Readers sound off on the use of AI in underwriting, the reasons for the failure of a Milwaukee bank, U.S. banks’ progress in adopting APIs, and more.

Executives at the embattled bank made clear Thursday that they are not discarding its long-standing strategy of selling additional products to existing customers.

Self Lender and Wela, two fintech startups, are making their marks on the savings app space by providing incentives to users to manage their money wisely.

Financial institutions should begin to treat data not just as a means to implementing a business model, but as an integral and valuable part of the business model.

Banks have warmed up to digital wealth management tools but will need to use their human advisers, too, to beat fintechs.

American banks’ slow adoption of application programming interfaces is one reason the world’s largest economy has stumbled in advancing digital banking.

The consumer banking experience still needs work. But instead of investing money in consumer-facing products, we must invest in critical yet less sexy infrastructure improvements.

A tech JV between Live Oak and First Data aims to do for small-business deposits what the bank previously did for lending.

Despite major fanfare about new challenger institutions or digital-only bank brands, technology and revenue difficulties are among the factors threatening their ability to adapt and grow.

Startups believe artificial intelligence will make loan officers obsolete, and that may be true. But it remains to be seen if AI will make lending safer.