Shares in the online small-business lender plunged Tuesday after the firm's 2016 revenue guidance fell short of expectations. New details about the firm's plans to provide its technology to big banks did nothing to stanch the bleeding.

Yes, all the big banks are paring their balance sheets to comply with new rules and axing expenses to please shareholders, but JPMorgan is simultaneously targeting affluent cities for branch and deposit growth.

Despite banks' attempts to test and use blockchain, the technology that powers bitcoin, for their own commercial gain, it is outside the realm of possibility for the technology to serve any useful purpose for the intermediaries it was designed to replace.

OnDeck Capital in New York reported a $5.1 million loss in the fourth quarter as revenue failed to keep pace with rising expenses.

Industry pundits have been predicting the demise of the branch since the dawn of online account access 20 years ago, but digital services haven't replaced branches. They have just increased the contact banks have with their customers. That's won't change anytime soon.

Mondo, a U.K. challenger bank, plans to make it easy for customers to use financial products and services from other companies. Rather than giving away the store, the bank says this approach will make it a marketplace.

Banks are enthusiastic about innovation that involves both traditional institutions and nonbanks, but a more cohesive regulatory landscape is needed for cooperation between banks and fintech to grow even more.

Despite the rise of digital banking, most people still look to physical channels when opening accounts. That's partly due to consumer preference, but banks have a long way to go to make the digital sales experience smooth.

Accenture has created a blockchain practice within its financial services group and partnered with Digital Asset Holdings to help companies assess and implement blockchain solutions.

Compared to other countries with fewer banks, the faster payments initiative in the U.S. will require a far greater level of collaboration and participation.