Digital banks dispute the notion that they can skimp on customer service because millennials are only shopping for low fees and high savings rates.

To compete with fintech startups, banks need to find more ways to use the mountains of data already at their disposal.

Moody's Investors Service downgraded JPMorgan Chase's prime jumbo mortgage originator assessment to its second-highest rating, citing the bank's growing reliance on correspondents with delegated underwriting authority and shortcomings in its technology infrastructure.

The agency says it will act independently of other regulators to release a notice asking for public input on revamping the decades-old law.

An OCC charter for fintechs requires firms to meet a “financial inclusion” standard instead of conventional Community Reinvestment Act requirements. That’s a problem.

The best thing a banker can do today is regard the U.K. as a real-world fintech laboratory, track developments closely and seek opportunities to capitalize on change, writes Naomi Bowman, managing director for Berkeley Research Group in London.

A solid software development life cycle method — a way of organizing the work of a software development team — can mean the difference between getting ahead in payments or falling behind, according to Chet Culver, director of application development at CardConnect.

Theodora Lau and Brad Leimer of Unconventional Ventures, Heather Holmes of Genivity and Marci Lobel-Esrig of SilverBills discuss fintech for older generations.

Thibault Fulconis recently became CFO of the digital banking venture Varo Money, which has applied for a national bank charter.

The Community Reinvestment Act can lower — not increase — bank credit availability in some low-income regions, and the OCC should reconsider holding fintechs to the same standards with its new charter.