BankThink

In @AmerBanker @BankThink, @NoelleinMadrid outlines how offering stablecoin custody could put U.S. banks on the road to developing “super-apps” on the scale of China’s Alipay and WeChat. americanbanker.com/opinion/stable…

In a Letter to the Editor, @JimNussle , President & CEO of America's Credit Unions, highlights how credit unions make every dollar of CDFI funding count. americanbanker.com/creditunions/o… #CreditUnionDifference #CDFIFund #Economics

Whether they plan on it or not, most managers will at some point find themselves in a bubble that bad news fails to penetrate. The best leaders are the ones actively trying to burst it, writes Dave Martin, of @BankMechanics, in @AmerBanker @BankThink. americanbanker.com/opinion/bankin…

Banks should take a page from the health sciences' playbook and use artificial intelligence to “nudge” consumers away from transactions that have the characteristics of known fraud schemes, writes Michal Tresner, of ThreatMark, in @AmerBanker @BankThink. americanbanker.com/opinion/ai-fra…

americanbanker.com/opinion/credit… Congress should hold hearings to investigate whether credit unions really qualify to operate as tax-advantaged Community Development Financial Institutions, writes @RyanLEllis, of @CFEconomy, in @AmerBanker @BankThink.

americanbanker.com/payments/opini… In @AmerBanker @BankThink, @NoelleinMadrid writes that new blockchains from @Circle and @Stripe are about more than customization and control over the features. They’re about redistributing power across the payments landscape.

americanbanker.com/opinion/banks-… As bank regulators work to create a more transparent and effective supervisory process, they should overhaul the process for appealing their rulings to add challenges to enforcement actions, writes Brendan Clegg, of @LuseLaw, in @AmerBanker @BankThink.

americanbanker.com/opinion/how-mu… Who owns bank customers’ data? It’s a murky legal question, and answering it will determine the relationship between banks and fintechs in a future of open banking, writes @GeneLudwig, of Ludwig Advisors, in @AmerBanker @BankThink.

americanbanker.com/opinion/stable… Well-regulated stablecoins will open the door to a wide range of financial activities, including 24/7 global markets for any asset class imaginable. Traditional banks should take note, writes @DiogoMonica, of @HaunVentures and @Anchorage, in @BankThink.

americanbanker.com/opinion/bank-f… The CFPB must unequivocally state that consumers own their financial data and prohibit financial institutions from monetizing access to it. No one should dictate with whom consumers can share their data, writes Dan Quan, of Nevcaut Ventures, in @BankThink

In @AmerBanker @BankThink, Ken Thomas looks back on the junk bond era and its impact on the U.S. Savings and Loan industry. bit.ly/4oxBMfV

Slashing capital requirements for the largest banks reveals that the Federal Reserve’s priorities are not with community banks. This will make it harder for small banks to compete with their larger peers, writes Adam Turmakhan in @AmerBanker @BankThink. bit.ly/4fsrWrH

In @AmerBanker @BankThink, @NoelleinMadrid highlights how last week’s White House crypto document and the SEC’s announced Project Crypto are not just about supporting digital assets — they’re also about an overhaul of traditional finance. bit.ly/45f9KwQ

As stablecoins and related products gain traction in the U.S., bankers are going to have to face the fact that their current AML controls simply aren’t up to the task anymore, writes David DeLeon, of @Accenture, in @AmerBanker @BankThink. bit.ly/40SPD6s

Banks would face higher assessments to bring the Deposit Insurance Fund’s reserve ratio into compliance. Costs would be reflected in higher fees and reduced availability of credit, writes @DanielSavickas, of @ProtecTaxpayers, in @AmerBanker @BankThink. bit.ly/40TLu2c

americanbanker.com/opinion/this-i… Treasury’s Office of Financial Research OFR was created for moments like this, when financial innovation accelerates and uncertainty builds. This is no time to slash its personnel, writes Greg Feldberg, of @YaleSOM, in @AmerBanker @BankThink.

A huge percentage of Americans, particularly Gen Z and millennials, score poorly on financial literacy tests, with predictable consequences. AI-powered agents would help empower them, writes Scott Smith, of Fizz, in @AmerBanker @BankThink. americanbanker.com/opinion/ai-is-…

Countries around the world are retreating from the economic integration that drove growth in the post-Cold War era. The result will be an unnecessary hindrance of progress, writes Alex Tsepaev, of @B2PRIME, in @AmerBanker @BankThink. americanbanker.com/opinion/creepi…

The insights of frontline employees can be invaluable tools for improving a bank’s operations. It’s up to executives to get out of the office and listen to what they have to teach them, writes Dave Martin, of @BankMechanics, in @AmerBanker @BankThink.bit.ly/3I8AAis