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    <title>Innovation</title>
    <link>https://www.americanbanker.com/tag/innovation</link>
    <description>Innovation</description>
    <language>en-US</language>
    <pubDate>Wed, 04 Mar 2026 19:43:09 GMT</pubDate>
    <dc:date>2026-03-04T19:43:09Z</dc:date>
    <dc:language>en-US</dc:language>
    <item>
      <title><![CDATA[ 'Software will get liberated': How to survive the SaaSpocalypse ]]></title>
      <link>https://www.americanbanker.com/news/software-will-get-liberated-how-to-survive-the-saaspocalypse</link>
      <description><![CDATA[ Banks like Grasshopper are already starting to use AI agents where in the past they would have bought software as a service.  ]]></description>
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      <category><![CDATA[ Artificial intelligence ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <category><![CDATA[ Software development ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Wed, 04 Mar 2026 19:43:09 GMT</pubDate>
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      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2026-03-04T19:43:09Z</dc:date>
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      <title><![CDATA[ The $80T Question: TradFi, Gen Z and the Pursuit of a Digital-Asset Wealth Strategy ]]></title>
      <link>https://www.americanbanker.com/leaders/the-80t-question-tradfi-gen-z-and-the-pursuit-of-a-digital-asset-wealth-strategy</link>
      <description><![CDATA[ Nancy Beaton, President of Uphold U.S. and CRO/CMO of Uphold Ambre Soubiran, CEO, Kaiko Raghav Chopra, Managing Partner, Tephra Digital Moderator: Holly Sraeel  ]]></description>
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      <category><![CDATA[ Leaders ]]></category>
      <category><![CDATA[ On-Chain Finance ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Fintech ]]></category>
      <pubDate>Tue, 16 Sep 2025 22:02:12 GMT</pubDate>
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      <dc:date>2025-09-16T22:02:12Z</dc:date>
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    </item>
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      <title><![CDATA[ The semantic layer: From insights to AI innovation ]]></title>
      <link>https://www.americanbanker.com/web-seminars/the-semantic-layer-from-insights-to-ai-innovation</link>
      <description><![CDATA[ Join us to learn what it looks like to transform your data platform to a logical data platform and how it's accelerating business insights, improving agility, and building a foundation for the future of AI.  ]]></description>
      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Thu, 04 Sep 2025 18:53:08 GMT</pubDate>
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      <dc:date>2025-09-04T18:53:08Z</dc:date>
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      <title><![CDATA[ FDIC's Gruenberg warns of risks associated with 'innovation'  ]]></title>
      <link>https://www.americanbanker.com/news/fdics-gruenberg-warns-of-risks-associated-with-innovation</link>
      <description><![CDATA[ In what is likely his final speech before resigning as chair of the Federal Deposit Insurance Corp., Martin Gruenberg warned that novel products and services heralded as "innovation" often lead to financial crises without appropriate attention to market and supervisory fundamentals.  ]]></description>
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      <category><![CDATA[ FDIC ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <pubDate>Tue, 14 Jan 2025 23:31:04 GMT</pubDate>
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      <dc:creator>John Heltman</dc:creator>
      <dc:date>2025-01-14T23:31:04Z</dc:date>
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      <title><![CDATA[ Trump win unlikely to stop the crackdown on BaaS and fintech ]]></title>
      <link>https://www.americanbanker.com/news/trump-win-unlikely-to-stop-the-crackdown-on-baas-and-fintech</link>
      <description><![CDATA[ Tough exams and consent orders on banks that partner with fintechs are expected to remain, even after the election of President Trump.  ]]></description>
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      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Fri, 08 Nov 2024 20:38:07 GMT</pubDate>
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      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2024-11-08T20:38:07Z</dc:date>
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      <title><![CDATA[ American Banker's Innovators of the Year 2024: How to apply ]]></title>
      <link>https://www.americanbanker.com/news/american-bankers-innovators-of-the-year-2024-how-to-apply</link>
      <description><![CDATA[ Bank technologists and fintech leaders who are bringing fresh ideas to life will be considered for this annual award.  ]]></description>
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      <pubDate>Mon, 08 Jan 2024 18:37:50 GMT</pubDate>
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      <dc:date>2024-01-08T18:37:50Z</dc:date>
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      <title><![CDATA[ What does true disruption and innovation look like in 2024? ]]></title>
      <link>https://www.americanbanker.com/leaders/neesha-hathi-managing-director-head-of-wealth-advice-solutions-at-charles-schwab-on-new-innovations-in-wealth-planning</link>
      <description><![CDATA[ What is digital disruption in 2024? Neesha Hathi, shares how Charles Schwab is taking innovation to the next level in wealth management  ]]></description>
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      <category><![CDATA[ Leaders ]]></category>
      <category><![CDATA[ Wealth management ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Thu, 12 Oct 2023 01:13:51 GMT</pubDate>
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      <dc:date>2023-10-12T01:13:51Z</dc:date>
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      <title><![CDATA[ Banks looking to innovate want help from AI: Survey ]]></title>
      <link>https://www.americanbanker.com/news/banks-looking-to-innovate-want-help-from-ai-survey</link>
      <description><![CDATA[ A recent survey of financial institutions found that for smaller banks and credit unions, customer experience is once again a top priority and among all banks, the interest in advanced AI is higher than ever.  ]]></description>
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      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Artificial intelligence ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Wed, 04 Oct 2023 19:33:47 GMT</pubDate>
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      <dc:creator>Carter Pape</dc:creator>
      <dc:date>2023-10-04T19:33:47Z</dc:date>
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      <title><![CDATA[ Don't classify earned wage access programs as consumer loans ]]></title>
      <link>https://www.americanbanker.com/opinion/dont-classify-earned-wage-access-programs-as-consumer-loans</link>
      <description><![CDATA[ California regulators are suggesting that programs that allow workers fee-free access to their earnings between pay periods should be treated as loan products. That's wrong and short-sighted.  ]]></description>
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      <category><![CDATA[ Payments ]]></category>
      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Debt ]]></category>
      <category><![CDATA[ Payday lending ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Compensation ]]></category>
      <category><![CDATA[ Lending ]]></category>
      <pubDate>Tue, 20 Jun 2023 17:26:17 GMT</pubDate>
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      <dc:creator>Penny Lee</dc:creator>
      <dc:date>2023-06-20T17:26:17Z</dc:date>
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    <item>
      <title><![CDATA[ Haphazard crypto regulation is driving innovation offshore ]]></title>
      <link>https://www.americanbanker.com/opinion/haphazard-crypto-regulation-is-driving-innovation-offshore</link>
      <description><![CDATA[ If the U.S. and Canada don't develop a coherent framework for regulating the industry, North America risks broader losses to other growing industries, like fintech and artificial intelligence.  ]]></description>
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      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Regulating Crypto ]]></category>
      <category><![CDATA[ Cryptocurrency ]]></category>
      <category><![CDATA[ Bitcoin ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Mon, 12 Jun 2023 14:00:00 GMT</pubDate>
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      <dc:creator>Dmitry Gooshchin</dc:creator>
      <dc:date>2023-06-12T14:00:00Z</dc:date>
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      <title><![CDATA[ Should you swipe left on that fintech? Startups help banks vet firms. ]]></title>
      <link>https://www.americanbanker.com/news/should-you-swipe-left-on-that-fintech-startups-help-banks-vet-firms</link>
      <description><![CDATA[ True Digital and TechPassport help banks assess and monitor fintech vendors and partners.  ]]></description>
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      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Wed, 08 Mar 2023 20:40:36 GMT</pubDate>
      <guid isPermaLink="false">00000186-c2e9-dfaa-a19e-e7ed54d30001</guid>
      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2023-03-08T20:40:36Z</dc:date>
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      <title><![CDATA[ PNC scores a win in battle with USAA over mobile check deposit patents ]]></title>
      <link>https://www.americanbanker.com/news/pnc-scores-a-win-in-battle-with-usaa-over-mobile-check-deposit-patents</link>
      <description><![CDATA[ The Patent Trial and Appeal Board has invalidated three patents owned by USAA, and some think this could be a turning point in ongoing patent litigation, in which USAA has already won more than $500 million from Wells Fargo and PNC.  ]]></description>
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      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Fri, 03 Feb 2023 18:40:18 GMT</pubDate>
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      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2023-02-03T18:40:18Z</dc:date>
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      <title><![CDATA[ Bank of America continues patent pile-up ]]></title>
      <link>https://www.americanbanker.com/news/bank-of-america-continues-patent-pile-up</link>
      <description><![CDATA[ The bank received 341 technology patents in the first half of the year and says it has more patents than any other financial services company. However, executives have acknowledged that they aren't all usable.  ]]></description>
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      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <category><![CDATA[ Bank of America ]]></category>
      <pubDate>Wed, 07 Sep 2022 17:47:59 GMT</pubDate>
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      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2022-09-07T17:47:59Z</dc:date>
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      <title><![CDATA[ RBC looks beyond Toronto for tech hires in tight labor market ]]></title>
      <link>https://www.americanbanker.com/articles/rbc-looks-beyond-toronto-for-tech-hires-in-tight-labor-market</link>
      <description><![CDATA[ The bank’s current focus is on its Calgary innovation hub, where it’s looking to reach 300 employees by the end of next year.  ]]></description>
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      <category><![CDATA[ Recruiting ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Workforce management ]]></category>
      <pubDate>Tue, 21 Jun 2022 18:32:13 GMT</pubDate>
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      <dc:date>2022-06-21T18:32:13Z</dc:date>
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    <item>
      <title><![CDATA[  7 tips for innovators ]]></title>
      <link>https://www.americanbanker.com/list/7-tips-for-innovators</link>
      <description><![CDATA[ At the Digital Banking Conference in Austin, Texas, speakers shared advice on technology upgrades, digital leadership and letting go of fear.  ]]></description>
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      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Tue, 21 Jun 2022 01:00:00 GMT</pubDate>
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      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2022-06-21T01:00:00Z</dc:date>
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    <item>
      <title><![CDATA[ Innovation Readiness 2022: The Innovation Evolution ]]></title>
      <link>https://www.americanbanker.com/report/innovation-readiness-2022-the-innovation-evolution</link>
      <description><![CDATA[ As much as consumers’ financial services needs have evolved in the last two years, so have executives’ demands and expectations of their innovation initiatives.  ]]></description>
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      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Wed, 01 Jun 2022 18:51:24 GMT</pubDate>
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      <dc:date>2022-06-01T18:51:24Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Hey, CFPB: There's a reason fintechs have exploded in popularity  ]]></title>
      <link>https://www.americanbanker.com/opinion/hey-cfpb-theres-a-reason-fintechs-have-exploded-in-popularity</link>
      <description><![CDATA[ In order to align financial policy with the interests of consumers, the agency should consider why these services have caught on — and remember to keep a lane open for innovation.  ]]></description>
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      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <category><![CDATA[ CFPB News & Analysis ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <pubDate>Wed, 11 May 2022 14:51:56 GMT</pubDate>
      <guid isPermaLink="false">00000180-b348-dc43-abd0-b36c6f1f0000</guid>
      <dc:creator>Adam Kovacevich</dc:creator>
      <dc:date>2022-05-11T14:51:56Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Patience wears thin in Wyoming as crypto banks await Fed approval ]]></title>
      <link>https://www.americanbanker.com/news/patience-wears-thin-in-wyoming-as-crypto-banks-await-fed-approval</link>
      <description><![CDATA[ Custodia Bank (formerly Avanti Bank) and Kraken Bank have been in a holding pattern for two and a half years as they wait for Federal Reserve master accounts.  ]]></description>
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      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <category><![CDATA[ Cryptocurrency ]]></category>
      <pubDate>Mon, 25 Apr 2022 18:56:39 GMT</pubDate>
      <guid isPermaLink="false">00000180-61b0-d740-a1c4-73b76bfc0001</guid>
      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2022-04-25T18:56:39Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Truist, TD join group that pushes back on patent aggression ]]></title>
      <link>https://www.americanbanker.com/news/truist-td-bank-join-group-that-pushes-back-on-patent-aggression</link>
      <description><![CDATA[ The Open Invention Network is trying to protect members’ technology from costly infringement cases.  ]]></description>
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      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Wed, 20 Apr 2022 01:00:00 GMT</pubDate>
      <guid isPermaLink="false">00000180-43e9-d60f-a1f2-d7f995590001</guid>
      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2022-04-20T01:00:00Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Don’t discount the importance of regulatory sandboxes for fintechs ]]></title>
      <link>https://www.americanbanker.com/opinion/dont-discount-the-importance-of-regulatory-sandboxes-for-fintechs</link>
      <description><![CDATA[ A growing chorus of voices seems to share the view of former New York banking regulator Maria Vullo, who once said, “Toddlers play in sandboxes. Adults play by the rules.” But any movement away from the collaborative development of regulations for new financial services products would be a setback for consumer choice.  ]]></description>
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      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Innovation ]]></category>
      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Fintech regulations ]]></category>
      <pubDate>Mon, 21 Mar 2022 15:43:45 GMT</pubDate>
      <guid isPermaLink="false">0000017f-ad0c-de90-adff-efde2ef10001</guid>
      <dc:creator>Daniel Gorfine</dc:creator>
      <dc:creator>Laura Navaratnam</dc:creator>
      <dc:date>2022-03-21T15:43:45Z</dc:date>
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