BankThink

Once artificial intelligence has eliminated all the human-driven volatility from financial markets, will there even be a reason to trade anymore?

Federal regulators' plan to dial back supervision of community banks is coming at a dangerous time. Rising climate risk creates unique vulnerabilities for small banks that regulators should be tracking.

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.

Two former chairmen of the Independent Community Bankers of America take issue with the trade group's decision to support legislation that would dramatically increase federal deposit insurance levels.

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.

Passing a federally mandated stress test is table stakes in risk management. Banks need to be proactive about designing and implementing stress tests that consider a wide range of scenarios, with a particular focus on tail risks.

Know-your-customer rules are a longtime fixture of bank compliance regimes, but as autonomous AI "agents" increasingly access banking systems, new rules for verifying their status are desperately needed.

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 administration's haphazard overhaul of financial regulatory bodies has produced confusion and uncertainty. What regulators should be prioritizing now is bringing a sense of stability to the industry.

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.