Banking Social Media and Updates
Banking Social Media and Updates
Banking Pulse
EMAIL DIGESTS
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Every morning
Weekly
Tuesday recap
EMAIL DIGESTS
Daily
Every morning
Weekly
Tuesday recap
Not all fintechs are created equal. So grateful that we started our digital bank, @bankonroger, within our FDIC insured bank @citizensedmond rather than give into the temptation to spin it out.
UBS manages about $7 trillion in assets - the world's largest and nearly double the size of JP Morgan. Not only is TBTF growing, but we're adding members to the club.
I sure miss the days when new bank formations were a group of citizens coming together to fund economic growth for their communities. Is this why there’s a push for mega deposit insurance?
"The typical homebuyer would save $150 per month taking out an adjustable-rate mortgage instead of a 30-year fixed rate mortgage. That’s a 5.8% discount, the biggest ARM users have had since June 2022 in both dollar and percentage terms." -Redfin
Since 2019, bank lending to non-bank financial institutions (NBFI) has grown by nearly 60% vs only about 20% to non-financial corporations. Divergence has widened since mid-2022 when corporate lending stagnated while NBFI lending continued to rise steadily https://t.co/QEUhoq4feU
Fintech strategies that work in developed markets often break in emerging ones. Volatile currencies, fragmented identity systems and shifting regulations force a completely different level of precision in how products are built and operated. What looks like speed in one market...
#FlashbackFriday In 2020, I suggested the future of finance would be bots negotiating with bots on behalf of customers. That future feels rather closer now. https://t.co/aAxDaqNeF0 Yesterday’s future. Progress optional.
Hours after the startling resignation of HDFC Bank’s chairman, executives hastily arranged a call to assure investors that all was well, and there was nothing material in Atanu Chakraborty’s abrupt departure. Investors weren’t buying it. https://t.co/aeAiEMP7A8 @ranjanir_
Back in 2009, I joined a troubled bank. Our Texas ratio hit over 200% and we were the worst performing bank in Oklahoma. Despite being unable to raise capital, our employee-owners scrappily turned around and rebuilt the pre-statehood bank. ...
📣📣📣📣📣📣📣
🌏Capturing Asia’s rising wealth: A massive opportunity has opened to advise #SoutheastAsia’s growing mass affluent segment, which domestic banks have struggled to penetrate. Thanks to @FT_PWM for publishing Liam Reeve’s and my insights: https://t.co/r16mLZ2lEB #WealthManagement #PrivateBanking #WealthTech
FITCH: U.S. private credit default rate declined to 5.4% for the trailing-12 months through February. This is down from the January peak of 5.8%.
I'd say a 6.50% 30-year fixed seems like a foregone conclusion at this point. When not if... That'd be the first time rates were that high since last summer. Pretty sure the housing market can't handle a return to 7%, not...
Klarna: 5x Opportunity or a Subprime Lender? $KLAR offers a uniquely asymmetrical profile: - Beat Down Stock - Expanding into Banking - Strong Growth - Potential for improving profits https://www.globalequitybriefing.com/p/klarna-5x-opportunity-or-a-subprime?r=39awso&utm_campaign=post&utm_medium=web
FWIW - I can't think of a more ill-timed moment to enable capital to exit the banking system. Then again, I saw this in the late 1990's and right before the housing crisis. https://t.co/BElQudhOBb
Crunchbase called it. Three months ago, we flagged @BVNKFinance as a likely acquisition target, & @Mastercard just announced plans to acquire it for up to $1.8B. That’s the power of predictions — you can spot opportunities early & move before competitors....
It was once thought that as defaults rose, credit card issuers would simply increase the rate they charge to compensate for that. Hard to see that now, given current portfolio yields. Worse, their cost of funds is rising...
Just a reminder that when it comes to bank regulation, what is deregulated on the way up is inevitably reregulated on the way down. Love them or hate them, there is no trend following crowd like our banking regulators.
It's important not to let the war in Iran get in the way of deregulating giant banks. https://t.co/bOsbNAHMUC
#ECB leaves deposit rate at 2.00% as expected. Says war poses upside inflation risks, downside growth risks. Says to decide based on core inflation, transmission strength. Says not pre-committing to particular rate path. https://t.co/9tExdmlBDB
BofA: Total card spending was up 4.9% y/y in the week ending Mar 14 while total card ex gas spending was also up a solid 4.3% y/y ... gas spending +14.4% YoY https://t.co/wW3Jif21Sp
European fintech News: Airwallex commits $1.1 billion to European expansion, with Spain and Sweden in its sights. The cross-border payments company plans to invest significantly in Europe over the next five years, marking its most substantial push outside the Asia-Pacific...
Today at #MPE2026 with my @chyppings hat on: Future-proofing Payments with Quantum-Ready Infrastructure' examining what quantum means for payments security, and what needs to happen next. 📍 19 March | 12:45–13:45 | Main Stage (Potsdam I) @mpecosystem #MPEBerlin #ILoveMPE https://t.co/bxOPVlv53L
Wow. Ten years ago. Birch, D., Brown, R. G., and Parulava, S. (2016). "Towards ambient accountability in financial services", Journal of Payments Strategy & Systems 10(2). https://t.co/HQRpD3fj8A https://t.co/Hpv4NOqOgE
Tempo mainnet is live. Anthropic, OpenAI, Shopify, Mastercard, and Visa are already on it. 🏦 https://lnkd.in/eiRhP6rS
J.P. Morgan & Mirakl Nexus Unveil AI Agent Checkout A first-of-its-kind solution designed to enable secure AI agent checkouts for enterprise merchants. J.P. Morgan’s tokenization and fraud protection to allow agents to move from "browsing" to "buying" within a regulated framework....
Debit card eaten by ATM after 2 incorrect PINs. I have been 17 min deep in phone hell: 'All agents busy, please hold...' repeat forever. Agentic AI can reason & act autonomously, but my bank's hold music can't even connect me to...
#Mortgage refinance demand plunges 19% after interest rates shoot higher https://t.co/qypWBX8GTm @mortgagenewsmnd @MBAMortgage #realestate #realestateinvesting #housing
The Marchine Payments Protocol @mpp shows you again, and again, where the world is going Everyone, from @stripe to @coinbase to @Shopify to @Mastercard and @Visa and @ethereum wants to be robot money Assume we arrive there. What do financial services look...
YES BUT: ECB paves way for acceptance of DLT-based assets as eligible Eurosystem collateral 1. The Collateral Conundrum: "Eligibility vs. Scale" The ECB Move (Demand): By accepting DLT-based assets as collateral for credit operations, the ECB has given tokenized assets the...
Podcasting at the @CatoInstitute headquarters with @EconWithNick & @norbertjmichel was just the coolest as we talk about deposit insurance.
Neobanks expanding into new markets, Source: CB Insights, Mar 2026 Fintech hiring is happening as neobanks continue to expand with different strategies https://t.co/qKcdGMmycZ https://t.co/rO2bQPQw7W
Every ad impression, every recommendation algorithm, every retargeting pixel — all of it monetizes the space where human intent is unclear. Agents collapse that space to zero. An agent arrives with a mandate. Get me X. Budget Y. Constraints Z. - No attention...
Getting the afternoon underway at #MPE2026 in Berlin with a discussion about areas where practical innovation in payments might produce decent results. https://t.co/kb8dX1tuWo
The banks that succeed will be those that understand where branching is going and adapt early. Strategy informed by trends leads to better service and stronger institutions. https://t.co/jv4QFxFbyK
[New Episode] AI Is Finally Fixing the Way Banks Lend Money. Interview with Wije Wijegoonaratna, CEO of @aftanalytics. Watch the latest episode now: https://t.co/xKHOgVkcA9 https://t.co/MfWWCseBft
Two sessions today at #MPE2026 with my @chyppings hat on: Agentic Commerce & Payments - AI-to-AI payments and what this new frontier means for 'traditional' players. Payment Acceptance: Sovereignty & Geopolitics - Resilience, regulation and Europe’s payment sovereignty agenda.
𝗥𝗲𝘁𝗮𝗶𝗹 𝗶𝘀 𝗖𝗼𝗺𝗶𝗻𝗴 𝗳𝗼𝗿 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 Pepkor Holdings stepping into financial services tells me two things: 1️⃣ Landscape is getting competitive 2️⃣ Retail margins are under pressure To achieve margin expansion, retail is shifting into banking, further fueling financialization. 𝗡𝗼𝗻𝗲𝘁𝗵𝗲𝗹𝗲𝘀𝘀, SA’s banking/fintech space is...
🧵This is #sec #cftc commission-level guidance, not staff-level, which makes it more enforceable than the statements and no-action letters the Crypto Task Force has been issuing since January. That is meaningful distinction. Staff guidance can be withdrawn or walked back...
The biggest risk for banking leaders today is not disruption. It is standing still. In this episode, I discussed why continuous learning is the key to staying relevant in a rapidly changing industry. Watch the full episode: https://t.co/niO7fXOQML https://t.co/ypX1PHvuCB
Lots of corporate dollars still go to maintaining legacy systems. It's hard to redirect that spend to new AI work. Banks feeling it, and not yet delivering the (AI) products that customers want ... https://t.co/N4HWKA2UML
what are the best non-stripe options to accept payments? trying Square for online payments (can never do PayPal I'd rather use crypto) but any other for quick setup with an EIN?
AI agents are getting expense cards. Ramp and Stripe are both building infrastructure that lets autonomous agents buy, spend, and transact end-to-end without a human in the loop. The ceiling on what agents can do has always been money. That...
40% of AI projects fail. Not the model. The data. Join me and Tim Brophy at @AmerBanker March 19 webinat to talk about what actually separates AI winners from the rest. 📅 4pm GMT/ 12pm ET https://t.co/HqHwsVzCsj
CFOs now view vendor exposure and data protection alongside balance sheet risk. Requiring: proactive risk management, clear board communication, and disciplined investment to protect operations and trust. https://t.co/RWvAWTo1ee
Stablecoins: What Community Banks Need To Know And Do Now Stablecoins won’t disrupt banks overnight, but they will pressure deposit economics, reroute payments value, and introduce new liquidity and operational risks. https://t.co/OZJUTRUWEc
Private credit default rate just hit 9.2%. That's higher than 2008 bank loan peaks. $1.8 trillion in assets, $100B in secondary liquidity. 18:1 mismatch. When exits close, panic starts. https://t.co/PTz3djlLMl
The growing calls for Discount Window reform are being driven, in part, by a paradox in the post-GFC liquidity framework: banks are encouraged to hoard liquidity in normal times but hesitate to use it during stress. Details in my latest...
🚨 MASSIVE: Mastercard just acquired BVNK for $1.8B. This one hits different. --- BVNK had a rough road. Previous acqusitions that fell through. Competing against massive companies. But they made it. Now they're the stablecoin infrastructure layer inside the world's second-largest card network. 130+ countries....
Rising U.S. private credit defaults hit record 9.2% in 2025, signaling credit stress & shadow banking risks. This erodes confidence in paper assets, investors flock to hard money with no counterparty risk. Bullish for gold & silver as safe-haven hedges. https://t.co/TcCYRkMkIZ
