Commercial Banking Top Trends for 2025 and beyond
Commercial banking is at a strategic inflection point. As we look ahead to the next five years and beyond, the question is no longer how to keep pace with change—but …
Visa abandons open banking in US as data-access debate rages
Visa Inc. shut its open-banking business in the US amid regulatory uncertainty about consumer-data rights and the prospect of higher fees for customer information, according to people familiar with the …
Muddled measurements on clarity – Bank Underground
Charlie Warburton and James Brookes Economists have repeatedly shown that readability of central banking communication matters. But they typically measure readability in a crude way – using the simplistic but influential …
The Digital Euro: A strategic step toward Europe’s monetary sovereignty?
In today’s fast-evolving digital landscape, where payments are becoming faster, smarter, and increasingly fragmented, cash is quietly losing ground. Consumer cash usage in Europe now accounts for only 17%, down …
Intuit records growth on the back of AI investment
Intuit’s investments in emerging technology looks to be paying off. In the early stages of AI tool deployment, Intuit is observing positive consumer feedback and significantly higher repeat usage …
heterogeneous impacts on spending and debt – Bank Underground
Philippe Bracke, Matt Everitt, Martina Fazio and Alexandra Varadi The Bank of England Agenda for Research (BEAR) sets the key areas for new research at the Bank over the coming …
Is your bank’s board TQ ready?
Technology is reshaping bank boardroom agendas A decade ago, we first studied the technology experience of board members across the banking sector. Since then we have seen digital transformation, fintech, …
Public fintechs outperforming a record stock market
Even as the U.S. stock markets reach new highs seemingly every week, fintech stocks are outpacing them. F-Prime’s Fintech Index, which tracks publicly listed disruptive fintech companies, is up 42% …
emergent AGI and the rise of distributed intelligence – Bank Underground
Mohammed Gharbawi Rapid advances in artificial intelligence (AI) have fuelled a lively debate on the feasibility and proximity of artificial general intelligence (AGI). While some experts dismiss the concept of …
The Mortgage Spread Has Dropped to a 3-Year Low. That’s Good News For Homebuyers and Refinancers.
The difference between mortgage rates and the 10-year treasury yield has narrowed, signaling a potential boost for homebuyers. A decrease in the mortgage spread can cause mortgage rates to fall, …