Bank technology

Twenty lenders from across the country are participating in Underwriting for Racial Justice, a collaborative effort to develop new criteria that will enable marginalized borrowers to gain access to credit.

AI and machine learning are the future of banking and financial services. Regulators and policymakers need to keep the pace.

The technology that powers ChatGPT can sift through and even synthesize massive amounts of data, though it must overcome doubts over reliability, transparency and regulatory risk before it can be harnessed to conduct useful research.

People love the convenience of nonbanks' financial apps. Regulators could make it much safer for them to share their data with third parties.

Small-business owners need more help from financial services companies when it comes to making major decisions about their companies' future.

Banks that haven't built a plan to implement the Federal Reserve's new real-time payments system still have time to make up lost ground.

Smaller banks face challenges in providing their business customers with modernized tools to streamline payments, but the newest breed of embedded banking tools are making it easier for banks to help businesses increase revenue and cut costs.

Regulators need to recognize the uniqueness and potential of cryptocurrency instead of seeking to fit crypto assets into an outdated regulatory framework.