Readers weigh in on a proposal for encouraging small bank installment loans, a firm that uses AI to reduce false alarms, what security improvements are needed for sharing customer data, and more.

Banks in the U.S. should get ahead of potential open banking regulation by building application programming interfaces now. A preemptive strategy will give banks more flexibility.

Europe is debating whether to ban screen scraping, a practice that fintechs count on as a last resort. Innovation is at stake.

Andy Maguire faces a challenge: tasked with upgrading HSBC's digital-banking systems, he has discovered that customers are twice as likely to trust a robot for heart surgery than for picking a savings account.

Regulatory restrictions on market entry can shield banks for only so long from problems like those faced by traditional retailers. But financial institutions can take these steps to stay competitive in the ever-digital world.

Automated teller machines have come a long way since Barclays rolled out the world's first ATM at a branch in north London 50 years ago. Here's a look at some of the milestone moments and key innovations in ATM technology over the past five decades.

Long Game uses behavioral economics and the mass popularity of lottery games to redirect lottery spending toward savings.

Better information security will remain the foundation of success as the financial services industry moves quickly to engage new business models.

Users want more control over their data and more seamless integration with their financial tools. Banks and credit unions cannot wait for a regulation like PSD2 to move forward.

Readers opine on legacy core systems, the negative messaging around the Troubled Asset Relief Program, Jamie Dimon defending his Trump ties, and more.