Know What's Happening in Banking
Know What's Happening in Banking
IndusInd Bank sees deposits dip 2.6% YoY while advances fall 8.7% in Q4FY26
IndusInd Bank reported total deposits of ₹4,00,178 crore, down 2.6% year‑on‑year, and net advances of ₹3,15,154 crore, down 8.7% YoY. Deposits rose 1.6% sequentially, indicating a modest recovery amid a cautious lending environment.
Also developing:
By the numbers: Huntington Bancshares completes Cadence Bank acquisition
Interchange fees have long been the backbone of fintech revenue, offering a low‑friction, volume‑driven income stream that scales with every card transaction. Recent filings from Block, PayPal and Shopify reveal a strategic pivot: interchange is now treated as baseline infrastructure rather than a primary growth lever. These firms are increasingly emphasizing subscription models, value‑added services, and recurring relationships to boost margins. Investor sentiment is shifting toward these non‑transactional revenue sources, signaling a broader industry transformation.
US AI framework shifts testing burden onto banks “Rather than prescribing detailed rules, the framework signals a model where responsibility for ensuring AI systems are safe, reliable and compliant shifts more directly onto organisations deploying them, with testing, validation and...
The European Banking Authority’s Q4 2025 Risk Dashboard confirms that the EU‑EEA banking sector remains well‑capitalised and liquid despite heightened geopolitical risk from the Middle East conflict. Direct exposure to the region totals €132 bn, less than 0.5 % of banks’ assets, while...
Financial institutions are deploying AI‑powered tools to augment call‑center agents, delivering real‑time information, response suggestions, and automation of routine tasks. This technology addresses the sector’s regulatory complexity and product personalization demands, enabling faster, more accurate, and tailored customer interactions. While...
Small businesses increasingly make financial decisions within daily workflow platforms, pushing banks to a reactive role. As banks remain product‑centric and slow, they lose influence despite holding accounts. The article defines "relationship sovereignty" as embedding banking services early in these...
California Coast Credit Union CEO Todd Lane is embroiled in a rare, combative merger dispute with San Diego County Credit Union (SDCCU). After SDCCU attempted to renegotiate the April 2025 deal and install its own CEO, Cal Coast sued, alleging breach of the...
South Africa’s open‑banking ecosystem is expanding, driven by a market‑led approach that has enabled fintechs such as Yoco, Lulalend and MTN MoMo to reach new customers. A Reserve Bank working paper warns that this model favours middle‑aged, educated users and leaves...
Discovery Bank is transforming its mobile platform into a "super app" that merges banking with health, insurance, investment and lifestyle services across the Discovery Group. AI underpins the experience, delivering a virtual financial assistant, real‑time fraud alerts and personalised nudges...
Santander’s payments arm Getnet has launched its digital payments platform in Colombia, extending its pan‑Latin American network. The service offers a unified API‑based Single Entry Point that lets merchants connect once and operate across multiple markets, while also providing banking,...
A PYMNTS Intelligence study of 15,110 U.S. consumers finds 19% have fallen victim to a financial scam in the last five years. Nearly two‑thirds of those scams result in payments within 24 hours, highlighting the power of urgency. Victims who...
Bridge Data Centres, owned by Bain Capital, is negotiating a loan of up to $6 billion, which would rank among the largest data‑center financings in Asia. The proposed facility is expected to have a 12‑month tenor. Proceeds are earmarked for expanding...
The Central Bank of the UAE approved a five‑pillar Financial Institution Resilience Package to fortify the banking sector amid heightened geopolitical risk and volatile markets. The framework expands access to reserve balances up to 30% of the cash reserve requirement...
The Bangko Sentral ng Pilipinas (BSP) reports that more Philippine banks are integrating ESG into governance and risk management, complying with BSP Circular No. 1085 which mandates environmental and social risk management systems. The rule, issued in 2020, gives banks...
Ghana announced a new policy that will block any Ghana Card linked to multiple mobile‑money (MoMo) fraud cases, effectively cutting offenders off from telecom services and public digital platforms. The move follows a surge in fraud, with the Bank of...
Spain’s Banco Santander chief Ana Botín and Italy’s UniCredit CEO Andrea Orcel have turned a former mentorship into a high‑profile rivalry that now plays out across compensation, profitability and market performance. A lingering €43.4 million legal award for Orcel underscores the personal tension,...
BNP Paribas has vaulted to third place in the UK M&A advisory rankings, advising on £25.6 bn of deals this year—already more than its total volume for the entire previous year. The surge is anchored by two marquee transactions: Nuveen’s £9.9 bn...
A new BIS paper analyzes how geopolitical events shape cross‑border bank credit from 1977 to 2024. Using confidential International Banking Statistics, the study finds that negative shocks—such as Russia’s 2022 invasion of Ukraine—reduce credit flows between opposing geopolitical blocs by...
Live Oak Bancshares' chief executive sold a total of 20,000 shares in multiple March transactions. The moves, disclosed in regulatory filings, have prompted market observers to assess leadership confidence and potential effects on the niche banking sector.
Singapore’s FinanceAsia named Aster Chemicals and Energy’s $1 billion sustainability‑linked syndicated loan as a Highly Commended Best Syndicated Loan Deal. The facility, led by OCBC and DBS, was upsized by $300 million through a greenshoe option and syndicated to ten additional banks...
Vietnam's VPBank is pursuing a $1.2 billion sustainability‑linked loan, one of the country’s largest ESG‑tied financings. The three‑year facility will be underwritten by more than a dozen banks. Proceeds will be tied to specific environmental, social and governance performance targets. The...
Reports of FCA breaches rose 10 percent in 2024, with filings climbing to 4,224 from 3,843 the year before. The increase reflects both more misconduct and heightened reporting willingness as firms face stricter expectations. New FCA guidance on non‑financial misconduct, covering...
Kotak Mahindra Bank is poised to acquire Deutsche Bank's India retail business for roughly Rs 4,500 crore, after being named the preferred buyer. The transaction covers a loan‑and‑deposit portfolio valued at about Rs 27,000 crore, including personal, home and MSME loans, retail deposits and...
Barclays’ latest study finds that UK borrowers with student loans save roughly £2,000 less per year for a house deposit than peers without debt, with a monthly gap of £163.70. The report shows 44% of loan‑holders say repayments undermine long‑term...
The Monetary Authority of Singapore (MAS) has finished phase two of Project MindForge, releasing an AI Risk Management Toolkit for the financial sector. The toolkit features an Operationalisation Handbook and real‑world case studies, guiding banks, insurers and fintech firms through governance,...
Trump sanctioned French judge Guillou over the Netanyahu arrest warrant → Visa and Mastercard had to cut him off because they're American companies bound by US law. A European judge, debanked in Europe, by US sanctions. Maybe we actually need payment alternatives...
Palantir has landed a high‑profile contract with the UK Financial Conduct Authority, extending its AI‑driven data analytics into the heart of Britain’s financial services sector. The deal gives the Miami‑based firm access to terabytes of FCA data to enhance detection...
🔺 The $2 Trillion Shift: Is Tokenized Money About to Kill Traditional Banking? 💸 By 2030, tokenized money could be a $2T market. But while the tech is moving fast, the global financial map is becoming a "fragmented mess" of rules. 💬...
Mastercard has outlined five core principles to defend its role in Europe’s payments‑sovereignty debate, emphasizing stability, standards, security, seamlessness and success. The company highlighted processing €3 trillion in cardholder activity last year and announced a €250 million investment in new French data...
Tokenization at a Turning Point in 2026: NASDAQ Eyes $500M Collateral Savings, IBM Urges Banks to Act – But Interoperability Stalls Topics: ↳ IBM: Tokenization at a Turning Point Banks Can’t Afford to Miss in 2026 (But Most Likely Won’t Act) ↳...
If you look at this chart of mortgage rates, do you say rates are: Up, Flat, or Down? (poll follows below) https://t.co/f44iFahBSk
African banking giants from Nigeria and South Africa are accelerating acquisitions and greenfield launches in East Africa, drawn by Kenya’s role as a regional financial hub and the trade‑finance potential of the African Continental Free Trade Area. The Central Bank...
Morgan Stanley giving 15,000 advisors access to Bitcoin in their own Trust wrapper is the ultimate validator Not because they believe Because their clients demanded it And when wealth management follows client demand, the market has already spoken
Brian Armstrong says that the banks are already integrating crypto and stablecoins Of course they are. It’s the new financial system. They just don’t want to pay you 4 to 5% yield on stablecoins because it hurts their bottom line https://t.co/8Kj5v9xmv7
Buy‑Now‑Pay‑Later (BNPL) services are rapidly expanding in Malaysia, with users jumping from 2.6 million in 2023 to 7.5 million in 2024. Young consumers, especially those under 30, account for roughly 40 % of BNPL transactions and many allocate over 60 % of their monthly...
The $200bn capital boost to US banks. More on this in the Chartbook Top Links of today. https://t.co/Z0naICa1tz
UBS reaffirmed its “Attractive” stance on U.S. equities, forecasting the S&P 500 to climb to 7,300 by mid‑2026 and 7,700 by the end of the year. The bank tied the upside to 11% earnings growth, anticipated Federal Reserve rate cuts...
South Korea announced Shin Hyun Song, a veteran BIS official and financial‑stability scholar, as its next Bank of Korea governor. The nomination comes as the BOK faces heightened uncertainty from the Iran conflict, rising oil prices and a delicate balance...
SoFi Technologies has evolved from a student‑loan refi platform into a full‑stack digital‑banking supermarket, now offering checking, savings, loans, mortgages, credit cards, trading and a proprietary stablecoin. The company posted $3.61 billion in 2025 revenue, a 35% YoY increase, with deposits...
Axis Bank has entered a strategic partnership with Tesla to become the automaker’s preferred financier in India. The collaboration offers fully digital auto‑loan products with ten‑year tenures and flexible repayment structures, aiming to simplify the purchase journey for premium electric‑vehicle...
Upvest Raises US$125 Million to Modernise European Banking Infrastructure - Fintech Schweiz Digital Finance News - FintechNewsCH https://t.co/OLsvn5pOuF https://t.co/WwYH1vY8PH
Merchant financing, also called merchant cash advances, lets ecommerce and retail businesses obtain capital by selling a portion of future card sales. Lenders use factor rates, often resulting in effective APRs around 30%, considerably higher than typical 7‑8% term loans....
HSBC has demanded that a Hong Kong mother repay more than HK$126,000 in charges incurred after thieves used her stolen credit card. The card was taken on November 15 and the victim reported the loss the following day, but the...
The Indian government has rolled out a Credit Guarantee Scheme 2.0 aimed at expanding credit flow to micro‑finance institutions. While the policy signals a push for greater financial inclusion, specific parameters such as guarantee coverage and funding amounts were not...
Rhino.fi has introduced a “Stablecoin 1:1” product that guarantees a fixed one‑to‑one conversion rate for USD‑pegged stablecoins such as USDT and USDC across more than 25 blockchain networks. The service eliminates hidden spreads and routing inefficiencies, offering transparent fees for neobanks...
How Much You Need to Make To Buy a $289,900.00 with a 3.5% down FHA loan
Kenya has launched a public consultation on its draft Virtual Asset Service Providers Regulations for 2026, aiming to operationalise the Virtual Asset Service Providers Act of 2025. The proposals require crypto firms to obtain licences, disclose ownership, meet capital and...
$KLAR -70% since the IPO It's starting to look interesting: - $128B GMV - 118M Total Customers +28% Y/Y - 15.8M Banking Customers +101% Y/Y - FWD Growth of 26% Yes, credit losses are a growing, but that is natural when non-BNPL loans grow 165% Y/Y....
Neobanks disrupted banks Agentic finance disrupts neobanks Every category gets eaten by the next abstraction layer The question isn't whether this happens The question is who builds it first
If customers can open an account, get support, and manage their finances digitally, why would they do it any other way? Digital is no longer an add on. It is the primary channel. https://t.co/BlcvLGvFUp
