Banking Social Media and Updates
Banking Social Media and Updates
Banking Pulse
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Tuesday recap
EMAIL DIGESTS
Daily
Every morning
Weekly
Tuesday recap
South Africa is an oil-importing economy. The South African Reserve Bank is indirectly telling you that interest rate cuts are now off the table, and that if the tension in the Middle East continues, then interest rate hikes can’t be ruled out. The next interest rate meeting is on the 26th March.
Citi's American business credit card has a unique perk, whereby authorized users earn Loyalty Points toward status, rather than just the primary cardmember. Here's how this policy works. https://t.co/jxeD3WsBMF
Analyst Breaks Down Theory On BlackRock's XRP Play Context: 1,700 iShares ETFs globally, $3.6T in US alone. If BlackRock tokenizes even 5-20% of ETF assets on-chain, that's hundreds of billions needing settlement rails. XRP positioned as "killer bridge for TradFi and...
Iran may end up being the Pin that pricked the bubble, but the Banking and Financial Sector Stocks are Crashing equity markets as the impact of a slowing economy and the US private credit market takes hold- Hindi Video... https://t.co/sOz3SepGUO via...
The next wave of AI disruption may hit unexpected professions first. Peter Thiel suggests roles built around mathematics and quantitative analysis could be more exposed than language-heavy work. Banks are already hinting that advances in AI could mean leaner teams in finance....
90% of banks think customers are satisfied with AI interactions. Only 59% of customers agree. Banks are optimizing for realism. Customers want resolution. Wrong metric, wrong investment. Why Your Voice AI Strategy Needs to Prioritize Resolution Over Chit-Chat https://t.co/ywMtrISq9g
A corporate treasury transfer just happened at blockchain speed. Circle shifted $68 million between its own entities in about 30 minutes using its stablecoin infrastructure, replacing bank wires that usually take days. Programmable money is starting to change how companies move capital....
Strategy decks are everywhere in banking. Execution is where most institutions struggle. Jesus Garcia of @OceanAir_CU discusses what’s actually working in the credit union sector right now, from fintech partnerships to AI adoption. Watch the full episode, sponsored by @Q2_Software: //youtu.be/tGaZ5ZueuVs
Private credit is in a strange place today. The economy is tied to the cost of money. Low interest rates mean cheap borrowing, which in theory should lead to higher utilization of credit facilities. Conversely, high interest rates mean less affordable...
AI cuts costs. AI also cuts the cost of fraud. The same tooling driving efficiency is fueling the fraud surge. Financial services can't run an AI productivity strategy without a parallel fraud controls strategy. AI was meant to boost productivity. It...
Little crazy that we beat X Money @bankonroger - up to 4 day early paydays, no fees, 3.61 APY, under 18 eligible w/ no co-signer, no minimum balance, integrated/signed direct deposit. I love my @tesla, but ROGER is bringing it....
[New Episode] How OceanAir Is Closing the Credit Union Transformation Gap. Interview with Jesus Garcia of @OceanAir_CU. Watch the latest episode on the Banking Transformed Podcast channel on YouTube. Watch the latest episode sponsored by @Q2_Software: https://t.co/VtR2LEbWma https://t.co/cisrp4Lmlv
SpotPay is building the Global Bank Account. One account that lets anyone send, receive, and spend money locally and across the globe. They’re already live in 40+ countries. https://t.co/RSc6UwlrDZ https://t.co/lV8KO2qvrJ
Interesting idea. If done right, this could change how banking works for business owners. An AI CFO that helps manage finances and an AI-native back office that speeds up things like underwriting could make the whole experience much faster and simpler.
We pay 3.61 APY @bankonroger savings without needing a disclosure about losses….no gimmicks or fees & with FDIC insurance up to $250k per depositor. Plus, your money ignited growth for #smallbiz. https://t.co/8oSpSyhQyM
Look Morgan Stanley isn't "rushing into crypto" They're rushing into revenue Bitcoin ETFs generate management fees Wealth advisors get commissions The firm captures flow This has nothing to do with decentralization It's the oldest game in finance wearing a new mask
Americans deserve financial privacy, real consumer choice, and the freedom to innovate. Prohibiting a government-issued CBDC protects those values while allowing market-driven solutions like stablecoins and decentralized networks to modernize payments. The future of money should be open, competitive, and...
@Chase tried to open a bank account for an LLC in person and it didn’t work. We couldn’t get through the NAIC chooser after almost an hour with your employee. Went to a different bank where we set...
It was never stablecoins vs. cards. The true opportunity for stablecoins to become a mainstream consumer payments option was always stablecoins *and* cards. We discussed this in our Q1 State of Stablecoins and this week, @Visa and @Stablecoin announced they’re expanding their...
Circle: AI agents are already driving stablecoin demand. Arc testnet hit 166M transactions. Mainnet hasn't launched yet. The infrastructure race for machine-speed payments is underway — KYC/AML frameworks are not. How Circle Is Marrying Stablecoins With Agentic Commerce https://t.co/QuY14r2lgr
Bilt users are PISSED. Delayed or bounced rent payments. Customer service from unhelpful AI bots with human agents seemingly missing in action. Any info on what’s happening? My DMs are open.
"If the liquidity requirement framework were revised to recognize banks’ capacity to borrow from the discount window, reserve demand could fall by a lot, perhaps about $1 trillion." https://t.co/kkmZqcwLGH
Are Gen Z customers worth it? Absolutely. But they’re going to demand more transparency, more speed, more empathy, and more control. The real question is: Are banks ready for the friction that comes with higher expectations? https://t.co/pgkCkSGKYM
Look at the pattern: • Stripe adds USDC support • Coinbase builds Base L2 • Ethereum upgrades for scalability They're not competing for retail users anymore They're competing for autonomous agents that will process trillions in microtransactions The machine economy is the endgame
Forget old banking playbooks. The future is not about branches or products. It is about building tech-first solutions that scale globally. https://t.co/5GhOAJ3m8S
The UAE Central Bank just built the world's first sovereign financial cloud — AI for AML, fraud, CBDC, zero-trust access, quantum-resistant encryption. Sovereign compute is now a national infrastructure decision, not a vendor one. World's First Sovereign Cloud System for Finance...
NEW: Kazakhstan’s central bank is set to invest up to $350M from its reserves into the crypto sector. The strategy targets crypto-linked equities and funds, not direct purchases of digital assets. The program could start in April or May. https://t.co/RlEGwWKYzs
Same asset, same rights, same outcome: The complex undertaking of interoperability in transacting and settling with #DigitalAssets across distributed ledgers. 🆕White Paper by @The_DTCC, @Clearstream, @EuroclearGroup, @BCG: https://t.co/WMoLfjd8GT #DLT #blockchain #securities https://t.co/94oTorfiKP
#FlashbackFriday In 2020, I argued that tokenisation would remake markets, with public and private money becoming digital assets on shared rails. We seem to be edging that way. https://t.co/Hx9fOy0aBT Yesterday’s future. Progress optional.
Swedish central bank urges public to horde cash in case of payments disruption https://t.co/ckNfNUQsve "The Riskbank is currently working on improving the possibility of making offline payments by card to strengthen resilience." https://t.co/yLYmWsDoh0
Update on the Fed’s Balance Sheet and its Reserve Management Purchases. Adding T-bills, shedding MBS, Treasury note & bond balances on ice, SRF unused https://t.co/M947SfSoUP https://t.co/c3uHc5VmGA
Total PITI costs surged for housing and in a QM lending environment that was set to crush sales. I had a price model limit for 2020-2024: if we didn't surpass 23% during those five years, we would be okay; we...
Fannie Mae: Get use to these mortgage rates Fannie Mae's forecast for the average 30-year fixed mortgage rate: Q3 2026 --> 6.0% Q4 2026 --> 6.0% Q1 2027 --> 6.0% Q2 2027 --> 6.0% Q3 2027 --> 6.0% Q4 2027 --> 6.0%
It's hard for me to describe how different things are than they were a week ago. I'm moving into more of a player coach role, and in the last 7 days, my team of PMs have been: - creating a "Cash...
giving ai agents specific cards that can be locked per merchant and have spending caps is an obvious payment solution. probably more obvious than stablecoins which have a ton of payment adoptions. @lithic is probably the only fintech platform company...
OpenAI is eons behind here, esp for financial modeling. Think they were in early on Rogo which may help (probably good acquisition opportunity tbh) but Anthropic has been crushing and Mistral is doing well with EU banks (mainly because of...
A ‘Bloomberg Terminal’ for espionage? In this episode of DEX in the City, hosts @TuongvyLe12, @kkirkbos & Jessi Brooks discuss: ⚠️ Whether prediction markets are becoming a national security concern 👀 Whether alleged programmatic Bitcoin sales by Jane Street qualify as market manipulation ❕️...
European fintech is entering a phase where the underlying structure matters more than the story. For most of the past decade, consumer challengers defined the category. Neobanks like Monzo and Revolut proved that better interfaces could acquire millions of users quickly. But...
Given this situation, millions of Americans could afford and even need to move, but they stay in homes they no longer want because they do not want to lose their low mortgage rates. Yet each quarter, people have given up...
Complex Systems this week is a tiny experiment: I did a read of a work-in-progress essay rather than the finished version with author's commentary. It's about secondary authentication/authorization, particularly for payments.
"I found that the majority of #debanking cases stem from governmental pressure." @EconWithNick Yep. That's how it works
“I have had hundreds of conversations with institutions. Only once I’ve been asked about Solana” @dannyryan
One of reasons banks are freaking out about stablecoins, even though stablecoins don't pay yield, is bc there is more demand for USD outside the US than there is inside the US. And that means billions (no...trillions) of profits going...
The irony: Morgan Stanley spent years keeping advisors away from crypto to "protect clients" Now they're racing to capture allocation before Merrill, UBS, and Wells Fargo eat their lunch Risk management was never the issue Competition always was
The industry has confused adding digital features with true transformation. Having a mobile app and digital account opening doesn’t make you digitally mature. Real transformation changes culture, processes, and mindset. Download the free report now: https://t.co/gNGFxphUMy https://t.co/bz0SeOWTSW
“The firms are using repo-like loans from one particular investment bank to mask debt, the letter says.” https://t.co/YLQH5cPi6f
Still thinking about @AlexH_Johnson & my pod convo about @CashApp's plan to sell its internal credit scores to third parties That the company seems to be able to manage *credit risk* reasonably effectively makes its financial crime control failures look even...
Agentic commerce will use cards first, then stablecoins. The "stablecoins agentic payments" discourse is missing so much nuance. @nlevine19 did a great job starting the conversation. I think we can go much further. Here's my thesis: https://t.co/yNzQdwx3hS
Almost all financial institutions say they want to support underserved consumers, but few actually ‘walk the walk’ like @CreditOneBank. #creditaccess #financialwellness #ad https://t.co/FvCz5e7Jnp
The first zero human companies are already using crypto DAO treasuries managing themselves AI agents settling in stablecoins Smart contracts as the entire org chart We're not ready for what this means for employment Or equity Or anything, really
