Opinions

There is a narrow window of opportunity for banks to position tokenized deposits as an alternative to stablecoins for customers seeking the convenience of cheap, blockchain-enabled payments.

Banks are beginning to engage with decentralized financial infrastructure. But until lawmakers create a foundation for allowing legally recognized entities like LLCs and nonprofits to govern these networks, compliance burdens will hinder full adoption.

Fintechs are wrong to demand wholesale consolidation of community banks in the U.S. Real innovation doesn't stem from wiping out smaller institutions or forcing consolidation. Innovation comes from fair competition, secure data protocols, and clear rules that apply equally to banks and fintechs of all sizes.

Passkey technology offers a superior method of authenticating customer identification, both in terms of convenience and security. It's time for banks to finally make the transition.

As AI makes financial scams more and more convincing, banks would do customers a real service by allowing them to opt in to dual approval of transactions above certain dollar limits.

Banks are struggling to integrate artificial intelligence into their operations, and one of the major stumbling blocks is regulatory uncertainty. Supervisors need to set clear rules of the road as soon as possible.

The supersonic Concorde was one of aerospace technology's greatest achievements. However, its ultimate commercial failure should be a lesson for those pushing AI into banking. Advanced technologies often develop faster than consumers' ability to benefit from them.

The debate over the "macro" questions about cryptocurrency in the U.S. has been largely settled. We're now entering the "micro" phase, where specific rules and regulations will be written to chart the industry's future.

The path to a fully digital banking future is paved by AI and the key to success lies in building trust among customers and delivering value through AI-powered experiences.

International banks and enterprising fintechs are flocking to Mexico in an effort to grab market share in Latin America's second-largest economy. But there is still room for a homegrown neobank to put down roots.