more convergence between financial products and physical products raises a whole host of data and privacy issues that banks must deal with proactively.

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