Consumer banking

The industry "as a whole" benefits from tech investments at megabanks, says Manuel Chinea, chief operating officer at Popular Community Bank. Big banks have taught consumers how to use new mobile features – and small banks can use that knowledge to their advantage, as they roll out new products.

Dennis Budinich, chief culture officer at Investors Bank, discusses the rise of chief culture officers and other nontraditional jobs in the banking industry.

In the conclusion of a three-part interview, Ryan Singer, a blockchain-tech entrepreneur, explains why bankers should care about Washington's resurgent efforts to insert back doors into security systems.

The hardest part of converting a thrift is establishing a "culture of high performance" and shareholder accountability, says Andrew Samuel, CEO at Sunshine Bancorp, in Plant City, Fla. Sunshine converted to a stock-owned company in July 2014.

Most consumers haven't developed a "muscle memory" for using mobile wallets, says Julie Pukas, head of U.S. bankcard and merchant services at TD Bank. It will simply take more time — and, more importantly, widespread merchant acceptance — before consumers feel comfortable paying with their phones.

Not all energy loans are created equal. For a host of reasons, oilfield services loans are more risky than other types of energy loans, according to Megan Snyder, an analyst with Moody's.

Activists typically improve a company's stock performance — and can produce "dramatic, excess returns" when they have specific demands, says Josh Hinkel, a partner with Bain & Co.