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.

It is not startups but rather Silicon Valley’s biggest names that are best-positioned to compete with banks in the blockchain race.

Along with asset and membership milestones, the credit union celebrated its 100th anniversary in 2016.

Banks have resisted the need to switch their core systems, but how long can a financial institution continue to operate on a foundation of dust?

The Silicon Valley lender that caters to affluent millennials has ambitions to become a one-stop shopping destination for financial services.

Compliance flexibility, state law harmonization and funding transparency requirements are among the regulatory steps that can encourage continued innovation.

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.

Once millennials and tech-oriented consumers become the majority of banks’ customer base, disruption will cease to be just a threat. It will be a fact.

The Consumer Financial Protection Bureau sued four online tribal lenders on Thursday for illegally collecting debts in 17 states where they are prohibited by state usury or licensing laws.

With an ever-increasing number of unsecured devices connected to one another, the potential for cyberattackers to overwhelm any organization is a clear and present danger.