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- Indexed articles, last 90 days
- 6
- Latest publication
- Sep 18, 2026
- Outlet visibility, for American Banker
- Top 1M sites
- Earliest in this view
- Jul 6, 2026
Latest articles
Banks are falling behind on payment speed, cost (opens the original)
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Consumers are frustrated by the fragmented peer-to-peer, or P2P, payment landscape, according to a survey by American Banker's Market Intelligence team. Seventy five percent of respondents want payment apps to work seamlessly together, while 57% maintain multiple apps just to reach different recipients. The friction doesn't end with managing multiple logins; it extends to the cost of moving money. Despite the promise of faster payments, most consumers are still stuck regularly paying instant tra
Banks are derisking balance sheets, cutting crypto, exclusive survey finds (opens the original)
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Banks are reducing risk across their balance sheets and crypto is a prime target, according to a proprietary American Banker Market Intelligence survey of risk and compliance professionals at banks and credit unions. The data revealed that six in 10 financial institutions are scaling back risk exposure in at least one asset class. Digital assets led the retreat with 26% of institutions derisking. The findings also indicate that banker caution stems from a preference for clear, predictable regula
The 'FDIC illusion': Consumer trust in nonbanks outpaces reality (opens the original)
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Consumers aren't always aware that the Federal Deposit Insurance Corporation does not insure nonbanks and fintechs, creating risks for the financial services industry. To safeguard the financial ecosystem from systemic risk, banks must actively address vulnerabilities arising from misleading deposit insurance claims, an issue recently highlighted by fintech insolvencies. This "FDIC illusion" is the core of the systemic vulnerability. Driven by marketing highlighting "federally chartered bank" pa
The oversight gap: Banks must ramp up internal protections in a deregulatory climate (opens the original)
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The U.S. financial system is embarking on a pivotal experiment: accelerating the deployment of novel payment models while stripping down the supervisory guardrails designed to monitor them. Following the recent surge in bank charter applications, fintechs are transitioning from lucrative bank partners into competitors with a lower regulatory burden. The onus is now on traditional financial institutions to defend the sector from growing structural vulnerability where novel operational failures ca
Three ways banks can defend themselves against the fintech charter boom (opens the original)
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Regional banks may need to reevaluate their fintech relationships as their key partners turn into fully chartered, direct competitors. The influx of new U.S. bank charter applications — the most since before the 2008 financial crisis — marks a significant structural shift in banking. That leaves regional banks uniquely exposed. Many regional and community institutions rely on sponsor bank economics, with sponsor banks attributing as much as 51% of their revenue and deposits to embedded finance p
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Top 1M sites
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