American Banker

08/07/2025

In American Banker’s BankThink, Noelle Acheson highlights how last week’s White House crypto document and the SEC’s announced Project Crypto are not just about supporting digital assets — they’re also about an overhaul of traditional finance.

Noelle Acheson highlights how last week's White House crypto document and the SEC's announced Project Crypto are not just about supporting digital assets — they're also about an overhaul of traditional finance.

08/06/2025

As stablecoins and related products gain traction in the U.S., bankers are going to have to face the fact that their current anti-money laundering controls simply aren’t up to the task anymore, writes David DeLeon, of Accenture, in American Banker’s BankThink.

As stablecoins and related products gain traction in the U.S., bankers are going to have to face the fact that their current anti-money-laundering controls simply aren't up to the task anymore.

08/06/2025

Banks would face much higher assessments to bring the Deposit Insurance Fund’s reserve ratio into compliance. Those costs would be reflected in higher fees and reduced availability of credit, writes Dan Savickas, of the Taxpayers Protection Alliance, in American Banker’s BankThink.

Banks would face much higher assessments to bring the Deposit Insurance Fund's reserve ratio into compliance. Those costs would be reflected in higher fees and reduced availability of credit.

08/06/2025

National banks, community banks and credit unions all identified fraud detection as the top retail banking area where AI will have the most impact over the next 12 months, garnering 65%, 52% and 77% respectively. Fraud detection ranked third for midsize banks.

So what exactly are banks and credit unions doing to boost their counter-fraud measures, and how does AI factor in?

More insights on this and similar topics in the latest research from American Banker below.

New research from American Banker finds that artificial intelligence is growing in use, but trust and regulatory woes still hold many back.

08/05/2025

Data insights are growing in importance for bankers seeking not only to better understand their customers, but also to explore new products and services — and many are using artificial intelligence to do so. But new research from American Banker finds that trust is still holding many back from embracing the technology on a broader scale.

So where are banks seeking to deploy AI, and where have they already done so?

The answer and more in the latest research from American Banker below.

New research from American Banker finds that artificial intelligence is growing in use, but trust and regulatory woes still hold many back.

08/05/2025

The current system of communicating terms and conditions of banking services fails everyone. Banks spend enormous resources on compliance theater while customers remain uninformed about their actual rights and risks, writes Justin Grooms, of Bolt, in American Banker’s BankThink.

The current system of communicating the terms and conditions of banking services fails everyone. Banks spend enormous resources on compliance theater while customers remain uninformed about their actual rights and risks.

08/04/2025

Rather than deleting the CFPB, now is the time for the president and Congress to reform and reboot it into the agency that carries out its mission in an apolitical manner, writes Lindsey Johnson, of the Consumer Bankers Association, in American Banker’s BankThink.

Rather than deleting the Consumer Financial Protection Bureau, now is the time for the president and Congress to reform and reboot it into the agency that carries out its mission in an apolitical manner.

07/31/2025

Treasury’s Office of Financial Research OFR was created for moments like this, when financial innovation accelerates and uncertainty builds. This is no time to slash its personnel, writes Greg Feldberg, of Yale School of Management, in American Banker’s BankThink.

Proposed cuts to the Treasury's Office of Financial Research would deprive the government of vital insight into the financial markets at a time when the sector is experiencing major disruptions.

07/30/2025

Fraud detection and stronger security/ID verification were top consumer experience priorities that institutions of all sizes were focused on improving in 2025.

But how is AI helping banks and credit unions improve these business aspects?

Learn more about it in the latest American Banker research below.

Artificial intelligence is helping banks and credit unions reduce friction points in their customer experiences and more, per new research from American Banker.

07/29/2025

A huge percentage of Americans, particularly Gen Z and millennials, score poorly on financial literacy tests, with predictable consequences. AI-powered agents can help empower them, writes Scott Smith, of Fizz, in American Banker’s BankThink.

A huge percentage of Americans, particularly Gen Z and millennials, score poorly on financial literacy tests, with predictable consequences. AI-powered agents would help empower them.

07/28/2025

Countries around the world are retreating from the economic integration that drove growth in the post-Cold War era. The result will be an unnecessary hindrance of progress, writes Alex Tsepaev, of B2Prime, in American Banker’s BankThink.

Countries around the world are retreating from the economic integration that drove growth in the post-Cold War era. The result will be an unnecessary hindrance of progress.

07/28/2025

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