Alex Jimenez

Why do banks fail? Study finds insolvency is the true killer Bank runs are only the final symptom of a much deeper malady, according to a new study.

Why do banks fail? Study finds insolvency is the true killer

There were more than 4,000 bank runs from 1863 to 1934, but those that happened at solvent lenders almost never caused a failure.

www.americanbanker.com/news/why-do-...

#FinTech #FinServ #Banking

How B2B payment automation threatens banks Fintechs and the technology behind cryptocurrency are becoming popular, putting trillions in transaction value at risk for banks, according to Accenture.

How B2B payment automation threatens banks

Up to $13 trillion in transaction value could move to emerging payment rails in the next four years.

www.americanbanker.com/payments/new...

#FinTech #FinServ #Banking #Payments #PayTech

White House Cybersecurity Strategy Is Light on Details, Big on Consequences The policy, which name-checks President Trump 15 times, aims to hit cyber adversaries first and 'use all instruments of national power to raise the costs for their aggression.'

White House #Cybersecurity Strategy Is Light on Details, Big on Consequences

The policy, which name-checks President Trump 15 times, aims to hit cyber adversaries first and 'use all instruments of national power to raise the costs for their aggression.'

www.pcmag.com/news/white-h...

#Kakistocracy

'Carpetbagging' out of state banks are a drain on Florida's resources Branchless and out-of-state banks are harvesting deposits in Florida and lending them out elsewhere, a situation that leads to serious underinvestment in desperately needed infrastructure and…

Miami's newest billionaire residents are paying big bucks for their megamansions. A surtax on homes costing $1 million or more could flow into an affordable housing fund, suggests Ken Thomas.

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#FinTech #FinServ #Banking

AI is getting scary good at finding hidden software bugs - even in decades-old code But AI also creates bugs - about 1.7 times as many as humans, including critical and major issues.

#AI is getting scary good at finding hidden software bugs - even in decades-old code

But AI also creates bugs - about 1.7 times as many as humans, including critical and major issues.

www.zdnet.com/article/ai-f...

#Tech #CyberSecurity

Western Alliance sues Jefferies for $126M in First Brands fallout The Phoenix-based bank said that affiliates of Jefferies had stayed current on the loan agreement until last week. The suit is the latest example of private credit-related problems at banks.

Western Alliance sues Jefferies for $126M in First Brands fallout

Western Alliance believes it will win its suit against Jefferies and recover the full $126 million, but said the legal process will take time to resolve.

www.americanbanker.com/news/western...

#FinTech #FinServ #Banking

DOJ, Halkbank agree to end Iran sanctions case The Turkish lender would have to hire a monitor to review the bank’s compliance with U.S. anti-money laundering and sanctions policy as part of a deferred prosecution agreement, which a judge must…

DOJ, Halkbank agree to end Iran sanctions case

The Turkish lender would have to hire a monitor to review the bank’s compliance with U.S. anti-money laundering and sanctions policy in a deferred prosecution agreement, which a judge must sign.

buff.ly/makOHmo

#FinTech #FinServ #Banking

Zions' revamped tech leadership team eyes AI, stablecoins The Salt Lake City-based regional bank has elevated two executives following the departure of longtime Chief Technology and Operations Officer Jennifer Smith.

Zions' revamped tech leadership team eyes AI, #Stablecoins

U.S. regional banks, including Zions, are trying to keep up with larger institutions that are making big investments in AI and digital assets.

www.americanbanker.com/news/zions-r...

#FinTech #FinServ #Banking

TransUnion fires latest volley in credit-score price war TransUnion cuts VantageScore 4.0 to $0.99, aiming to boost lender choice and affordability as FHFA pushes mortgage score modernization and competition.

TransUnion has further slashed its mortgage origination price for VantageScore 4.0, a metric the government-related secondary market is seeking to promote as an alternative to traditional measures available from FICO.

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#FinTech #FinServ #Banking

Too friendly to rob, and other tales from a 200-year-old bank One of the oldest banks in the country refuses to lose sight of its community identity.

Too friendly to rob, and other tales from a 200-year-old bank

One of the oldest banks in the country refuses to lose sight of its community identity.

www.bankingdive.com/news/too-fri...

#FinTech #FinServ #Banking

Zerohash is latest crypto firm to apply for a trust charter The digital asset company, currently partnered with firms like Morgan Stanley and One Pay, is seeking its own national trust bank charter from the OCC.

Zerohash is latest crypto firm to apply for a trust charter

Expect additional crypto trust charter applications, and approvals, from the OCC in the coming weeks and months.

www.americanbanker.com/news/zerohas...

#FinTech #FinServ #Banking

Bad creative kills an agency pitch faster than a mismatched budget

Creative quality is the top reason North American marketers pass on a new agency, cited by 55% of respondents, nearly 7 points ahead of category experience (48%)

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#DigitalMarketing

Inside the $16.6B fight to stop America's scam epidemic A House subcommittee debated new legislation to improve bank data sharing and slow down transactions to thwart sophisticated financial scams.

Inside the $16.6B fight to stop America's scam epidemic

Both parties agree that while banks bear the brunt of mitigation efforts, scams usually originate elsewhere, such as on social media or telecommunications networks.

www.americanbanker.com/news/inside-...

#FinTech #FinServ #Banking

AWS leaps into agentic payments Amazon Web Services, the tech giant’s cloud computing network, is gearing up for armies of AI-powered agents and transactions.

AWS leaps into #AgenticPayments

Amazon Web Services, the tech giant’s cloud computing network, is gearing up for armies of AI-powered agents and transactions.

www.paymentsdive.com/news/aws-lea...

#FinTech #FinServ #Banking #Payments #PayTech #AgenticAI #AI

Oregon on the verge of closing interest rate 'loophole' The Beaver State is poised to opt out of a federal law that poked a hole in its interest rate cap, joining a growing list of states to reassert their authority over consumer loan rates.

Oregon on the verge of closing interest rate 'loophole'

A newly passed bill in Oregon will block out-of-state lenders from evading its cap on interest rates.

www.americanbanker.com/news/oregon-...

#FinTech #FinServ #Banking

Why ARMs are rising even as rates drift lower In the highest-priced housing markets, some buyers see adjustable-rate mortgages as the only loan they may initially qualify for, Cotality found.

In spite of downwardly trending rates last year, adjustable-rate mortgage volumes increased, defying traditional logic that has been "turned upside down," according to analysis from Cotality.

www.nationalmortgagenews.com/news/why-arm...

#FinTech #FinServ #Banking

Par Tech faces investor pressure One of the point-of-sale software company’s largest shareholders began urging it to consider “strategic alternatives,” such as a sale, last week.

Par Tech faces investor pressure

One of the point-of-sale software company’s largest shareholders began urging it to consider “strategic alternatives,” such as a sale, last week.

www.paymentsdive.com/news/par-tec...

#FinTech #FinServ #Banking #Payments #PayTech

Nasdaq partners with Kraken for its tokenized stock plans Nasdaq announced its partnership with the crypto exchange as part of an initiative for 24/7 trading that is pending regulatory approval from the SEC.

Nasdaq partners with Kraken for its tokenized stock plans

"Partnerships with digital asset pioneers give Wall Street giants access to the underlying infrastructure without having to build it." —Coin Bureau's Nic Puckrin

www.americanbanker.com/news/nasdaq-...

#FinTech #FinServ #Banking

Clarity Act stokes debate on crypto The bill aims to identify which agencies should regulate digital currencies.

Clarity Act stokes debate on crypto

The bill aims to identify which agencies should regulate digital currencies.

www.paymentsdive.com/news/clarity...

#FinTech #FinServ #Banking #CryptoCurrency

How Revolut plans to boost business banking in the US The London-based neobank plans to invest $500 million in the U.S. over the next few years amid stiff competition from fintechs, other neobanks and legacy banks.

How Revolut plans to boost business banking in the US

The neobank faces stiff competition in the U.S. from fintechs, other neobanks and legacy banks.

www.americanbanker.com/payments/new...

#FinTech #FinServ #Banking

LexisNexis hit by second data breach in two years Cybercriminals say they stole sensitive records by exploiting an unpatched vulnerability known as React2Shell and using the password Lexis1234.

LexisNexis hit by second data breach in two years

Threat group FulcrumSec claims to have exfiltrated 2.04 gigabytes of data from LexisNexis Legal & Professional in late February.

www.americanbanker.com/news/lexisne...

#FinTech #FinServ #Banking

The Fed wants to let a dangerous asset loose on bank balance sheets Mortgage servicing rights are one of the most notoriously volatile assets in financial markets. The Federal Reserve's plan to loosen their capital treatment could foretell major problems in the…

The Fed wants to let a dangerous asset loose on bank balance sheets

Mortgage servicing rights are one of the most notoriously volatile assets in financial markets. The Fed’s plan to loosen their capital treatment could foretell major problems.

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#FinTech #FinServ #Banking

For Gen Z, a streaming subscription is a one-show commitment

80% of Gen Z video streaming users (ages 18-29) have signed up for a service to watch specific content, then canceled or paused after finishing

content-na1.emarketer.com/gen-z--strea...

#DigitalMarketing

Illinois community bank fires its chief financial officer Midland States Bancorp had struggled in 2025 with accounting-related issues and bottom-line losses.

Illinois community bank fires its chief financial officer

Midland States' decision to dismiss veteran CFO Eric Lemke comes as its turnaround program appears to be gaining traction.

www.americanbanker.com/news/illinoi...

#FinTech #FinServ #Banking

Most employees using #AI are saving less than half a workday per week

68% of AI-using employees in the UK and North America save 4 hours or less per week from AI

content-na1.emarketer.com/most-employe...

#Tech

Robinhood Platinum Card launches with $3,000+ in value. How does it compare to the Amex Platinum? The Robinhood Platinum's $695 annual fee and numerous statement credits might not fit every wallet.

Robinhood Platinum Card launches with $3,000+ in value. How does it compare to the Amex Platinum?

www.cnbc.com/select/robin...

#FinTech #FinServ #Banking #Payments #PayTech

Mystery packages are showing up on American doorsteps with QR codes on them and the FBI says it is a trap If you find a package with one of these QR codes on your doorstep, you might be about to be scammed, according to the FBI, so here's what to do

Mystery packages with QR codes are showing up on doorsteps. This is exactly why QR codes have always been risky. They hide the destination, making #Phishing and #Malware delivery easy. Curiosity does the rest.

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#CyberSecurity

SoFi’s stablecoin joins Mastercard’s network The card company is fulfilling its ambitions to bring more stablecoins into its payment network.

SoFi’s #Stablecoin joins Mastercard’s network

The card company is fulfilling its ambitions to bring more stablecoins into its payment network.

www.paymentsdive.com/news/sofis-s...

#FinTech #FinServ #Banking #Payments #PayTech

Visa, Mastercard jockey to set agentic standards The card networks are locking arms with big tech players and digital payments to shape the evolving agentic commerce ecosystem.

Visa, Mastercard jockey to set agentic standards

The card networks are locking arms with big tech players and digital payments startups to shape the evolving #AgenticCommerce ecosystem.

www.paymentsdive.com/news/visa-ma...

#FinTech #FinServ #Banking #Payments #PayTech #AI

What do banks owe victims of romance scams? Romance scams and other "pig butchering" frauds are growing rapidly. Should banks refund the stolen money? Not all agree on the answer to that question.

What do banks owe victims of romance scams?

Should banks make customers whole after they fall for long-term scams that sometimes customers refuse to see?

www.americanbanker.com/opinion/what...

#FinTech #FinServ #Banking