The Office of the Comptroller of the Currency has left the door open for crypto firms and other fintechs to expand their services.

Banks should map their operations against the proposed Office of the Comptroller of the Currency’s standards and be ready for implementation.

While thousands of banks and credit unions use FedNow or Real Time Payments, many won’t allow customers to hit “send.”

A digital‑first approach paired with relationship banking enables community financial institutions to attract, serve and retain SMB customers in an increasingly competitive landscape.

Core replacement programs bring high costs and risks, but there is a more pragmatic and cautious approach to transforming your institution.

With more financial institutions embracing digital assets, automated blockchain transactions could streamline and speed up both operations and lending.

Revenue sharing models in cross-border payments and wealth management could reshape how financial institutions approach innovation.

Some banks and credit unions are using earned wage access products to reach younger customers and boost deposits.

Digital tools paired with financial education can create lifetime customers for banks and credit unions that act to capitalize on this new federal program.

In an era of voice cloning and deepfakes, relationship banking promises to get trickier for community banks and credit unions.