Digital Upgrades on Broken Cores Guarantee Failure, Not Transformation
many banks are building sleek digital experiences on top of broken core systems. That’s a recipe for failure, not transformation. Watch the full episode now: https://t.co/BQNDlxuwMR https://t.co/zpEHfYUGzi
Roger Reshapes Banking for the Military Community
“ROGER exists to re-establish what banking should look like for the military community: stable, modern, transparent, and designed around service members’ realities" - https://t.co/YrpJ4hBrFZ featured today in https://t.co/xUPIH1zqKM! https://t.co/koyDa67vBl
White Smoke Signals New JPMorgan Collar Strike
White smoke can be seen billowing out of the top of the JP Morgan building as a new JPM collar strike has been chosen https://t.co/UWJFjOF7Rr
US Market Proves Too Tough for Foreign Neobanks
Monzo is leaving the US. ~50 layoffs, accounts wind down by June. This is the pattern now. N26 left in 2022. Revolut's US push has stalled. The thesis that a better mobile bank can simply be exported into the US market...
Monzo Exits US Market, Informs Customers via Email
Monzo is calling it quits in the US, per emails the company has sent to customers: https://t.co/O6zV63RcXB
Regulated Giants Choose Private Canton Over Permissionless Chains
"Goldman's on Canton. DTCC is on Canton. There's a reason they're moving there rather than permissionless blockchains. It would be very hard for a regulated institution with trillions of dollars to connect to a permissionless chain right now." — Jessi https://t.co/OMA9HmxIQs
US Banks' NDFI Exposure
U.S. banks' loan exposure to NDFIs has grown to $1.4 trillion or about 11% of total balances, according to Moody's. That growth has been led by lending to private credit, which rose 7.5% QoQ (as of Dec. 31). Moody's says...
Victims Receive $27.92 Settlement After 2024 Evolve Hack
Remember back in 2024 when a Russian cybercrime group hacked Evolve and exfiltrated terabytes of data, including user data like SSN and account numbers? Victims are finally getting their settlement payments: $27.92 https://t.co/9rKUgGOh5I
Four Agentic Commerce Models to Power Financial Discovery
There are 4 agentic commerce models for Banks, Fintechs, and Insurance. You can play on several fronts. Start the foundational work. Where will you be discoverable? 🎥 Agentic Commerce: 4 Models for Banks & Fintechs (10min full video )https://t.co/aeoEeYpOBM https://t.co/miAd0gAxJp
Record Office Delinquency Signals Imminent Real Estate Debt Crisis
CRE office delinquency: 12.34%. All-time high. $162B in multifamily maturities in 2026 alone. Up 56% YoY. $1.5T maturity wall. Rising rates. Regional banks holding the bag. The next shoe isn't dropping. It's already laced up. --- https://t.co/GPSg1nlO6H
Improving Stablecoin Interoperability for Seamless Money Transfers
Money should be better. Even within stablecoins, where the #1 product advantage is interoperability, it's still difficult to move seamlessly fiat stables or even stable stable. I'm glad that @SamBroner and @AdamZuck13 are working on this at @bettermoney_co. https://t.co/uMN0vHxZ7n
Crypto and TradFi Converge: On‑Chain Payments Boom
The perception shift in crypto has been wild honestly. We went from 'this is a scam' to the biggest corporations and banks on the planet racing to figure out stablecoins and onchain payments. Two worlds that used to want nothing to...
Higher Rates Erase Home Price Discounts
You can say home prices are overpriced until the cows come home, but mortgage rates are the quickest and easiest affordability lever to pull. $500,000 purchase price $485,000 (3% down) 5.75% rate $2,830.33 /mo. $450,000 pp (10% off) $436,500 6.75% rate $2,831.13 /mo.
Deregulating Major U.S. Banks Increases Systemic Risk
Deregulating Big American Banks Makes Them Riskier: Very worthy reality check and truth telling by @MRVAssociates https://t.co/3c4yxlsI78
Bank Credit Expands Across All Sectors, Growth Steady
Sector credit: Bank credit seems to have done well in nearly all areas, and both Industrial credit and personal loans (incl housing etc) are growing at a decent pace. So is agri and services. https://t.co/bFWysA8pZw
Regional Banks Face Looming CRE Loss Wave
$1.5 trillion in CRE loans mature through 2026-2027. Office delinquency: 12.34%. All-time high. "Extend and pretend" is over. Banks are shifting to "extend and resolve." Resolve means someone takes the loss. That someone is regional banks — the ones with the highest CRE...
Ant Digital Shows Fintech Can Match Hyperscalers with Full‑Stack AI
Ant Digital Unveils Full-Stack AGI Architecture at IDC Question: Can fintech giants compete with hyperscalers on full-stack AI? Ant Digital positioning with complete vertical integration: → proprietary foundation models (Ling-1T trillion params) → finance-grade agent platform (Agentar-Fin-R1) → specialized infrastructure (ZOLOZ...
New PhD Tackles GenAI Governance in Finance
Generative AI is moving fast into financial services, but model management, explainability, and governance are still catching up. The teams at Nationwide and Cardiff shared this funded PhD with me, and I wanted to share it with my network. The...
Fintech Parity Levels the Playing Field for Small Banks
The playing field is shifting. Smaller banks and credit unions now have access to the same innovation through solution providers and fintech partners. That changes everything. https://t.co/cBR5eKzmzK
UK Mortgage Approvals Climbed Before War‑driven Rate Spike
UK mortgage approvals rose before the war triggered a rates surge https://t.co/sRgK0HpypM via @tomelleryrees https://t.co/o5w32DYwZ5
Master Apple Card: Move Money & Maximize Rewards
Just joining the complex Apple Card ecosystem? It's smart to learn how to move your money around, including funding your Apple Cash. Here's a primer that explains how everything interrelates and how to maximize your rewards: https://t.co/ZPP9OBmb9Y #applecard #applecash #banking...
AmEx Secures NFL Deal, Boosting Revenue Outlook
Macro: AmEx wins NFL payments deal replacing Visa; Key: exclusive card perks, new co‑branded card & international reach; Risk: marketing ROI/FX; Trade: buy AXP on expected revenue lift. 📈 — Viktor Kopylov, PhD, CFA More insights: t.me/si14Kopylov
Mortgage Intent Index Slides, Yet Pending Sales Remain Positive
The Xactus Mortgage Intent Index dipped this week. Three down weeks in a row and below last year now. Xactus is counting credit pulls, so it includes refis. I've found this data to correlate well with the pending sales rate, though...
Demand Transparency: Test a Government CBDC for Tax Tracking
Americans do have the right to know exactly where our tax dollars are going. Test out a CBDC on the government https://t.co/670p3X4NoE
Proactive Data Use Keeps Customers, Inactive Banks Lose Them
Customers expect their financial institution to use the data they already have to help them, not just react when problems occur. If your bank isn’t proactive, someone else will be. https://t.co/lAKdvKwfQg
Mobile Wallets Boost Security and Credit Card Utilization
Using payment services like Apple Pay and Google Pay can offer extra security and encourage you to maximize your credit cards. https://t.co/VPFoaKTwsB
Goldman Predicts Retail Outflows in Direct Lending Through 2027
Good episode from Goldman on private credit. They forecast outflows from retail channel for direct lending into 2027 https://t.co/eP2DhDcZhr
Rising Mortgage Rates Signal Upcoming Home Price Decline
With each passing day, the mortgage rate lock-in effect fades. Nearly 22% of mortgage holders now have a rate above 6%. Which is more than the share with a rate below 3%. Ultra-low-rate owners are slowly getting replaced with 6%+ owners. Meaning...
Wells Fargo Forces Bilt Users to Opt Out
Kind of crazy, given Wells Fargo’s history, that Bilt users had to opt OUT of receiving a WF card during the “Bilt 2.0” transition https://t.co/j8RxDGWQh5
Regulators Let Private Equity Snap Up Failed Banks
Trump bank regulators are ensuring that private equity firms can buy failed banks in a banking crisis. https://t.co/y7N6wWEt7w
Finance Should Be Frictionless, Not App‑driven
The neobank era taught us one thing: People don't want to think about money Agentic finance takes that to its logical conclusion Zero cognitive load Zero manual intervention Zero friction We're not building better apps We're building systems that make apps obsolete
Fed Chair Must Remain Nonpartisan, Bipartisan Reappointment Essential
A question about the role of the vice chair for supervision led Powell to lay out his philosophy on how a Fed chair should operate more broadly (offered by way of explaining why he didn't want to get too involved...
Expert Witnesses Essential as AI Advice Liability Gaps Grow
When Conversational AI Meets the Courtroom: Why Expert Witnesses Matter for Financial Services Question: if agentic AI becomes standard for financial advice, who's liable when the agent hallucinates? Expert witnesses assess training data + logs to reconstruct chatbot behavior, determine foreseeability...
Stablecon Launches First Policy Council of Stablecoin Experts
I'm excited to announce our inaugural @TheStablecon Policy Council: 🧠 @JoAnnBarefoot of @AIRinnovate 🧠@ChrisBrummerDr of @blupryntco and @Georgetown 🧠@CodyCarboneDC of @DigitalChamber 🧠@ccatalini of @MITSloan 🧠@_jikim of @crypto_council 🧠@Amanda_S_Wick of @AWICglobal 🧠And Stablecon's Head of Policy, Justin Friedman. These are current and former regulators, founders,...
Powell: Fed Monitors Private Credit, Won’t Eliminate Risk
On private credit, Powell said it was a "relatively small part of a very large asset pool" that the Fed was watching "super carefully" About financial regulation more broadly, Powell said the Fed "shouldn't be trying to regulate risk out of...
Mortgage Rates May Drop if Tensions Ease, Data Weakens
It's looking like a good day for mortgage rates. But for them to have a winning week, we need easing tensions in the Middle East. And weak economic data, including job openings, retail sales, ADP jobs, and BLS on Friday.
The Dollar’s Secret Global Journey: Cash Hoards to Stablecoins
💵From Belarus vaults to Miami cash hubs, the U.S. dollar has a global life most of us never see. Former Fed economist, Ruth Judson, joins me on the podcast to unpack global cash hoards, counterfeit networks, and the rise...
Banks Must Grasp Branch Trends to Meet Evolving Customers
Customer needs are shifting fast. Banks that understand branch trends can deliver experiences that truly matter. Get your copy of Branch Tomorrow to stay ahead: https://t.co/7yibAIVrHK https://t.co/fmgzi9JPcv
Monument Bank Launches Tokenized Deposits for Mass‑Affluent
Tokenized deposits on a public blockchain. Not Citi. Not HSBC. Not the Big Six. A UK challenger bank targeting the mass affluent - @monument_bank Full post + carousel 👇 https://t.co/Kg4TjAbsqA https://t.co/ooy6zhmCvb
Execution, Not Clarity, Holds Back Banking Transformation
Clarity is not the problem in banking transformation. Execution is. In this episode, we explore why efforts around digital, AI, payments, and partnerships are falling short and what leaders must do differently. Watch the full episode: https://t.co/qrsFZDRVT6 https://t.co/ly49Ctb5m9
Mortgage Rates Rebound From Historic Lows to 6.38%
Average 30-Year Mortgage Rate in the US… 1970s: 8.9% 1980s: 12.7% 1990s: 8.1% 2000s: 6.3% 2010s: 4.1% 2020s: 5.3% --- All-Time Low (Jan 2021): 2.65% 2023 Peak (Oct 2023): 7.79% Today's Rate: 6.38% (highest since Sep 2025) https://t.co/EZVocXbneE
Market Prices Known Risks, Misses Hidden Threats
Widely discussed risks are often priced in. The real threats tend to be overlooked. #RiskManagement #MarketInsight https://t.co/PWgmCJwWDp
Tokenized Deposits Outperform Stablecoins by 1250% Efficiency
Why Tokenized Deposits Are More Efficient Than Stablecoins: The 1250% Efficiency Gap Banks Can’t Ignore This Week's Topics: ↳ Why Tokenized Deposits Are More Efficient Than Stablecoins: The 1250% Efficiency Gap Banks Can’t Ignore ↳ I Found a Prompt Injection Attack Buried...
Starling Unveils UK's First Agentic AI Money Manager
Starling Bank just gave its AI permission to move your money. Not advise. Execute. Starling's agentic assistant is live and the CIO chairs the Bank of England's AI Taskforce. Starling Bank Launches UK's First Agentic AI Money Manager https://t.co/guiDaZ3vdT
AI vs Fraud and Stablecoins as Infrastructure
Let's go! I'm in Las Vegas for Fintech Meetup 2026, hitting the stage tomorrow for two insightful discussions - 'Can AI Fight Fraud Faster Than Fraud Fights Back?' and 'Are Stablecoins Finally The Infrastructure, Not The Asset?' Will you be there? #FintechMeetup...
Banks Triple PE Lending, Funds Now Highly Leveraged
Banks have tripled lending to private equity and credit since 2018 to over $300 billion. As a result, funds that invest in highly leveraged companies have themselves become leveraged. https://t.co/HbKAJUCFch https://t.co/RAeUMBVcKG
Compliance as Code: GENIUS Act Redefines Financial Infrastructure
🔺 Is the "old era" of compliance finally dead? 🪦 In this episode of Fintech Conversations & Insights, Beth Haddock (Stablecoin Standard) explains why the GENIUS Act is forcing a total rethink of financial infrastructure. We dive into: ❌ Why "Honeypot" data collection...
Stablecoins Serve Unbanked Merchants, Not Replace Cards
My conversation with @nlevine19 and @robbiepetersen_ crystallized something: stablecoins aren’t replacing cards. They’re serving the merchants that cards can’t reach. https://t.co/CPDcFRHO46
UAE’s Closure Drives Iran Toward Chinese Banking
The faster UAE closes money window on Iran, quicker China becomes Iran's banker. 1)China pays for Iranian oil into Chnse bank accts2) Iran buys gold w CNY in Shanghai's CNY gold mkt & do what Russia did w China after...
MAS Releases Comprehensive AI Governance Framework with Case Studies
MAS dropped 173 pages of operational AI governance - agentic AI named explicitly. DBS, BlackRock, Julius Baer case studies. This is what exam-ready governance looks like. MAS unveils AI Risk Management Toolkit for Singapore's financial sector https://t.co/zLPlP0lcaL