BankThink

Branch of the Future Will Still Be a Branch

07/07/16

Fewer transactions are taking places in branches but banksÂ' brick-and-mortar locations are more important than ever.

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Morning Scan: Banks Take a Beating in the Markets

07/07/16

Receiving Wide Coverage ...

Buy low, sell high: If you're heavily invested in bank stocks, best to shut down your browser, step away from the computer and perhaps apply a cool compress to your forehead. It's ugly out there. Twenty of the world's biggest banks have lost a quarter of their combined market value since the beginning of the year, amounting to nearly half a trillion dollars, according to a Wall Street Journal analysis. Turns out...

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Banks Need to Adapt to Millennials, Not Vice Versa

07/06/16

Millennials, who alreadymake up a third of banked consumers in America, are used to transacting life in clicks and swipes. Institutions must embrace their needs now or risk extinction.

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Three Fintech Reforms the Government Must Champion

06/30/16

Attendees at the recent White House fintech summit shined a spotlight on shared innovation challenges. To overcome them and help the U.S. make progress in financial services, we need to embrace these three regulatory reforms.

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Morning Scan: Stress Tests Round Two; GE Capital No Longer a SIFI

06/30/16

Receiving Wide Coverage ...

Everybody breathe: That could have gone a whole lot worse. The Federal Reserve unveiled the results of the second part of its annual stress tests on Wednesday and just two banks failed – the U.S. units of Deutsche Bank and Banco Santander had their capital plans rejected. Both are repeat offenders that have had trouble with the exams in the past. ...

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Too Many Crypto Coin Crowd Sales Could Crowd Out True Innovators

06/29/16

The cryptocurrency ecosystem operates on the fringes of tradition, with "initial coin offerings" announced, discussed and carried out largely via online forums and without regulation. The phenomenon is high-risk and should be treated as such.

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Credit Scores Aren't Enough. It's Time for Financial Health Scores

06/29/16

Credit scores are useful in predicting the likelihood of whether someone will repay a loan. However, banks and others need to provide customers with another number that more accurately assesses their financial health.

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Morning Scan: More Stress Ahead ... From the Fed and Brexit

06/29/16

Receiving Wide Coverage ...

Big day: Banks could use some good news this week, but it remains to be seen whether there's any in sight. On Wednesday, the Federal Reserve will release the second part of its annual stress tests, which could prove a bright spot for some banks. The exams will determine how much capital they can return to shareholders through buybacks or dividends. ...

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Hensarling Bill Gives Credence to 'Capital Is King'

06/28/16

The legislation to reform the Dodd-Frank Act promotes the idea that the best defense against another crisis is simpler, higher capital requirements, not prescriptive regulations.

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Mobile Authentication Guide Is a Weak Half-Measure

06/28/16

Federal regulations Â-- including the FFIEC's recent mobile security guidelines Â-- have not kept pace with mobile innovation and the security risks users face from smartphone banking platforms.

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