Bank technology

Diebold CEO Andy Mattes shares his vision for how ATMs will evolve over the next 10 years.

The huge growth of online banking, including mobile, has transformed the industry, bringing tremendous choice, flexibility and convenience to consumers and businesses. But online banking can also be a source of fraud. Watch this video and learn the real risks of web fraud to financial institutions and ways to prevent it.

Bank regulators will stiffen their requirements and identity theft will escalate, but banks will toughen up their defenses.

At the start of 2015, there was a sense that Silicon Valley would soon rule the world of finance and that banks risked irrelevance. A year later, a more balanced picture has emerged.

From exposés of the Consumer Financial Protection Bureau's wrangling with auto lenders to analyses of the banks' technological experimentation and retooling, these are American Banker's most popular stories of 2015.

A lot of bank boards have a big knowledge gap when it comes to technology. A recent Accenture study found that, of 109 large banks globally, more than 40% did not have a single board member with a technology background. And the situation is even more worrisome at small banks.

The blockchain could move from testing to reality, APIs are likely to expand, and more functions will move to the cloud as banks look for ways to fend off fintechs in 2016.

Banks claim bandwidth and security concerns led to interruptions for personal finance apps, but institutions still resist a more secure and efficient portal.

After defeating an expert in Japanese chess, this computer program's next task is to figure out if you can make the payments on a new mortgage.

The 10 most popular BankThink posts of 2015, based on audience page views.

Opportunities abound, in affordable housing, capital raising, consumer lending and more. We aim to get you thinking about how new developments on many fronts could affect your business as you plan for the coming year and beyond.

As debt collection abuse cases rise in prominence and regulators ponder new rules, it's time to give the idea of a national debt registry a closer look.

Relations between banks and providers of personal financial management tools have soured of late amid reports that some banks block PFM sites' access to their customers' information during peak traffic periods. Aggregators say they are working to address banks' concerns, but they also are urging banks to invest in more server capacity to keep pace with customer demand.

Several organizations, such as Swift and The Clearing House, announced faster payments initiatives this year. Those initiatives will likely play critical roles in 2016 in helping the Fed plot ways to modernize the U.S. payments system.

Despite increased investment and development in the consumer payments space around mag stripe, EMV and contactless payments solutions, there is still a huge concern when it comes to data theft.

If dead men tell no tales, that makes identity theft of deceased account holders all the harder for card issuers to combat, particularly when the perpetrators are bank insiders.

Far from the madding crowd, the GE spinoff Synchrony runs an innovation lab in Stamford, Conn., that is buzzing with pragmatic projects and a culture that promotes collaboration and quick execution of new ideas.

Once billed as a safer alternative to traditional finance, the new crop of tech-powered lenders is starting to resemble previous generations of finance companies whose fortunes rose and fell with each economic cycle.

The Bancorp in Wilmington, Del., has agreed to pay a $3 million civil money penalty to address issues tied to electronic fund transfer practices.

Some lost their jobs while others made major missteps or faced serious challenges to their business plans. Here are the folks who had a rough 2015 and are looking forward to better times in 2016.