Jasmine Ni
- Indexed articles, last 90 days
- 16
- Latest publication
- Aug 18, 2026
- Outlet visibility, for National Mortgage News
- Top 5M sites
- Earliest in this view
- Jul 7, 2026
Latest articles
Tokenized deposits are here. Banks need to manage the risks. (opens the original)
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Banks have spent the past year racing to build tokenized deposit infrastructure, betting that on-chain finance is where the industry is headed. Now, one network is navigating what that bet on a system running 24/7/365 means for managing risk. Tokenized deposits — digital claims on a deposit held at a licensed depository institution and represented on a blockchain rather than a bank's internal ledger — have been all the rage among traditional financial institutions. An American Banker survey from
What small banks want from their vendors in the age of AI (opens the original)
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Community banks are facing a new fight in the age of artificial intelligence. As the industry's smallest firms lean harder on outside vendors to deploy AI, they're discovering their contracts lack clarity about data ownership, and have left cybersecurity gaps and fragmented oversight of an ever-lengthening chain of subcontractors. Community bankers say the fix will require both tighter vendor agreements and new regulatory standards to keep due-diligence burdens from overwhelming their institutio
New auto-loan volumes rise as credit standards weaken (opens the original)
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New auto-loan volumes hit a record high in the second quarter as lenders relaxed their underwriting standards, and the percentage of borrowers falling behind on their payments continued to rise. Auto-loan originations climbed to $211 billion, according to data released Tuesday by the Federal Reserve Bank of New York, which called it the highest quarterly volume on record. Outstanding auto-loan balances saw "solid growth" in the quarter, the New York Fed said, reaching $1.71 trillion, up $28 bill
Wells Fargo joins the fast-growing tokenized-deposit club (opens the original)
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Key insight: Wells Fargo is joining its big-bank peers in building blockchain-based payment infrastructure — with plans to expand the program to more clients, countries and currencies over the next year. What's at stake: Wells Fargo's move comes as banks race to hold their ground amid the competitive threat posed by stablecoins. Forward look: Experts say that without interoperability between banks' separate blockchain networks, the tokens could end up having limited real-world utility. Wells Far
How banks can stay ahead on financial advice in the AI era (opens the original)
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Artificial intelligence is challenging banks' long-standing role as the first and most trusted stop for financial advice. JD Power's July Banking and Payments Intelligence Report found that consumers facing affordability challenges are just as likely to turn to an open-source AI tool — such as Anthropic's Claude or OpenAI's ChatGPT — for financial guidance as they are their own bank or credit-card issuer. Overall, 34% of consumers credited AI as a trusted source for smarter financial decisions —
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