Mobile banking

The prospect of banks and credit unions meeting small-dollar loan demand is at risk under the Consumer Financial Protection Bureau's restrictive proposal.

As banks try to acquire new customers via digital channels, they should add content marketing strategies into their lineups.

Banks will likely take a wait-and-see approach before connecting their apps to Siri, Apple's talking digital assistant. Such conservatism poses risks as consumers increasingly demand the latest digital features.

Instead of fighting to own customer data, banks need to embrace a new model: becoming personal data banks that help customers do more than manage money.

If banks don't weigh in on an appropriate privacy standard, they risk letting outside events spark onerous new regulations.

Visa's Digital Commerce App is allowing banks to develop their own mobile wallets. Many of its clients are larger community banks that may not otherwise have the resources to develop such a product internally.

Nonbanks now set the digital banking experience bar, but in less than a decade large banks will have swallowed them up and will have become digital financial superstores.

PNC Financial Services Group has been named the official bank of the University of Kentucky, its 50th such partnership with a college or university.

Throw Cathy Bessant of Bank of America a question about a hot tech topic, and she's got answers. Blockchain? She loves it but is still waiting for its use case. Patents? The law is making us be aggressive. Swift? A call to action. And that's just the start.

Without the Consumer Financial Protection Bureau setting specific debt collection guidelines — including what technology agencies can use — the industry will continue a practice that harms consumers: lawsuits.