Disruptors

Although much of banking is cautiously optimistic about the Trump presidency, the financial firms and organizations that serve the unbanked see the election as a mixed bag at best so far.

The way we buy today is already different than just a few years ago. In a decade, it will be totally transformed. Here is what every company must do to stay relevant and competitive in the coming decade of unprecedented disruption.

Chatter about bank-nonbank combinations pops up frequently, as it did in a low-profile way this week, but there are reasons you should be skeptical even in these anything-could-happen times.

JPMorgan Chase has partnered with the fintech firm Roostify to build a digital self-service mortgage platform.

Opus Bank has hired Scarlett Sieber, the former senior vice president in global business development at BBVA, to be its chief innovation officer.

By partnering with the matchmaking platform Opportunity Network, Citizens will be able to better connect corporate clients to deals worldwide.

If the new White House engages in the same process of listening to and researching the fintech industry that President Obama initiated eight years ago, startups should just take a pass.

2016 was very good to these financial services executives, who succeeded where others failed, sold their businesses for large sums, felt the love of regulators or could finally breathe a sigh of relief.

Now that the OCC has proposed a limited-purpose bank charter for fintech companies, a host of innovative new banks will soon flood the market — or maybe not.

Scandal, business models gone awry, missing money and executive shake-ups — 2016 had it all. Here are the financial services executives or groups of them who took the heat and will be looking for better times in 2017.