Technology

The lender traps consumers in an "exploitative cycle of debt," Brandon Scott said.

As artificial intelligence is integrated into more and more core banking operations, bank boards of directors need to make sure business continuity plans account for the possibility of AI system failures.

Articles about the AI deployments of big banks and of scammers generated clicks from American Banker readers.

Fintechs sought to acquire the rights and privileges of bank charters in various ways this year, from de novo applications to buying up banks.

The year was marked with six state regulations, new entrants, product and market expansion from existing EWA providers and buy-in from investors.

The fintech IPO drought ended this year with several large public exits by firms such as Chime, Klarna and Circle.

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.

As stablecoins become an increasingly prominent feature of the financial landscape, Noelle Acheson gives us her top five trends to watch out for.

Stories about data breaches, fraud and one neobank were reader favorites this year.

Consumer appetite for mobile wallets is growing, challenging banks to innovate to stay ahead.