Capital markets

Having a leverage ratio as a backstop to risk-based capital requirements is sound, but the way it is currently calibrated is having a dramatic effect on financial markets.

Security companies are using technology to stop more complex fraud based on a smaller amount of data, and investors are taking notice.

Young businesses often prefer banks, especially community banks, over online lenders. However, traditional lenders need to make quicker decisions, simplify the application process and make other improvements, these customers say.

Fifth Third’s new chief legal counsel, Jelena McWilliams, might be changing jobs again and Australia’s first female bank CEO tells all in a memoir. Plus, the advantage with female founders, and young feminists on the rise.

San Francisco-based startup UnifyID is developing an “implicit authentication” platform that requires no conscious actions by users to authenticate identities, and it’s just closed $20 million in fresh funding to support its growth.

Christine Duhaime, an anti-money-laundering attorney in Toronto, lays out the reasons banks should become early experts (and assist) in initial coin offerings. She also lays out the risks, especially in the wake of the SEC’s report suggesting some ICO tokens are really securities.

The agency’s new classification of “initial coin offerings” is yet another affront to the efforts by fledgling companies to raise funds.

Visa's recent leading of a $25 million investment round in Marqeta is an unusual move for the card network, which has most recently focused its investments in merchant acquiring technology companies.

Startups and open-source software projects have raised $1.3 billion this year through initial coin offerings. The real boom may still lie ahead, fears of a bubble notwithstanding.

CircleUp is offering lines of credit to early-stage consumer brands, which can often only get financing at high interest rates.

The federal agency's investigative report concludes that crowdsales of blockchain tokens known as initial coin offerings may need to comply with securities laws.

Just as pre-crisis success was illusory, so too might be expectations that banks could ever regain that type of profit growth again.

Klarna recently received a banking license in Sweden, and is in the midst of an international expansion.

A profile of New York's top cop for banking offers insight into her thinking on hot regulatory issues; the women behind the machine learning at Morgan Stanley and UBS see a future with better advice; plus, Jane Austen and the new Doctor Who.

As retailers scratch their heads to find ways to counter Amazon's ongoing disruption of their industry, investment is flowing to technology companies that meld shopping, payments and fulfillment.

A new blockchain network that promises to compete with Ethereum is taking the token sale trend to the next level.

The app allows users, many of them first-time investors, to get started for as little as $5.

The Spanish bank's VC arm added two companies focused on artificial intelligence to its portfolio this week. Both firms promise to help banks connect better with customers.

It’s not speed, which will steadily if not exponentially increase in the near term. It’s the centralists that are holding onto their roles as reconcilers of data.

Chinese banks and insurance companies represent a new and potentially large source of capital that could crowd out U.S. banks as investors in collateralized loan obligations.