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Produced by the editors of PaymentsSource, American Banker and Bank Technology News, Disruptors is a news and analysis feed focused on ideas, people and companies that have the potential to transform banking and financial services.
Bank Technology News
Bitcoin May Open Markets, Won't Hurt Incumbents: Citi Report
The bitcoin blockchain poses a negligible competitive threat to legacy institutions, but the technology could open up new markets for financial services, says a new report by Citigroup equities analysts.
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Bank Technology News
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. more »
Bank Technology News
Although intended to protect investors from market volatility, a decision by Betterment to temporarily suspend trading the morning after the British referendum has the wealth management industry wondering aloud if the robo-adviser harmed its reputation instead. more »
PaymentsSource
Bankers, fintech entrepreneurs, regulators and other financial services players gathered in New Orleans last week to discuss the future of the industry at SourceMedia's Digital Banking 2016 conference. Here are some of the highlights of the conference. For more, check out the hashtag #digibank16 on Twitter. more »
Bank Technology News
Chief Technology Officer David Reilly has had to make major reductions in traditional expenses so Bank of America can afford to collaborate with fintech firms that are developing innovative products the bank craves. more »
American Banker
For the first time, Ginnie Mae has edged out Freddie Mac as the second largest securitization platform. more »
Bank Technology News
The recent White House fintech summit was helpful in exposing companies to regulators, and vice versa, but we need to strengthen the lines of communications even more. more »
American Banker
Digital tools improve a bank's traditional sales process, but relationship-based banking is still a huge factor in winning over millennial customers. more »
Bank Technology News
Contrary to doom-and-gloom attitudes of some about banks' ability to compete for millennials' business, the industry will build on its history of innovation to meet the technology needs of future customers. more »
PaymentsSource
Microsoft is in the process of rolling out a mobile wallet for its small share of the smartphone market. But the company has been steadily developing this technology across much bigger platforms. more »
PaymentsSource
Who is Microsoft Wallet for? With just 1.6% of the U.S. smartphone market as of January, it's unlikely that even Microsoft believes Windows Phone users are a huge untapped audience for mobile payments. more »
PaymentsSource
Facebook is poking its fingers into a lot of seemingly unrelated businesses, but commerce is always at the heart of its efforts. Here are some ways Facebook is building a new foundation for payments. more »
Bank Technology News
A growing number of marketplace lenders and other fintech companies say they no longer use FICO scores or are using them in a limited way. The open question is whether their alternative methods will be more effective. more »
Bank Technology News
Nonbanks now set the digital banking experience bar, but in less than a decade large banks will have swallowed them up and will have become digital financial superstores. more »
Bank Technology News
The Bank of England is among the central banks exploring possible uses of blockchain technology. In a recent speech, a BOE official noted how it would open access to central banks beyond commercial banks. "Everyone – including individuals – would be able to hold such balances," he said. more »