CINXE.COM
Opinion | Banking Dive
<!DOCTYPE html> <html class="no-js" dir="ltr" lang="en-US" prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb#"> <head> <meta charset="utf-8"> <meta http-equiv="x-ua-compatible" content="ie=edge"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <title>Opinion | Banking Dive</title> <meta name="description" content="Banking news"/> <meta property="fb:pages" content="510756622789753"> <script data-cfasync="false"> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('consent','default',{ 'ad_storage':'denied', 'analytics_storage':'denied', 'ad_user_data':'denied', 'ad_personalization':'denied', 'personalization_storage':'denied', 'functionality_storage':'granted', 'security_storage':'granted', 'wait_for_update': 500 }); gtag("set", "ads_data_redaction", true); </script> <script data-cfasync="false" src="https://cmp.osano.com/AzqdtLT8Mqkut2TZ/bdeb2f70-056f-4937-961a-e9db412e4c7a/osano.js"></script> <style> .osano-cm-widget{display: none;} </style> <script data-cfasync="false"> window.Osano.cm.addEventListener("osano-cm-script-blocked", function (item) { console.log("Script blocked: " + item); }); window.Osano.cm.addEventListener("osano-cm-cookie-blocked", function (item) { console.log("Cookie blocked: " + item); }); </script> <script> window.dive_location = "NonEU"; window.dive_limit_data_processing = false; </script> <!-- ====== FAVICONS ======= --> <link rel="icon" type="image/x-icon" sizes="any" href="/favicon.ico?v=2" /> <link rel="apple-touch-icon" sizes="180x180" href="/apple-touch-icon.png?v=2"> <link rel="icon" type="image/png" sizes="32x32" href="/favicon-32x32.png?v=2"> <link rel="icon" type="image/png" sizes="16x16" href="/favicon-16x16.png?v=2"> <link rel="manifest" href="/site.webmanifest?v=2"> <link rel="mask-icon" href="/safari-pinned-tab.svg?v=2" color="#5bbad5"> <meta name="msapplication-TileImage" content="/mstile-150x150.png?v=2"> <meta name="msapplication-TileColor" content="#603cba"> <meta name="theme-color" content="#ffffff"> <link rel="alternate" type="application/rss+xml" title="Banking Dive - Latest News Feed" href="https://www.bankingdive.com/feeds/news/"/> <link rel="canonical" href="https://www.bankingdive.com/opinion/"/> <link rel="next" href="https://www.bankingdive.com/opinion/?page=2"/> <meta property="og:title" content="" /> <meta property="og:description" content="" /> <meta property="og:image" content="https://d12v9rtnomnebu.cloudfront.net/divesite/header_image_logos/banking_dive_feed_header.jpg" /> <link rel="stylesheet" href="/static/css/dive_app.css?531216261124"> <script> // Initialize dataLayer empty array for GTM events window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'site': 'Banking Dive', }); // wrapper function to push GTM events to dataLayer pushGTMEvent = (eventObject) => { // if window.datalayer is not defined, then set to an empty array window.dataLayer.push(eventObject); }; </script> <!-- Google Tag Manager --> <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-55G8WRR');</script> <!-- End Google Tag Manager --> <script> let eventParams = {}; const gtmEventObject = { event: 'page.content', 'page.content': { v:11, // seer version ...eventParams } }; window.pushGTMEvent(gtmEventObject); </script> <script type="module" src="/static/js/dist/lyticsHelper.bundle.js?081516261124" ></script> <script type="text/javascript" src="/static/js/ad_blocker_recovery.js?160016291122"></script> <!-- These are the 2 necessary scripts for the ad recovery message to work --> <script async src="https://fundingchoicesmessages.google.com/i/pub-8553262192892817?ers=1" nonce="RORABhIXgMhQdZXbks8fZQ"></script> <script nonce="RORABhIXgMhQdZXbks8fZQ">(function() {function signalGooglefcPresent() {if (!window.frames['googlefcPresent']) {if (document.body) {const iframe = document.createElement('iframe'); iframe.style = 'width: 0; height: 0; border: none; z-index: -1000; left: -1000px; top: -1000px;'; iframe.style.display = 'none'; iframe.name = 'googlefcPresent'; document.body.appendChild(iframe);} else {setTimeout(signalGooglefcPresent, 0);}}}signalGooglefcPresent();})();</script> <!-- If the ad recovery message is blocked, this script shows a backup error message asking users to allow ads --> <script>(function(){/* Copyright The Closure Library Authors. SPDX-License-Identifier: Apache-2.0 */ 'use strict';var aa=function(a){var b=0;return function(){return b<a.length?{done:!1,value:a[b++]}:{done:!0}}},ba="function"==typeof Object.create?Object.create:function(a){var b=function(){};b.prototype=a;return new b},k;if("function"==typeof Object.setPrototypeOf)k=Object.setPrototypeOf;else{var m;a:{var ca={a:!0},n={};try{n.__proto__=ca;m=n.a;break a}catch(a){}m=!1}k=m?function(a,b){a.__proto__=b;if(a.__proto__!==b)throw new TypeError(a+" is not extensible");return a}:null} var p=k,q=function(a,b){a.prototype=ba(b.prototype);a.prototype.constructor=a;if(p)p(a,b);else for(var c in b)if("prototype"!=c)if(Object.defineProperties){var d=Object.getOwnPropertyDescriptor(b,c);d&&Object.defineProperty(a,c,d)}else a[c]=b[c];a.v=b.prototype},r=this||self,da=function(){},t=function(a){return a};var u;var w=function(a,b){this.g=b===v?a:""};w.prototype.toString=function(){return this.g+""};var v={},x=function(a){if(void 0===u){var b=null;var c=r.trustedTypes;if(c&&c.createPolicy){try{b=c.createPolicy("goog#html",{createHTML:t,createScript:t,createScriptURL:t})}catch(d){r.console&&r.console.error(d.message)}u=b}else u=b}a=(b=u)?b.createScriptURL(a):a;return new w(a,v)};var A=function(){return Math.floor(2147483648*Math.random()).toString(36)+Math.abs(Math.floor(2147483648*Math.random())^Date.now()).toString(36)};var B={},C=null;var D="function"===typeof Uint8Array;function E(a,b,c){return"object"===typeof a?D&&!Array.isArray(a)&&a instanceof Uint8Array?c(a):F(a,b,c):b(a)}function F(a,b,c){if(Array.isArray(a)){for(var d=Array(a.length),e=0;e<a.length;e++){var f=a[e];null!=f&&(d[e]=E(f,b,c))}Array.isArray(a)&&a.s&&G(d);return d}d={};for(e in a)Object.prototype.hasOwnProperty.call(a,e)&&(f=a[e],null!=f&&(d[e]=E(f,b,c)));return d} function ea(a){return F(a,function(b){return"number"===typeof b?isFinite(b)?b:String(b):b},function(b){var c;void 0===c&&(c=0);if(!C){C={};for(var d="ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789".split(""),e=["+/=","+/","-_=","-_.","-_"],f=0;5>f;f++){var h=d.concat(e[f].split(""));B[f]=h;for(var g=0;g<h.length;g++){var l=h[g];void 0===C[l]&&(C[l]=g)}}}c=B[c];d=Array(Math.floor(b.length/3));e=c[64]||"";for(f=h=0;h<b.length-2;h+=3){var y=b[h],z=b[h+1];l=b[h+2];g=c[y>>2];y=c[(y&3)<< 4|z>>4];z=c[(z&15)<<2|l>>6];l=c[l&63];d[f++]=""+g+y+z+l}g=0;l=e;switch(b.length-h){case 2:g=b[h+1],l=c[(g&15)<<2]||e;case 1:b=b[h],d[f]=""+c[b>>2]+c[(b&3)<<4|g>>4]+l+e}return d.join("")})}var fa={s:{value:!0,configurable:!0}},G=function(a){Array.isArray(a)&&!Object.isFrozen(a)&&Object.defineProperties(a,fa);return a};var H;var J=function(a,b,c){var d=H;H=null;a||(a=d);d=this.constructor.u;a||(a=d?[d]:[]);this.j=d?0:-1;this.h=null;this.g=a;a:{d=this.g.length;a=d-1;if(d&&(d=this.g[a],!(null===d||"object"!=typeof d||Array.isArray(d)||D&&d instanceof Uint8Array))){this.l=a-this.j;this.i=d;break a}void 0!==b&&-1<b?(this.l=Math.max(b,a+1-this.j),this.i=null):this.l=Number.MAX_VALUE}if(c)for(b=0;b<c.length;b++)a=c[b],a<this.l?(a+=this.j,(d=this.g[a])?G(d):this.g[a]=I):(d=this.l+this.j,this.g[d]||(this.i=this.g[d]={}),(d=this.i[a])? G(d):this.i[a]=I)},I=Object.freeze(G([])),K=function(a,b){if(-1===b)return null;if(b<a.l){b+=a.j;var c=a.g[b];return c!==I?c:a.g[b]=G([])}if(a.i)return c=a.i[b],c!==I?c:a.i[b]=G([])},M=function(a,b){var c=L;if(-1===b)return null;a.h||(a.h={});if(!a.h[b]){var d=K(a,b);d&&(a.h[b]=new c(d))}return a.h[b]};J.prototype.toJSON=function(){var a=N(this,!1);return ea(a)}; var N=function(a,b){if(a.h)for(var c in a.h)if(Object.prototype.hasOwnProperty.call(a.h,c)){var d=a.h[c];if(Array.isArray(d))for(var e=0;e<d.length;e++)d[e]&&N(d[e],b);else d&&N(d,b)}return a.g},O=function(a,b){H=b=b?JSON.parse(b):null;a=new a(b);H=null;return a};J.prototype.toString=function(){return N(this,!1).toString()};var P=function(a){J.call(this,a)};q(P,J);function ha(a){var b,c=(a.ownerDocument&&a.ownerDocument.defaultView||window).document,d=null===(b=c.querySelector)||void 0===b?void 0:b.call(c,"script[nonce]");(b=d?d.nonce||d.getAttribute("nonce")||"":"")&&a.setAttribute("nonce",b)};var Q=function(a,b){b=String(b);"application/xhtml+xml"===a.contentType&&(b=b.toLowerCase());return a.createElement(b)},R=function(a){this.g=a||r.document||document};R.prototype.appendChild=function(a,b){a.appendChild(b)};var S=function(a,b,c,d,e,f){try{var h=a.g,g=Q(a.g,"SCRIPT");g.async=!0;g.src=b instanceof w&&b.constructor===w?b.g:"type_error:TrustedResourceUrl";ha(g);h.head.appendChild(g);g.addEventListener("load",function(){e();d&&h.head.removeChild(g)});g.addEventListener("error",function(){0<c?S(a,b,c-1,d,e,f):(d&&h.head.removeChild(g),f())})}catch(l){f()}};var ia=r.atob("aHR0cHM6Ly93d3cuZ3N0YXRpYy5jb20vaW1hZ2VzL2ljb25zL21hdGVyaWFsL3N5c3RlbS8xeC93YXJuaW5nX2FtYmVyXzI0ZHAucG5n"),ja=r.atob("WW91IGFyZSBzZWVpbmcgdGhpcyBtZXNzYWdlIGJlY2F1c2UgYWQgb3Igc2NyaXB0IGJsb2NraW5nIHNvZnR3YXJlIGlzIGludGVyZmVyaW5nIHdpdGggdGhpcyBwYWdlLg=="),ka=r.atob("RGlzYWJsZSBhbnkgYWQgb3Igc2NyaXB0IGJsb2NraW5nIHNvZnR3YXJlLCB0aGVuIHJlbG9hZCB0aGlzIHBhZ2Uu"),la=function(a,b,c){this.h=a;this.j=new R(this.h);this.g=null;this.i=[];this.l=!1;this.o=b;this.m=c},V=function(a){if(a.h.body&&!a.l){var b= function(){T(a);r.setTimeout(function(){return U(a,3)},50)};S(a.j,a.o,2,!0,function(){r[a.m]||b()},b);a.l=!0}},T=function(a){for(var b=W(1,5),c=0;c<b;c++){var d=X(a);a.h.body.appendChild(d);a.i.push(d)}b=X(a);b.style.bottom="0";b.style.left="0";b.style.position="fixed";b.style.width=W(100,110).toString()+"%";b.style.zIndex=W(2147483544,2147483644).toString();b.style["background-color"]=ma(249,259,242,252,219,229);b.style["box-shadow"]="0 0 12px #888";b.style.color=ma(0,10,0,10,0,10);b.style.display= "flex";b.style["justify-content"]="center";b.style["font-family"]="Roboto, Arial";c=X(a);c.style.width=W(80,85).toString()+"%";c.style.maxWidth=W(750,775).toString()+"px";c.style.margin="24px";c.style.display="flex";c.style["align-items"]="flex-start";c.style["justify-content"]="center";d=Q(a.j.g,"IMG");d.className=A();d.src=ia;d.style.height="24px";d.style.width="24px";d.style["padding-right"]="16px";var e=X(a),f=X(a);f.style["font-weight"]="bold";f.textContent=ja;var h=X(a);h.textContent=ka;Y(a, e,f);Y(a,e,h);Y(a,c,d);Y(a,c,e);Y(a,b,c);a.g=b;a.h.body.appendChild(a.g);b=W(1,5);for(c=0;c<b;c++)d=X(a),a.h.body.appendChild(d),a.i.push(d)},Y=function(a,b,c){for(var d=W(1,5),e=0;e<d;e++){var f=X(a);b.appendChild(f)}b.appendChild(c);c=W(1,5);for(d=0;d<c;d++)e=X(a),b.appendChild(e)},W=function(a,b){return Math.floor(a+Math.random()*(b-a))},ma=function(a,b,c,d,e,f){return"rgb("+W(Math.max(a,0),Math.min(b,255)).toString()+","+W(Math.max(c,0),Math.min(d,255)).toString()+","+W(Math.max(e,0),Math.min(f, 255)).toString()+")"},X=function(a){a=Q(a.j.g,"DIV");a.className=A();return a},U=function(a,b){0>=b||null!=a.g&&0!=a.g.offsetHeight&&0!=a.g.offsetWidth||(na(a),T(a),r.setTimeout(function(){return U(a,b-1)},50))},na=function(a){var b=a.i;var c="undefined"!=typeof Symbol&&Symbol.iterator&&b[Symbol.iterator];b=c?c.call(b):{next:aa(b)};for(c=b.next();!c.done;c=b.next())(c=c.value)&&c.parentNode&&c.parentNode.removeChild(c);a.i=[];(b=a.g)&&b.parentNode&&b.parentNode.removeChild(b);a.g=null};var pa=function(a,b,c,d,e){var f=oa(c),h=function(l){l.appendChild(f);r.setTimeout(function(){f?(0!==f.offsetHeight&&0!==f.offsetWidth?b():a(),f.parentNode&&f.parentNode.removeChild(f)):a()},d)},g=function(l){document.body?h(document.body):0<l?r.setTimeout(function(){g(l-1)},e):b()};g(3)},oa=function(a){var b=document.createElement("div");b.className=a;b.style.width="1px";b.style.height="1px";b.style.position="absolute";b.style.left="-10000px";b.style.top="-10000px";b.style.zIndex="-10000";return b};var L=function(a){J.call(this,a)};q(L,J);var qa=function(a){J.call(this,a)};q(qa,J);var ra=function(a,b){this.l=a;this.m=new R(a.document);this.g=b;this.i=K(this.g,1);b=M(this.g,2);this.o=x(K(b,4)||"");this.h=!1;b=M(this.g,13);b=x(K(b,4)||"");this.j=new la(a.document,b,K(this.g,12))};ra.prototype.start=function(){sa(this)}; var sa=function(a){ta(a);S(a.m,a.o,3,!1,function(){a:{var b=a.i;var c=r.btoa(b);if(c=r[c]){try{var d=O(P,r.atob(c))}catch(e){b=!1;break a}b=b===K(d,1)}else b=!1}b?Z(a,K(a.g,14)):(Z(a,K(a.g,8)),V(a.j))},function(){pa(function(){Z(a,K(a.g,7));V(a.j)},function(){return Z(a,K(a.g,6))},K(a.g,9),K(a.g,10),K(a.g,11))})},Z=function(a,b){a.h||(a.h=!0,a=new a.l.XMLHttpRequest,a.open("GET",b,!0),a.send())},ta=function(a){var b=r.btoa(a.i);a.l[b]&&Z(a,K(a.g,5))};(function(a,b){r[a]=function(c){for(var d=[],e=0;e<arguments.length;++e)d[e-0]=arguments[e];r[a]=da;b.apply(null,d)}})("__h82AlnkH6D91__",function(a){"function"===typeof window.atob&&(new ra(window,O(qa,window.atob(a)))).start()});}).call(this); window.__h82AlnkH6D91__("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"); </script> <script src="/static/js/jquery_360.min.js?543516150322"></script> <script> // waitForTriggerHandler() is library for queuing up javascript to be stored and then executed when a trigger // function is called. You can push() any number of functions which will be stored unless and until trigger() // is called. Once trigger() is called any future functions that you push() in will be executed immediately. // It is safe to call .trigger() multiple times. Any arguments passed to .trigger() will also be passed along // to the associated function function waitForTriggerHandler() { var function_queue = []; var trigger_arguments = []; this._triggered = false; this.push = function(fn) { if (this._triggered) { // just run it immediately if handler has already been triggered fn.apply(null, trigger_arguments); } else { // otherwise add to the queue to run later function_queue.push(fn); } }; this.trigger = function() { // any arguments passed to trigger(foo, bar, baz) will also be passed along to functions in the queue // first convert any arguments to an array trigger_arguments = Array.prototype.slice.call(arguments); while (function_queue.length){ // for each function in the queue, pop it off and then execute it while passing in any // args that may have been passed to trigger(). function_queue.pop().apply(null, trigger_arguments); // The "null" above is for the value of "this". // See https://developer.mozilla.org/en-US/docs/Web/JavaScript/Reference/Global_Objects/Function/apply#Parameters } this._triggered = true; } } // set up waitToLoadAds handler window.waitToLoadAds = new waitForTriggerHandler(); // We set up the triggers for this below, they depend on whether we're loading lytics on the page </script> <script type="text/javascript"> // This token is here for test_lytics_snippet.py test: lytics-is-enabled window.googletag = window.googletag || {}; googletag.cmd = googletag.cmd || []; // initialize callback (source: https://learn.lytics.com/product-docs/lytics-javascript-tag/receiving-data-from-lytics) !function(){"use strict";var o=window.jstag||(window.jstag={}),r=[];function n(e){o[e]=function(){for(var n=arguments.length,t=new Array(n),i=0;i<n;i++)t[i]=arguments[i];r.push([e,t])}}n("send"),n("mock"),n("identify"),n("pageView"),n("unblock"),n("getid"),n("setid"),n("loadEntity"),n("getEntity"),n("on"),n("once"),n("call"),o.loadScript=function(n,t,i){var e=document.createElement("script");e.async=!0,e.src=n,e.onload=t,e.onerror=i;var o=document.getElementsByTagName("script")[0],r=o&&o.parentNode||document.head||document.body,c=o||r.lastChild;return null!=c?r.insertBefore(e,c):r.appendChild(e),this},o.init=function n(t){return this.config=t,this.loadScript(t.src,function(){if(o.init===n)throw new Error("Load error!");o.init(o.config),function(){for(var n=0;n<r.length;n++){var t=r[n][0],i=r[n][1];o[t].apply(o,i)}r=void 0}()}),this}}(); // custom init + lytics default install tag from https://activate.getlytics.com/connect?aid=2751 // see https://learn.lytics.com/understanding/product-docs/lytics-javascript-tag/configuration#configuration-options var lyticsCid = '44fda7674f94228540d8fba6786f9770'; console.log('You are using the Lytics Prod account'); jstag.init({ src: `https://c.lytics.io/api/tag/${lyticsCid}/latest.min.js`, pageAnalysis: { dataLayerPull: { disabled: true } } }); jstag.pageView(); (function(){ var sailthru_cookie, sailthru_user_id; function read_cookie(cookieName) { var re = new RegExp('[; ]'+cookieName+'=([^\\s;]*)'); var sMatch = (' '+document.cookie).match(re); if (cookieName && sMatch) return unescape(sMatch[1]); return ''; } sailthru_cookie = read_cookie('sailthru_hid'); if (sailthru_cookie.length > 56) { sailthru_user_id = sailthru_cookie.slice(32,56); jstag.send({ st_profile_id: sailthru_user_id }); } })(); jstag.call('entityReady', waitToLoadAds.trigger); setTimeout(waitToLoadAds.trigger, 1000); // also trigger lytics if it's taking too long waitToLoadAds.push(function (lytics_data) { // lytics_data won't be defined if lytics failed to load correctly. In that case // we don't need to set any segments. if (lytics_data && lytics_data.segments) { googletag.cmd.push(function() { googletag.pubads().setTargeting("LyticsSegments", lytics_data.segments); }); } }); function getUID(id) { window.dataLayer.push({'user_id': id}); }; jstag.getid(getUID); </script> <script type="text/javascript" src="/static/js/mailcheck.min.js?192616240919"></script> <script type="text/javascript" src="/static/js/dive_mailcheck.js?192616240919"></script> <script src="/static/js/app.js?040116120224"></script> <script type="text/javascript"> var divecounter_settings = {}; divecounter_settings.showSignupAd = true; </script> <script type="text/javascript" src="/static/js/divecounter.js?261616040423"></script> <script type="text/javascript"> // Special unbounce signup thing for google traffic. Test with ?test_unbounce in the URL // Note: divecounter must already be loaded. Only enabled on pages that would normally have signup ads // Note: showSignupAd is always off if prestitial is enabled! if ((typeof divecounter !== "undefined") && ($(window).width() > 640)) { var test_unbounce = (window.location.href.indexOf("?test_unbounce")>=0); var force_unbounce = (window.location.href.indexOf("signupbounce=1")>=0) || (window.location.href.indexOf("utm_campaign=Linked-HR")>=0) || (window.location.href.indexOf("utm_source=outbrain")>=0); if (test_unbounce || force_unbounce || (document.referrer.match(/^https?:\/\/(www\.google\.|news\.google\.|t\.co|twitter\.com|www\.facebook\.com)/i) && divecounter.getOption('showSignupAd') && divecounter.canShow(1,1)) ) { // dyanmically load ouibounce.js only on pages where its needed $.getScript("/static/js/ouibounce.min.js?102717100918", function(){ // Once ouibounce.js loads, call the script // We're reusing divecounter's modal instead of OuiBounce's modal code (that's why we pass it 'false') var _ouibounce = ouibounce(false, { aggressive: test_unbounce, // ignore cookie in test mode cookieName: '_viewedOuiBounce', // underscored cookies should be ignored by Varnish callback: function() { divecounter_open_ad(); } }); }); } // end should show unbounce } // end divecounter defined </script> <script type="text/javascript"> // Load analytics.js (universal analytics) first (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){ (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); // set all the variables that are per-session or per-visit ga( 'create', 'UA-19684343-59', 'auto', {'name': 'orig'}, {'siteSpeedSampleRate': 2} ); // Set the same variables for aggregate data profile ga( 'create', 'UA-19684343-45', 'auto', {'name': 'agg'}, {'siteSpeedSampleRate': 2} ); //GA.js for tracking outbound links function trackOutboundLink(link, category, action, redirect) { try{ ga('orig.send', 'event', category, action); } catch(err) {} try{ ga('agg.send', 'event', category, action); } catch(err) {} //Timer to prevent redirect before processing data - not necessary if opening tab in new window if(redirect){ setTimeout(function(){ document.location.href = link.href; }, 100); } } $(document).ready(function() { $(".outboundlink").click(function() { trackOutboundLink(this, 'outboundlink', this.link, this.target != '_blank'); }); }); var diveSendPageviewEvent = true; if (diveSendPageviewEvent === true) { ga('orig.send', 'pageview'); ga('agg.send', 'pageview'); console.log('Queued sending of the pageview event to Google Analytics.'); } else { console.log('Sending the Google Analytics pageview event is disabled for this page.'); } // Actually track outbound links // Not sure if this is being used? var trackOutboundRegisterLink = function (url) { ga('agg.send', 'event', 'event_register', url, 'Registered for event', {'hitCallback': function () { document.location = url; } }); }; // Not sure if this is being used? var trackOutboundWebsiteLink = function (url) { // No need to manually change document.location; website opens in new tab ga('agg.send', 'event', 'event_website', url, 'Visited event site'); }; </script> <script type="module" src="/static/js/dist/googleAnalyticsHelper.bundle.js?081516261124" ></script> <!-- Start VWO Async SmartCode --> <link rel="preconnect" href="https://dev.visualwebsiteoptimizer.com" /> <script type='text/javascript' data-cfasync="false" id='vwoCode'> window._vwo_code || (function() { var account_id=796876, version=2.0, settings_tolerance=2000, hide_element='body', hide_element_style = 'opacity:0 !important;filter:alpha(opacity=0) !important;background:none !important', /* DO NOT EDIT BELOW THIS LINE */ f=false,w=window,d=document,v=d.querySelector('#vwoCode'),cK='_vwo_'+account_id+'_settings',cc={};try{var c=JSON.parse(localStorage.getItem('_vwo_'+account_id+'_config'));cc=c&&typeof c==='object'?c:{}}catch(e){}var stT=cc.stT==='session'?w.sessionStorage:w.localStorage;code={use_existing_jquery:function(){return typeof use_existing_jquery!=='undefined'?use_existing_jquery:undefined},library_tolerance:function(){return typeof library_tolerance!=='undefined'?library_tolerance:undefined},settings_tolerance:function(){return cc.sT||settings_tolerance},hide_element_style:function(){return'{'+(cc.hES||hide_element_style)+'}'},hide_element:function(){return typeof cc.hE==='string'?cc.hE:hide_element},getVersion:function(){return version},finish:function(){if(!f){f=true;var e=d.getElementById('_vis_opt_path_hides');if(e)e.parentNode.removeChild(e)}},finished:function(){return f},load:function(e){var t=this.getSettings(),n=d.createElement('script'),i=this;if(t){n.textContent=t;d.getElementsByTagName('head')[0].appendChild(n);if(!w.VWO||VWO.caE){stT.removeItem(cK);i.load(e)}}else{n.fetchPriority='high';n.src=e;n.type='text/javascript';n.onerror=function(){_vwo_code.finish()};d.getElementsByTagName('head')[0].appendChild(n)}},getSettings:function(){try{var e=stT.getItem(cK);if(!e){return}e=JSON.parse(e);if(Date.now()>e.e){stT.removeItem(cK);return}return e.s}catch(e){return}},init:function(){if(d.URL.indexOf('__vwo_disable__')>-1)return;var e=this.settings_tolerance();w._vwo_settings_timer=setTimeout(function(){_vwo_code.finish();stT.removeItem(cK)},e);var t=d.currentScript,n=d.createElement('style'),i=this.hide_element(),r=t&&!t.async&&i?i+this.hide_element_style():'',c=d.getElementsByTagName('head')[0];n.setAttribute('id','_vis_opt_path_hides');v&&n.setAttribute('nonce',v.nonce);n.setAttribute('type','text/css');if(n.styleSheet)n.styleSheet.cssText=r;else n.appendChild(d.createTextNode(r));c.appendChild(n);this.load('https://dev.visualwebsiteoptimizer.com/j.php?a='+account_id+'&u='+encodeURIComponent(d.URL)+'&vn='+version)}};w._vwo_code=code;code.init();})(); </script> <!-- End VWO Async SmartCode --> <script type="text/javascript"> function read_cookie(cookieName) { var re = new RegExp('[; ]'+cookieName+'=([^\\s;]*)'); var sMatch = (' '+document.cookie).match(re); if (cookieName && sMatch) return unescape(sMatch[1]); return ''; } var script = document.createElement('script'); script.type = 'text/javascript'; script.async = true; script.addEventListener('load', function(e) { // we only pass the template this context variable on newsposts let informaData = false; if (window.IIRISTracker) { var sailthru_id = read_cookie('sailthru_hid'); if (sailthru_id.length > 56) { sailthru_id = sailthru_id.slice(32,56); } var notProduction = 'False' === 'True'; var domain = 'www.bankingdive.com'.split('.')[1]; // on non-prod environment, there is specific collector domain to send the data to. var cDomain = notProduction ? 'com-informa-prod1.mini.snplow.net' : 'c.' + domain + '.com' // removed .com previous line var cfg = { config: { td: {}, snowplow: { context: {} } } }; cfg.config.idsource = 'sailthruid'; cfg.config.snowplow.appId = domain; cfg.config.snowplow.cDomain = cDomain; cfg.config.td.lob = 'it'; cfg.config.td.domain = domain; cfg.config.snowplow.contentTagEnabled = !!informaData cfg.config.snowplow.context = informaData window.IIRISTracker.initConfig(cfg); window.IIRISTracker.setTrackingUID(sailthru_id); var irisEvt = new Event('trackerLoaded'); window.dispatchEvent(irisEvt); } else { window.addEventListener('trackerLoaded', function(evt) { if(window.IIRISTracker) { window.IIRISTracker.setTrackingUID(sailthru_id); } }); } }); script.src = 'https://static.iris.informa.com/widgets/v3.0/iris-t.js'; document.getElementsByTagName('head')[0].appendChild(script); </script> <script type="text/javascript"> jQuery.browser = {}; (function () { jQuery.browser.msie = false; jQuery.browser.version = 0; if (navigator.userAgent.match(/MSIE ([0-9]+)\./)) { jQuery.browser.msie = true; jQuery.browser.version = RegExp.$1; } })(); </script> <!-- for modal signup form --> <script type="text/javascript" src="/static/js/jquery.simplemodal.divefork.min.js?093716120922"></script> <style> /* dynamic style overrides based on DB go here*/ </style> <script data-cfasync="false" type="text/javascript" src="/static/js/prestitial.js?270116210524"></script> <script async src="https://securepubads.g.doubleclick.net/tag/js/gpt.js"></script> <script src="/static/js/dist/signupDataGam.bundle.js?081516261124"></script> <script type="text/javascript" src="/static/js/dist/adTemplates.bundle.js?081516261124"></script> <script> var eventMethod = window.addEventListener ? "addEventListener" : "attachEvent"; var eventer = window[eventMethod]; var messageEvent = eventMethod == "attachEvent" ? "onmessage" : "message"; // Build the site_logos object to be later referenced in house ads const site_logos = {}; site_logos['diveapi'] = { domain: 'diveapi', site_name: "API Site", alt_text: "API Site logo", is_current_site: false, white: { png: "None", svg: "None", }, black: { png: "None", svg: "None", } }; site_logos['agriculturedive'] = { domain: 'agriculturedive', site_name: "Agriculture Dive", alt_text: "Agriculture Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/agriculture_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/agriculture_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/agriculture_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/agriculture_black.svg", } }; site_logos['automotivedive'] = { domain: 'automotivedive', site_name: "Automotive Dive", alt_text: "Automotive Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/automotive_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/automotive_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/automotive_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/automotive_black.svg", } }; site_logos['bankingdive'] = { domain: 'bankingdive', site_name: "Banking Dive", alt_text: "Banking Dive logo", is_current_site: true, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/banking_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/banking_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/banking_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/banking_black.svg", } }; site_logos['biopharmadive'] = { domain: 'biopharmadive', site_name: "BioPharma Dive", alt_text: "BioPharma Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/biopharma_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/biopharma_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/biopharma_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/biopharma_black.svg", } }; site_logos['cfo'] = { domain: 'cfo', site_name: "CFO.com", alt_text: "CFO.com logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfodotcom_white.svg", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfodotcom_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfodotcom_black.svg", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfodotcom_black.svg", } }; site_logos['cfodive'] = { domain: 'cfodive', site_name: "CFO Dive", alt_text: "CFO Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfo_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfo_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfo_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cfo_black.svg", } }; site_logos['ciodive'] = { domain: 'ciodive', site_name: "CIO Dive", alt_text: "CIO Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cio_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cio_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cio_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cio_black.svg", } }; site_logos['constructiondive'] = { domain: 'constructiondive', site_name: "Construction Dive", alt_text: "Construction Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/construction_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/construction_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/construction_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/construction_black.svg", } }; site_logos['cstoredive'] = { domain: 'cstoredive', site_name: "C-Store Dive", alt_text: "C-Store Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cstore_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cstore_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cstore_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cstore_black.svg", } }; site_logos['customerexperiencedive'] = { domain: 'customerexperiencedive', site_name: "CX Dive", alt_text: "CX Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cx_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cx_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cx_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cx_black.svg", } }; site_logos['cybersecuritydive'] = { domain: 'cybersecuritydive', site_name: "Cybersecurity Dive", alt_text: "Cybersecurity Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cybersecurity_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cybersecurity_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cybersecurity_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/cybersecurity_black.svg", } }; site_logos['educationdive'] = { domain: 'educationdive', site_name: "Education Dive", alt_text: "Education Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/education_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/education_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/education_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/education_black.svg", } }; site_logos['esgdive'] = { domain: 'esgdive', site_name: "ESG Dive", alt_text: "ESG Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/esg_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/esg_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/esg_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/esg_black.svg", } }; site_logos['facilitiesdive'] = { domain: 'facilitiesdive', site_name: "Facilities Dive", alt_text: "Facilities Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/facilities_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/facilities_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/facilities_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/facilities_black.svg", } }; site_logos['fashiondive'] = { domain: 'fashiondive', site_name: "Fashion Dive", alt_text: "Fashion Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/fashion_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/fashion_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/fashion_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/fashion_black.svg", } }; site_logos['fooddive'] = { domain: 'fooddive', site_name: "Food Dive", alt_text: "Food Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/food_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/food_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/food_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/food_black.svg", } }; site_logos['grocerydive'] = { domain: 'grocerydive', site_name: "Grocery Dive", alt_text: "Grocery Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/grocery_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/grocery_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/grocery_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/grocery_black.svg", } }; site_logos['healthcaredive'] = { domain: 'healthcaredive', site_name: "Healthcare Dive", alt_text: "Healthcare Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/healthcare_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/healthcare_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/healthcare_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/healthcare_black.svg", } }; site_logos['highereddive'] = { domain: 'highereddive', site_name: "Higher Ed Dive", alt_text: "Higher Ed Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/highered_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/highered_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/highered_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/highered_black.svg", } }; site_logos['hoteldive'] = { domain: 'hoteldive', site_name: "Hotel Dive", alt_text: "Hotel Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hotel_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hotel_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hotel_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hotel_black.svg", } }; site_logos['hrdive'] = { domain: 'hrdive', site_name: "HR Dive", alt_text: "HR Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hr_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hr_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hr_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/hr_black.svg", } }; site_logos['k12dive'] = { domain: 'k12dive', site_name: "K-12 Dive", alt_text: "K-12 Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/k12_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/k12_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/k12_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/k12_black.svg", } }; site_logos['legaldive'] = { domain: 'legaldive', site_name: "Legal Dive", alt_text: "Legal Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/legal_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/legal_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/legal_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/legal_black.svg", } }; site_logos['manufacturingdive'] = { domain: 'manufacturingdive', site_name: "Manufacturing Dive", alt_text: "Manufacturing Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/manufacturing_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/manufacturing_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/manufacturing_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/manufacturing_black.svg", } }; site_logos['marketingdive'] = { domain: 'marketingdive', site_name: "Marketing Dive", alt_text: "Marketing Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/marketing_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/marketing_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/marketing_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/marketing_black.svg", } }; site_logos['medtechdive'] = { domain: 'medtechdive', site_name: "MedTech Dive", alt_text: "MedTech Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/medtech_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/medtech_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/medtech_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/medtech_black.svg", } }; site_logos['mobilemarketer'] = { domain: 'mobilemarketer', site_name: "Mobile Marketer", alt_text: "Mobile Marketer logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/mobilemarketer_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/mobilemarketer_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/mobilemarketer_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/mobilemarketer_black.svg", } }; site_logos['multifamilydive'] = { domain: 'multifamilydive', site_name: "Multifamily Dive", alt_text: "Multifamily Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/multifamily_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/multifamily_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/multifamily_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/multifamily_black.svg", } }; site_logos['packagingdive'] = { domain: 'packagingdive', site_name: "Packaging Dive", alt_text: "Packaging Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/packaging_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/packaging_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/packaging_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/packaging_black.svg", } }; site_logos['paymentsdive'] = { domain: 'paymentsdive', site_name: "Payments Dive", alt_text: "Payments Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/payments_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/payments_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/payments_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/payments_black.svg", } }; site_logos['pharmavoice'] = { domain: 'pharmavoice', site_name: "PharmaVoice", alt_text: "PharmaVoice logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/pharmavoice_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/pharmavoice_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/pharmavoice_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/pharmavoice_black.svg", } }; site_logos['proformative'] = { domain: 'proformative', site_name: "Proformative", alt_text: "Proformative logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/proformative_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/proformative_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/proformative_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/proformative_black.svg", } }; site_logos['restaurantdive'] = { domain: 'restaurantdive', site_name: "Restaurant Dive", alt_text: "Restaurant Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/restaurant_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/restaurant_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/restaurant_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/restaurant_black.svg", } }; site_logos['retaildive'] = { domain: 'retaildive', site_name: "Retail Dive", alt_text: "Retail Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/retail_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/retail_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/retail_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/retail_black.svg", } }; site_logos['smartcitiesdive'] = { domain: 'smartcitiesdive', site_name: "Smart Cities Dive", alt_text: "Smart Cities Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smartcities_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smartcities_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smartcities_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smartcities_black.svg", } }; site_logos['socialmediatoday'] = { domain: 'socialmediatoday', site_name: "Social Media Today", alt_text: "Social Media Today logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smt_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smt_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smt_color.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/smt_color.svg", } }; site_logos['supplychaindive'] = { domain: 'supplychaindive', site_name: "Supply Chain Dive", alt_text: "Supply Chain Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/supplychain_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/supplychain_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/supplychain_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/supplychain_black.svg", } }; site_logos['truckingdive'] = { domain: 'truckingdive', site_name: "Trucking Dive", alt_text: "Trucking Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/trucking_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/trucking_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/trucking_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/trucking_black.svg", } }; site_logos['utilitydive'] = { domain: 'utilitydive', site_name: "Utility Dive", alt_text: "Utility Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/utility_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/utility_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/utility_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/utility_black.svg", } }; site_logos['wastedive'] = { domain: 'wastedive', site_name: "Waste Dive", alt_text: "Waste Dive logo", is_current_site: false, white: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/waste_white.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/waste_white.svg", }, black: { png: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/waste_black.png", svg: "https://d12v9rtnomnebu.cloudfront.net/logo/publications/waste_black.svg", } }; // Get the dive domain and return the dive logo object, or null if it doesn't exist in site_logos function getDivesiteLogoObject(link_url, alt_domain='') { let dive_domain; // Split link URL on 'adurl=' and take what comes after as the ad url const ad_url = decodeURIComponent(link_url.split('adurl=')[1]); // Split on . to get an array of hostname segments const dive_domain_array = new URL(ad_url).hostname.split('.'); // Retrieve the second to last element of the hostname array, which should always be the domain dive_domain = dive_domain_array[dive_domain_array.length - 2] if (alt_domain) { // If alt_domain has been specified, normalize it. i.e. "HR Dive", "http://hrdive.com", etc. => "hrdive" // This will override the link url's domain. dive_domain = alt_domain.replace(/\s+/g, '').replace(/^(https?:\/\/)?(www\.)?|\.com.*|\?.*|#.*/gi, '').toLowerCase(); } // Return the site logos object for this domain if it exists, or null if it does not if (site_logos[dive_domain]) { return site_logos[dive_domain]; } else { // Fallback logo const url_prefix = "https://d12v9rtnomnebu.cloudfront.net/divesite/responsive_ad_assets/small_logos/"; return { domain: 'industrydive', site_name: 'Industry Dive', alt_text: 'Industry Dive logo', white: { svg: url_prefix + 'industrydive-small-white.svg', png: url_prefix + 'industrydive-small-white.png', }, black: { svg: url_prefix + 'industrydive-small-black.svg', png: url_prefix + 'industrydive-small-black.png', } } } } eventer(messageEvent, function (e) { var key = e.message ? "message" : "data"; var data = e[key]; var eventName = data.message || 'ignore'; if (eventName == 'adContentAvailable') { var $ad_element; $ad_element = $('div').filter('[data-container-ad-unit-id="' + data.adUnit + '-' + window.dfp_visibility + '"]'); $ad_element.hide() var nativeAdEditorialSelector = '.sidebar .hybrid-ad-wrapper .native-ad-editorial'; var nativeAdEditorialExists = $(nativeAdEditorialSelector).length > 0; if ( nativeAdEditorialExists ) { $(nativeAdEditorialSelector).closest('.hybrid-ad-wrapper').addClass('native-ad-editorial-sidebar-border'); } // Inline homepage ad $('.feed-item-ad .hybrid-ad-wrapper a').each(function (index, element) { window.updateGamAdUrl(element, 'inline'); }); // Editorial native ad sidebar // NOTE: must go before inline native ad to ensure correct location added $('.sidebar .native-ad.editorial a').each(function (index, element) { window.updateGamAdUrl(element, 'sidebar'); }); // Editorial native ad inline $('.native-ad.editorial a').each(function (index, element) { window.updateGamAdUrl(element, 'inline'); }); // Sidebar ad $('.sidebar .hybrid-ad-wrapper a').each(function (index, element) { window.updateGamAdUrl(element, 'sidebar'); }); } }, false); var googletag = googletag || {}; googletag.cmd = googletag.cmd || []; googletag.cmd.push(function () { var desktopWidth = 1024; if (window.innerWidth >= desktopWidth) { window.dfp_visibility = 'desktop'; } else { window.dfp_visibility = 'mobile'; } var dfpDisplayConfiguration = { "prestitialEnabled": true, "leaderboardEnabled": true, "sidebarAdsEnabled": true, "visibility": window.dfp_visibility }; if (window.dfp_visibility == 'desktop') { if (typeof prestitialAds == 'object' && prestitialAds.pageIsPrestitialEligible()) { googletag.defineSlot('/21662595662/bankingdive/bankingdiveprestitial', [[500, 300], [640, 480]], 'paychekgoeshere').addService(googletag.pubads()); } if (dfpDisplayConfiguration.leaderboardEnabled) { googletag.defineSlot('/21662595662/bankingdive/bankingdiveleaderboard', [[970, 180], [728, 90], [970, 90]], 'dfp-leaderboard-desktop').addService(googletag.pubads()); googletag.pubads().addEventListener('slotRenderEnded', function (event) { if ((event.slot.getAdUnitPath() === '/21662595662/bankingdive/bankingdiveleaderboard' || event.slot.getAdUnitPath() === '/21662595662/bankingdive/bankingdiveleaderboard') && !event.isEmpty ) { $(window).blur(function () { if (document.activeElement === $('#dfp-leaderboard-desktop iframe')[0] || document.activeElement === $('#dfp-leaderboard-desktop iframe')[0]) { try { localStorage.setItem('leaderboard_signup_path', document.location.pathname); } catch (e) { // local storage could not be available due to privacy settings or something } } }); } }); } if (dfpDisplayConfiguration.sidebarAdsEnabled) { googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid1', [[300, 250], 'fluid', [160, 600]], 'dfp-hybrid1-desktop').addService(googletag.pubads()); } googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid2', [[300, 250], 'fluid'], 'dfp-hybrid2-desktop').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid3', [[300, 250], 'fluid'], 'dfp-hybrid3-desktop').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid4', [[300, 250], 'fluid'], 'dfp-hybrid4-desktop').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivethankyouhybrid1', ['fluid'], 'dfp-thankyouhybrid1-desktop').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivethankyouhybrid2', ['fluid'], 'dfp-thankyouhybrid2-desktop').addService(googletag.pubads()); } else { googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid1', [[300, 250], 'fluid'], 'dfp-hybrid1-mobile').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid2', [[300, 250], 'fluid'], 'dfp-hybrid2-mobile').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid3', [[300, 250], 'fluid'], 'dfp-hybrid3-mobile').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivehybrid4', [[300, 250], 'fluid'], 'dfp-hybrid4-mobile').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivethankyouhybrid1', ['fluid'], 'dfp-thankyouhybrid1-mobile').addService(googletag.pubads()); googletag.defineSlot('/21662595662/bankingdive/bankingdivethankyouhybrid2', ['fluid'], 'dfp-thankyouhybrid2-mobile').addService(googletag.pubads()); } if ((typeof divecounter !== "undefined") && (divecounter.getData().is_subscriber)) { googletag.pubads().setTargeting("is_subscriber", "yes"); } var site = window.location.host; googletag.pubads().setTargeting("site", site); var first_path = window.location.pathname.split( '/' )[1]; googletag.pubads().setTargeting("first_path", first_path); // Set ad targeting on the trendline to show the ads designated for it var isTopicPage = window.location.pathname.indexOf('/topic/') !== -1; if(isTopicPage) { googletag.pubads().setTargeting('is_topics_page', 'true'); } googletag.pubads().setCentering(true); googletag.pubads().collapseEmptyDivs(false); // Whether to collapse the slots even before the ads are fetched. googletag.pubads().enableSingleRequest(); googletag.enableServices(); }); </script> <script>window.fallbackAds = '[{\u0022adType\u0022: \u0022editorial_native_ad\u0022, \u0022link\u0022: \u0022/trendline/artificial\u002Dintelligence/418/?utm_source\u003DBD\u0026utm_medium\u003DNativeFB\u0026utm_campaign\u003DTrendlineFB\u0022, \u0022label\u0022: \u0022Trendline\u0022, \u0022image\u0022: \u0022https://imgproxy.divecdn.com/bCjWnnA1VVA_RqNS20TveXoUBhyrbnkaP0aKSYB3\u002Dmo/g:ce/rs:fit:212:100/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9BSV9wcm9jZXNzb3IuanBn.webp\u0022, \u0022attribution\u0022: \u0022\u0022, \u0022headline\u0022: \u0022The growing use of AI in banking\u0022, \u0022ctaText\u0022: \u0022Access now\u0022, \u0022description\u0022: \u0022Banks are enthusiastic about AI\u005Cu2019s promises. But can they get customers on board, and will regulators let the innovation happen?\u0022}]'</script> <script type="module" src="/static/js/dist/onBoardDiagnostics.bundle.js?081516261124" ></script> <!-- NEW RELIC SYNTHETICS CANARY --> </head> <body class="opinion-page"> <!-- Accessibility skip-nav link --> <a href="#skip-link-target" class="button button--loud skip-nav-link" tabindex="1">Skip to main content</a> <!-- Google Tag Manager (noscript) --> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-55G8WRR" height="0" width="0" style="display:none;visibility:hidden"> </iframe></noscript> <!-- End Google Tag Manager (noscript) --> <div id="prestitial-init" style="display: none;" class="prestitial-init"></div> <div id="prestitial-outer" class="prestitial content-overlay" style="display:none;"> <section class="site-menu" aria-label="Site menu"> <div class="site-menu-inner"> <img src="https://d12v9rtnomnebu.cloudfront.net/logo/publications/banking_black.svg" alt="Banking Dive" class="pub-logo"> </div> </section> <section class="paychek-page-wrapper row"> <div class="paychek-button large-4 large-push-8 columns"> <div> CONTINUE TO SITE ➞ </div> </div> <div class="paychek large-8 large-pull-4 columns"> <div id="paychekgoeshere"></div> <script data-cfasync="false" type="text/javascript"> if (typeof prestitialAds !== 'undefined' && prestitialAds.pageIsPrestitialEligible()) { prestitialAds.showOverlay(); } </script> <script type="text/javascript"> if (typeof prestitialAds !== 'undefined' && prestitialAds.pageIsPrestitialEligible()) { prestitialAds.initialize(7); prestitialAds.setPrestitialPossibleCookie(); var prestitial_ad_is_loaded = false; var prestitial_ad_is_empty = false; googletag.cmd.push(function () { googletag.pubads().addEventListener('slotRenderEnded', function (event) { if (event.slot.getAdUnitPath() == '/21662595662/bankingdive/bankingdiveprestitial') { if (event.isEmpty || prestitialAds.testingNoAd()) { prestitial_ad_is_empty = true; prestitialAds.closePrestitial(); } else { prestitial_ad_is_loaded = true; $.modal.close(); $('div#prestitial-init').hide(); // hide the all white overlay prestitialAds.setCookie( "_prestitialViewed", (new Date()).getTime(), prestitialAds.daysBetweenPrestitial ); } } }); }); if (prestitialAds.testingNoAd()) { } else { waitToLoadAds.push(function() { googletag.cmd.push(function () { googletag.display('paychekgoeshere'); }); }); } setTimeout( function () { if (!prestitial_ad_is_loaded && !prestitialAds.overrideTimeout()) { if (!prestitial_ad_is_empty) { // if the prestitial is already hidden, then don't hide it again. if (!prestitialAds.prestitialAdIsClosed()) { prestitialAds.closePrestitial(); prestitialAds.logClosePrestitialAdBy('failed'); } } } else if (!prestitialAds.overrideTimeout()) { setTimeout( function () { // if the prestitial is already hidden, then don't hide it again. if (!prestitialAds.prestitialAdIsClosed()) { prestitialAds.closePrestitial(); prestitialAds.logClosePrestitialAdBy('timeout'); } }, prestitialAds.timeoutSeconds() ); } else { } }, 2900 ); prestitialAds.sentPrestitialEligibleEvent(); } else if (typeof prestitialAds !== 'undefined' && !prestitialAds.pageIsPrestitialEligible()){ prestitialAds.closePrestitial(); } </script> </div> </section> </div> <div id="signup-inter" class="modal_dialog" style="display:none;"> <form id="signup-inter-form" class="form-basic" name="signup-inter-form" action="/signup/" method="POST"> <input type="hidden" name="signup_box_location" value="interstitial"> <input type="hidden" name="signup_initial_url_path" value=""> <h1> Don't miss tomorrow's banking industry news </h1> <p class="interstitial-text"> Let Banking Dive's free newsletter keep you informed, straight from your inbox. </p> <p class="form-error__message" id="interstitial-error"></p> <div id="form-interstitial"> <input type="email" name="email" placeholder="Work email address" class="email" required id="id_f8ebd2_email"> <div id="newsletter-list-section"> <ul id="id_f8ebd2_site_newsletters" class="list-no-bullets"> <li><label for="id_f8ebd2_site_newsletters_0"><input type="checkbox" name="site_newsletters" value="760" class="list-no-bullets" id="id_f8ebd2_site_newsletters_0"> Daily Dive <span class="secondary-label">M-F</span></label> </li> <li><label for="id_f8ebd2_site_newsletters_1"><input type="checkbox" name="site_newsletters" value="3172" class="list-no-bullets" id="id_f8ebd2_site_newsletters_1"> Fintech Weekly <span class="secondary-label">Every Wednesday</span></label> </li> </ul> </div> <div id="interstitial-consent-container"> <input name="user_consent" value="1" id="id_user_consent" type="checkbox"> <span> By signing up to receive our newsletter, you agree to our <a href="https://www.industrydive.com/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://www.industrydive.com/privacy-policy/" target="_blank">Privacy Policy</a>. You can unsubscribe at anytime. </span> </div> </div> <input id="signup-inter-submit" class="email_submit submit button" type="submit" data-role="none" value="Subscribe today"> </form> </div> <!-- leaderboard --> <div class="leaderboard-wrap"> <div class="hide-small show-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdiveleaderboard-desktop"></div> <div id='dfp-leaderboard-desktop' style="min-height: 90px"> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'desktop') { googletag.display('dfp-leaderboard-desktop'); } }) }); </script> </div> </div> </div> <div class="page-container"> <header role="banner"> <nav id="top" class="site-menu" aria-label="Site menu"> <div class="site-menu-inner"> <!-- logo --> <div class="pub-logo-wrapper"> <a href="/" class="analytics t-dash-navigation"> <img class="pub-logo" src="https://d12v9rtnomnebu.cloudfront.net/logo/publications/banking_black.svg" alt="Banking Dive" height="28"> </a> </div> <!-- desktop menu, not visible on mobile/tablet --> <div class="menu-content-wrapper"> <ul class="desktop-menu-main"> <li> <a href="/deep-dive/" class="nav-menu-item analytics t-deepdive-navigation">Deep Dive</a> </li> <li> <a href="/opinion/" class="nav-menu-item analytics t-opinion-navigation">Opinion</a> </li> <li> <a href="/library/" class="nav-menu-item analytics t-library-navigation">Library</a> </li> <li> <a href="/events/" class="nav-menu-item analytics t-events-navigation">Events</a> </li> <li> <a href="/press-release/" class="nav-menu-item analytics t-press-releases-navigation">Press Releases</a> </li> <li class="topics top-nav-dropdown-item"> <button class="nav-menu-item topics-dropdown-item"> Topics <span class="dropdown-toggle-arrow"></span> </button> </li> </ul> <!-- mobile menu toggle icon, not visible on desktop --> <a href="/signup/?signup_location=header" class="nav-menu-item nav-signup-button mobile-nav-signup-button analytics t-signup-navigation button"> Sign up </a> <button class="mobile-menu-toggle"> <img src="/static/img/menu_icons/menu.svg?273117231121" alt="menu" loading="lazy"> </button> <!-- newsletter and search, only shown on desktop --> <ul class="desktop-menu-sub list-no-bullets"> <li> <button class="search-toggle search-button-front analytics t-search-navigation-top"> <img src="/static/img/menu_icons/search.svg?320116291121" alt="search" width="16" height="16" loading="lazy"> <span class="sub-link">Search</span> </button> </li> <li> <a href="/signup/?signup_location=header" class="nav-menu-item nav-signup-button desktop-nav-signup-button analytics t-signup-navigation button"> <img src="/static/img/email_icons/mail.svg?273117231121" width="16" height="11" loading="lazy" alt=""> Sign up </a> </li> </ul> </div> </div> </nav> </header> <div class="menu-search js-search-hide"> <div class="menu-search-inner-wrapper row"> <form action="/search/" method="GET" data-ajax="false"> <label for="search-desktop"> <span class="screen-reader-text search">Search</span> </label> <input id="search-desktop" type="search" name="q" placeholder="Search" data-role="none"> <button type="submit" value="" data-role="none" class="search-button-front analytics t-search-navigation-drawer"> <img src="/static/img/menu_icons/search.svg?320116291121" alt="search" height="16" width="16" loading="lazy"> </button> <img class="close" src="/static/img/menu_icons/close.svg?273117231121" width="16" height="16" alt="close search" loading="lazy"> </form> </div> </div> <nav class="topics menu-bar" aria-label="Menu bar"> <ul class="list-no-bullets"> <li> <a class="analytics t-topic-navigation-commercial" href="/topic/commercial/">Commercial</a> </li> <li> <a class="analytics t-topic-navigation-retail" href="/topic/retail/">Retail</a> </li> <li> <a class="analytics t-topic-navigation-credit-unions" href="/topic/credit-unions/">Credit Unions</a> </li> <li> <a class="analytics t-topic-navigation-payments" href="/topic/payments/">Payments</a> </li> <li> <a class="analytics t-topic-navigation-regulations-policy" href="/topic/regulations-policy/">Regulations & Policy</a> </li> <li> <a class="analytics t-topic-navigation-technology" href="/topic/technology/">Technology</a> </li> <li> <a class="analytics t-topic-navigation-risk" href="/topic/risk/">Risk</a> </li> <li> <a class="analytics t-topic-navigation-fintech" href="/topic/fintech/">Fintech</a> </li> </ul> </nav> <script type="module" src="/static/js/dist/navSignupHelper.bundle.js?081516261124" ></script> <script> window.siteName = 'Banking Dive'; </script> <div class="search-overlay"></div> <div class="page-wrapper"> <div class="page-inner-wrapper" id="skip-link-target"> <div class="row"> <div class="medium-10 medium-centered large-12"> <section id="main-content" class="main-content large-8 columns"> <section class="feed-header layout-stack-xl"> <h1 class="feed-header__title">Opinion</h1> <p class="feed-header__description">The latest opinion pieces by industry thought leaders</p> <hr class="feed-header__divider"> </section> <p class="help-text">If you are interested in having your voice heard on Banking Dive's Opinion page, please read <a href="/opinion/submit-opinion/">our editorial guidelines</a> and fill out the <a href="/opinion/submit-opinion/">submission form here.</a></p> <ul class="feed layout-stack-xxl"> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/6-lessons-from-my-journey-to-the-cfo-seat-Hope-Dmuchowski-First-Horizon/727350/"> <img class="" src="https://imgproxy.divecdn.com/c3XOWgXDxTelm6YYKnaJJ6NaXIXFmnxzHdHX_504RAc/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xOTM1MTkzNjAxLmpwZw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/JPIsCnEgZA0bLzoBmUAplwyRUwbQBPzqNXfvoGWCDp8/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xOTM1MTkzNjAxLmpwZw==.webp 300w, https://imgproxy.divecdn.com/gKh3grHYP6eX5cL2XFvuPGiF3fP-Fhh5540IDLPnFUU/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xOTM1MTkzNjAxLmpwZw==.webp 600w, https://imgproxy.divecdn.com/c3XOWgXDxTelm6YYKnaJJ6NaXIXFmnxzHdHX_504RAc/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xOTM1MTkzNjAxLmpwZw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Business woman follow a path go to stair to door" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Afry Harvy via Getty Images</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/6-lessons-from-my-journey-to-the-cfo-seat-Hope-Dmuchowski-First-Horizon/727350/"> 6 lessons from my journey to the CFO seat </a> </h3> <p class="feed__description">Hope Dmuchowski, CFO of First Horizon, shares the lessons that helped shape her path to finance chief and guided her approach to leadership.</p> <span class="secondary-label"> Hope Dmuchowski • </span> <span class="secondary-label">Sept. 18, 2024</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/cannabis-safer-banking-third-party-compliance-certification-accreditation/723059/"> <img class="" src="https://imgproxy.divecdn.com/bijTRiV8MILIs7uC9xp3Y6cjngv9qNm0x6YCeAxec6Y/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xNDYxNDcwNjM2LmpwZw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/IDwK92nYD2BML_iM7va5Tr42iEXj7ZG2mzW-KJrrKfw/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xNDYxNDcwNjM2LmpwZw==.webp 300w, https://imgproxy.divecdn.com/P38i_9xXCw-Ely9BQTFVb9Y_vm20hK-LwCF_9nXlDzg/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xNDYxNDcwNjM2LmpwZw==.webp 600w, https://imgproxy.divecdn.com/bijTRiV8MILIs7uC9xp3Y6cjngv9qNm0x6YCeAxec6Y/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xNDYxNDcwNjM2LmpwZw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Marijuana Sales Profits" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Douglas Rissing via Getty Images</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/cannabis-safer-banking-third-party-compliance-certification-accreditation/723059/"> Third-party compliance certification can get cannabis cash safely into banks </a> </h3> <p class="feed__description">Even if the SAFER Banking Act passes, the infrastructure exists within the cannabis industry for third parties to do the kind of accrediting the Joint Commission does for the healthcare field, says attorney F. Miles Adler.</p> <span class="secondary-label"> F. Miles Adler • </span> <span class="secondary-label">Aug. 1, 2024</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/fednow-faster-realtime-payments-nonbanks-crossborder/634492/"> <img class="" src="https://imgproxy.divecdn.com/9_IAWR5dc-VqASbTfCykm6FMxgeI6lrmpTGwAtWi1H4/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9TY3JlZW5zaG90XzIwMjItMTAtMThfNC4wMy4wOF9QTS5wbmc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/JmYa4jutGWEEr_S4zHlbml1TIqW1p32cppLcajRLw9I/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9TY3JlZW5zaG90XzIwMjItMTAtMThfNC4wMy4wOF9QTS5wbmc=.webp 300w, https://imgproxy.divecdn.com/3U1uml0Jyt4euRURyf-eVVo9MQexOQW2MBQpM_xnUk0/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9TY3JlZW5zaG90XzIwMjItMTAtMThfNC4wMy4wOF9QTS5wbmc=.webp 600w, https://imgproxy.divecdn.com/9_IAWR5dc-VqASbTfCykm6FMxgeI6lrmpTGwAtWi1H4/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9TY3JlZW5zaG90XzIwMjItMTAtMThfNC4wMy4wOF9QTS5wbmc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Diagram of FedNow payments" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Federal Reserve. "FedNow Instant Payments". Retrieved from <a href="https://www.frbservices.org/binaries/content/assets/crsocms/financial-services/fednow/fednow-product-sheet.pdf" target="_blank">FRB Services</a>.</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/fednow-faster-realtime-payments-nonbanks-crossborder/634492/"> FedNow may stumble without nonbanks, cross-border payments </a> </h3> <p class="feed__description">“In addition to cross-border payments, the benefits of FedNow must be widely available to Americans through competitive, diverse providers — including nonbanks,” writes a U.S.-based Wise executive.</p> <span class="secondary-label"> Rina Wulfing • </span> <span class="secondary-label">Oct. 19, 2022</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/banks-fintechs-dont-need-to-fight-modern-treasury-dimitri-dadiomov-partnerships/627610/"> <img class="" src="https://imgproxy.divecdn.com/NDl4E5ixo31rhKLNkEeop9gJko0qFl_dcd7e9v2fgzY/g:nowe:0:69/c:671:379/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Nb2Rlcm5fVHJlYXN1cnlfQ0VPX0RpbWl0cmlfRGFkaW9tb3ZfMS5wbmc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/h6J5rCPb1k8xzmg7upmTaLU5VBKMsoEhxeCOGEKQUXo/g:nowe:0:69/c:671:379/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Nb2Rlcm5fVHJlYXN1cnlfQ0VPX0RpbWl0cmlfRGFkaW9tb3ZfMS5wbmc=.webp 300w, https://imgproxy.divecdn.com/SYXeDGNRbkw9YfPInOwaDNO_RJ15xHcKMj9ZNElSbmg/g:nowe:0:69/c:671:379/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Nb2Rlcm5fVHJlYXN1cnlfQ0VPX0RpbWl0cmlfRGFkaW9tb3ZfMS5wbmc=.webp 600w, https://imgproxy.divecdn.com/NDl4E5ixo31rhKLNkEeop9gJko0qFl_dcd7e9v2fgzY/g:nowe:0:69/c:671:379/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Nb2Rlcm5fVHJlYXN1cnlfQ0VPX0RpbWl0cmlfRGFkaW9tb3ZfMS5wbmc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Modern Treasury CEO Dimitri Dadiomov" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Permission granted by Terry Banks</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/banks-fintechs-dont-need-to-fight-modern-treasury-dimitri-dadiomov-partnerships/627610/"> Banks and fintechs don't need to fight </a> </h3> <p class="feed__description">Customers win when banks’ strengths — customer relations, scale, profitability and brand — are paired with best-in-class cloud-based software to complement existing systems, writes Modern Treasury CEO Dimitri Dadiomov.</p> <span class="secondary-label"> Dimitri Dadiomov • </span> <span class="secondary-label">July 19, 2022</span> </div> </li> <li class="feed__item feed-item-ad"> <div class="hybrid-ad-wrapper show-small hide-large"> <div class="hybrid-ad-inner-wrapper"> <div class="show-small hide-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid1-mobile"></div> <div id='dfp-hybrid1-mobile'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'mobile' ) { googletag.display('dfp-hybrid1-mobile'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid1'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-mobile'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> <div class="hybrid-ad-wrapper hide-small show-large"> <div class="hybrid-ad-inner-wrapper"> <div class="hide-small show-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid2-desktop"></div> <div id='dfp-hybrid2-desktop'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'desktop' ) { googletag.display('dfp-hybrid2-desktop'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid2'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-desktop'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/3-ways-banking-and-finance-could-blur-in-2022/620568/"> <img class="" src="https://imgproxy.divecdn.com/25Nf8AloEMnNRmV0-jdynJXSqcC-N1ZEaEClOmVuD8U/g:nowe:0:214/c:1201:679/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/WtqYshJRZxWMJam_pWgIswhJHth5kdyoOUINrH1BqcM/g:nowe:0:214/c:1201:679/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 300w, https://imgproxy.divecdn.com/CmBKnlQvmuFgF7L3PCiVJ_fI33FUaXhWKvHd_h4SUJ8/g:nowe:0:214/c:1201:679/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 600w, https://imgproxy.divecdn.com/25Nf8AloEMnNRmV0-jdynJXSqcC-N1ZEaEClOmVuD8U/g:nowe:0:214/c:1201:679/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://newsroom.mastercard.com/press-releases/mastercard-evolves-its-brand-mark-by-dropping-its-name/#__prclt=5DjaxXxl" target="_blank">Mastercard newsroom</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/3-ways-banking-and-finance-could-blur-in-2022/620568/"> 3 ways banking and finance could blur in 2022 </a> </h3> <p class="feed__description">Relationships have taken root where there was once overlap between banks and other financial service providers, writes Fabrizio Burlando, executive vice president of consulting at Mastercard.</p> <span class="secondary-label"> Fabrizio Burlando • </span> <span class="secondary-label">March 17, 2022</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/regulation-by-enforcement-isnt-serving-cfpb-consumers-banks-richard-hunt-cba/609975/"> <img class="" src="https://imgproxy.divecdn.com/uANiP9-oVKHyYzGgPFK3boSo_jRMLFKRf7DsMyKZx4o/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9SaWNoYXJkX2h1bnQuanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/CPSNhdxYwgjxgKiOsnPYQYZym22LhRfE-BPQMoqDEMI/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9SaWNoYXJkX2h1bnQuanBn.webp 300w, https://imgproxy.divecdn.com/JLd_hr0b3tAavD9GKTpQ6U837nAvVEDk6cDKrEjyUO4/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9SaWNoYXJkX2h1bnQuanBn.webp 600w, https://imgproxy.divecdn.com/uANiP9-oVKHyYzGgPFK3boSo_jRMLFKRf7DsMyKZx4o/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9SaWNoYXJkX2h1bnQuanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Consumer Bankers Association President Richard Hunt testifies before the House Financial Services Committee about overdraft fees levied by banks on Capitol Hill October 30, 2009 in Washington, DC." loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Chip Somodevilla via Getty Images</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/regulation-by-enforcement-isnt-serving-cfpb-consumers-banks-richard-hunt-cba/609975/"> Regulation by enforcement isn't serving CFPB, consumers or banks </a> </h3> <p class="feed__description">Establishing clear and transparent rules of the road, rather than announcing guidance through an enforcement action, will yield greater compliance and strengthen protections for all consumers.</p> <span class="secondary-label"> Richard Hunt • </span> <span class="secondary-label">Nov. 12, 2021</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/is-finance-ready-super-app-revolution-kathryn-petralia-kabbage-american-express/609405/"> <img class="" src="https://imgproxy.divecdn.com/fHdDMWkyqdCz_cWKamAfWds4GOIzogk9SKHWLL6TFGc/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9BbWVyaWNhbl9FeHByZXNzXzIyODQzNTI2NTUuanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/sqj3b1jADdb33Hz46GXkwMSzezVXvd6lEjVxJa2LbMw/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9BbWVyaWNhbl9FeHByZXNzXzIyODQzNTI2NTUuanBn.webp 300w, https://imgproxy.divecdn.com/0tySNblerlt7FoT6O5jDkCzNvjya6Bi-7BDxOlFKYDs/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9BbWVyaWNhbl9FeHByZXNzXzIyODQzNTI2NTUuanBn.webp 600w, https://imgproxy.divecdn.com/fHdDMWkyqdCz_cWKamAfWds4GOIzogk9SKHWLL6TFGc/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9BbWVyaWNhbl9FeHByZXNzXzIyODQzNTI2NTUuanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://commons.wikimedia.org/wiki/File:American_Express_(2284352655).jpg" target="_blank">Wikimedia Commons user Marcus Quigmire</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/is-finance-ready-super-app-revolution-kathryn-petralia-kabbage-american-express/609405/"> Is finance ready for the super-app revolution? </a> </h3> <p class="feed__description">With a market of specialized fintech offerings and a customer base hungry for streamlined solutions, there's a race to become the provider of all services. The burden lies on the platform provider to deliver an exceptional experience.</p> <span class="secondary-label"> Kathryn Petralia • </span> <span class="secondary-label">Nov. 5, 2021</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/fintechs-are-friends-not-foes-of-traditional-financial-institutions/609312/"> <img class="" src="https://imgproxy.divecdn.com/493EcOO8SRy1ELSZsBMs4Cau_aAhh_O-i5V2UAZlWTE/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hbGxpYW50LWhlYWRxdWFydGVycy5qcGc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/mSOKTuzBvYogSFGacVOBIb-rsnCnoHFi-nUDBHkRl4o/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hbGxpYW50LWhlYWRxdWFydGVycy5qcGc=.webp 300w, https://imgproxy.divecdn.com/nSN7B3WVb5-CYAndOCd4G3cD_enVv29Ys2DgL87uq_M/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hbGxpYW50LWhlYWRxdWFydGVycy5qcGc=.webp 600w, https://imgproxy.divecdn.com/493EcOO8SRy1ELSZsBMs4Cau_aAhh_O-i5V2UAZlWTE/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hbGxpYW50LWhlYWRxdWFydGVycy5qcGc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Alliant Credit Union headquarters" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Permission granted by Alliant</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/fintechs-are-friends-not-foes-of-traditional-financial-institutions/609312/"> Fintechs are friends, not foes, of traditional financial institutions </a> </h3> <p class="feed__description">To test the waters, a financial institution might consider purchasing a pool of loans from a trusted credit union or banking partner that sourced these loans in conjunction with a fintech, an Alliant Credit Union executive suggested.</p> <span class="secondary-label"> Charles Krawitz • </span> <span class="secondary-label">Nov. 2, 2021</span> </div> </li> <li class="feed__item feed-item-ad"> <div class="hybrid-ad-wrapper show-small hide-large"> <div class="hybrid-ad-inner-wrapper"> <div class="show-small hide-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid3-mobile"></div> <div id='dfp-hybrid3-mobile'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'mobile' ) { googletag.display('dfp-hybrid3-mobile'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid3'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-mobile'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> <div class="hybrid-ad-wrapper hide-small show-large"> <div class="hybrid-ad-inner-wrapper"> <div class="hide-small show-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid3-desktop"></div> <div id='dfp-hybrid3-desktop'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'desktop' ) { googletag.display('dfp-hybrid3-desktop'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid3'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-desktop'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/mastercard-abdelsadek-bank-branch-cafe-theory/603885/"> <img class="" src="https://imgproxy.divecdn.com/25Nf8AloEMnNRmV0-jdynJXSqcC-N1ZEaEClOmVuD8U/g:nowe:0:214/c:1201:679/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/WtqYshJRZxWMJam_pWgIswhJHth5kdyoOUINrH1BqcM/g:nowe:0:214/c:1201:679/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 300w, https://imgproxy.divecdn.com/CmBKnlQvmuFgF7L3PCiVJ_fI33FUaXhWKvHd_h4SUJ8/g:nowe:0:214/c:1201:679/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 600w, https://imgproxy.divecdn.com/25Nf8AloEMnNRmV0-jdynJXSqcC-N1ZEaEClOmVuD8U/g:nowe:0:214/c:1201:679/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://newsroom.mastercard.com/press-releases/mastercard-evolves-its-brand-mark-by-dropping-its-name/#__prclt=5DjaxXxl" target="_blank">Mastercard newsroom</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/mastercard-abdelsadek-bank-branch-cafe-theory/603885/"> A new leaf for the bank branch </a> </h3> <p class="feed__description">A café might be a reason to visit a bank branch. But a customer journey map would let banks see how customers interact with digital channels outside the branch and inform digital-first branch remodeling.</p> <span class="secondary-label"> Mohamed Abdelsadek • </span> <span class="secondary-label">July 26, 2021</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/alternative-lender-growth-lendingfront-jorge-sun/595011/"> <img class="" src="https://imgproxy.divecdn.com/xl4Ruf5bmItxryhgxaLgUNQRC0aJmewvpwG6PpElfjk/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzQzNTA0NTM0X1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/vIq__lIgKadU6Jyy5Ky9J3VK6sDd0rfVGZuSJWr9a98/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzQzNTA0NTM0X1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 300w, https://imgproxy.divecdn.com/3u6ibyyyPepoj7htNrpD-3AYnmujhL-_TjKqYv-ROoU/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzQzNTA0NTM0X1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 600w, https://imgproxy.divecdn.com/xl4Ruf5bmItxryhgxaLgUNQRC0aJmewvpwG6PpElfjk/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzQzNTA0NTM0X1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Fotolia</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/alternative-lender-growth-lendingfront-jorge-sun/595011/"> 3 steps for scaling as an alternative lender </a> </h3> <p class="feed__description">Leaning on a growing segment of borrowers (small-business owners), leaning into digital transformation and picking the right solution can help alternative lenders scale through a downturn.</p> <span class="secondary-label"> Jorge Sun • </span> <span class="secondary-label">Feb. 12, 2021</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/brokered-deposits-/593927/"> <img class="" src="https://imgproxy.divecdn.com/PsndwPvoBLKoX09JV-tUgtzYZ-L8bt-a2e_jBQ3xM8M/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUyNjU0NjcyX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/PYZSpKyAf9UeXQ-Q0xdNN69Ezqp2dBtnNNoFaKGXTLA/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUyNjU0NjcyX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 300w, https://imgproxy.divecdn.com/Sm4pKzwjdP9ONW5tWvm5BpGOne2_WJHvTWTbBhcHiks/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUyNjU0NjcyX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 600w, https://imgproxy.divecdn.com/PsndwPvoBLKoX09JV-tUgtzYZ-L8bt-a2e_jBQ3xM8M/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUyNjU0NjcyX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Fotolia</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/brokered-deposits-/593927/"> The way we look at brokered deposits for banks is broken </a> </h3> <p class="feed__description">A bank that predominantly holds traditional core deposits is susceptible to a "bank run," whereas one funded primarily by brokered CD deposits is not. That's because these deposits have precise maturity dates.</p> <span class="secondary-label"> Charlie Knadler • </span> <span class="secondary-label">Feb. 4, 2021</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/loyalty-redemption-coronavirus-mastercard-Jamie-Samaha/585964/"> <img class="" src="https://imgproxy.divecdn.com/25Nf8AloEMnNRmV0-jdynJXSqcC-N1ZEaEClOmVuD8U/g:nowe:0:214/c:1201:679/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/WtqYshJRZxWMJam_pWgIswhJHth5kdyoOUINrH1BqcM/g:nowe:0:214/c:1201:679/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 300w, https://imgproxy.divecdn.com/CmBKnlQvmuFgF7L3PCiVJ_fI33FUaXhWKvHd_h4SUJ8/g:nowe:0:214/c:1201:679/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 600w, https://imgproxy.divecdn.com/25Nf8AloEMnNRmV0-jdynJXSqcC-N1ZEaEClOmVuD8U/g:nowe:0:214/c:1201:679/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tYXN0ZXJjYXJkLlBORw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://newsroom.mastercard.com/press-releases/mastercard-evolves-its-brand-mark-by-dropping-its-name/#__prclt=5DjaxXxl" target="_blank">Mastercard newsroom</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/loyalty-redemption-coronavirus-mastercard-Jamie-Samaha/585964/"> 3 ways to reimagine loyalty redemption in a post-COVID world </a> </h3> <p class="feed__description">Providing offers consumers care about is not enough, writes Mastercard executive Jamie Samaha. A clunky, manual redemption process can leave cardholders feeling disengaged or duped.</p> <span class="secondary-label"> Jamie Samaha • </span> <span class="secondary-label">Sept. 28, 2020</span> </div> </li> <li class="feed__item feed-item-ad"> <div class="hybrid-ad-wrapper show-small hide-large"> <div class="hybrid-ad-inner-wrapper"> <div class="show-small hide-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid4-mobile"></div> <div id='dfp-hybrid4-mobile'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'mobile' ) { googletag.display('dfp-hybrid4-mobile'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid4'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-mobile'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/what-is-slowing-banks-digital-transformation/583604/"> <img class="" src="https://imgproxy.divecdn.com/m7KY0Q_crcS4BgkQLRDnbnw4huAyEU6_bjeLsL4qhuQ/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/JGQpe2tz_T0Tdf29dn-YYHsob6PKtooaIUgZ8bfp4a4/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 300w, https://imgproxy.divecdn.com/2Vsl1FGVpDdM69_nLN7vHdN4YL7pgIrV9jyIU3i2aFQ/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 600w, https://imgproxy.divecdn.com/m7KY0Q_crcS4BgkQLRDnbnw4huAyEU6_bjeLsL4qhuQ/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X00uanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Fotolia</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/what-is-slowing-banks-digital-transformation/583604/"> What is slowing banks' digital transformation? </a> </h3> <p class="feed__description">Lightico CEO Zviki Ben Ishay provides a look at some of the obstacles banks face, including organizational resistance, scalability issues, legacy IT systems and fears about compliance.</p> <span class="secondary-label"> Zviki Ben Ishay • </span> <span class="secondary-label">Aug. 17, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/the-digital-transformation-of-payments-reaches-its-next-phase/582745/"> <img class="" src="https://imgproxy.divecdn.com/qeqdaTjP-5wSFZ_1wEwqvQIA_eEjOCl97haFbVk8xgI/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9QYW5vX01hbmhhdHRhbjIwMDdfYW1rLmpwZw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/eoV03qJbEfEN3HMPdc0ZbJUjqTSTsz6CMCzUWUofHRY/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9QYW5vX01hbmhhdHRhbjIwMDdfYW1rLmpwZw==.webp 300w, https://imgproxy.divecdn.com/UOTz8i2zg3K30JICq5JAmk8jKXk-KdTGOuYiZuE8Kq8/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9QYW5vX01hbmhhdHRhbjIwMDdfYW1rLmpwZw==.webp 600w, https://imgproxy.divecdn.com/qeqdaTjP-5wSFZ_1wEwqvQIA_eEjOCl97haFbVk8xgI/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9QYW5vX01hbmhhdHRhbjIwMDdfYW1rLmpwZw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://commons.wikimedia.org/wiki/File:Pano_Manhattan2007_amk.jpg" target="_blank">user:AngMoKio [CC BY-SA 2.5 (https://creativecommons.org/licenses/by-sa/2.5)], from Wikimedia Commons</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/the-digital-transformation-of-payments-reaches-its-next-phase/582745/"> The digital transformation of payments reaches its next phase </a> </h3> <p class="feed__description">In addition to providing the technology tools, banks must help educate clients and provide guidance to help ease client transformations from paper to electronic solutions, writes Carl Slabicki of BNY Mellon Treasury Services.</p> <span class="secondary-label"> Carl Slabicki • </span> <span class="secondary-label">Aug. 4, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/blockchain-technology-instant-international-settlements/581726/"> <img class="" src="https://imgproxy.divecdn.com/-mkxRHt_7SoosLKj4fn63Efk8uoKHIn7w_nmgrRgBNI/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9lYXJ0aC5qcGc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/73YgoYedhcJBsCYE6tCPnqGJ10I56BFJ731EtYzklmw/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9lYXJ0aC5qcGc=.webp 300w, https://imgproxy.divecdn.com/aNljsbDen-odSz0jBe03WJ9r7LQ9n_F__l742UdURLQ/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9lYXJ0aC5qcGc=.webp 600w, https://imgproxy.divecdn.com/-mkxRHt_7SoosLKj4fn63Efk8uoKHIn7w_nmgrRgBNI/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9lYXJ0aC5qcGc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="http://www.nasa.gov/topics/earth/earthday/earthday_gallery.html" target="_blank">NASA</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/blockchain-technology-instant-international-settlements/581726/"> Blockchain technology will remove barriers to instant international settlement </a> </h3> <p class="feed__description">Participants on a next-generation network can transact and have the transaction visible and settled between parties in minutes or even seconds instead of days, writes Haohan Xu, the CEO of Apifiny.</p> <span class="secondary-label"> Haohan Xu • </span> <span class="secondary-label">July 16, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/Alden-Seabolt-Blend-deposits-consumer-engagement/576764/"> <img class="" src="https://imgproxy.divecdn.com/FOEgNKi6dr-dJB3d28UBQu3XiPQDg8seJQvrZgdLUss/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rX2dlbmVyaWMuanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/bgp0sT_GVsmpBo0nhnvIhGei-loGbn_ZBFFP9Cn6ung/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rX2dlbmVyaWMuanBn.webp 300w, https://imgproxy.divecdn.com/oxuscGw8kxsTsSWC1KgMb1sdEXTCCYrF0qGyE644uko/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rX2dlbmVyaWMuanBn.webp 600w, https://imgproxy.divecdn.com/FOEgNKi6dr-dJB3d28UBQu3XiPQDg8seJQvrZgdLUss/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rX2dlbmVyaWMuanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="http://www.sxc.hu/pic/l/a/aj/ajktreno/1342748_96541395.jpg" target="_blank">ajkTreno</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/Alden-Seabolt-Blend-deposits-consumer-engagement/576764/"> Don't fight for deposits. Win the hearts of consumers. </a> </h3> <p class="feed__description">A product-agnostic and engagement-friendly approach encourages employees to solve for customers' end dreams — not to hard-sell a particular piece of technology, writes Alden Seabolt, consumer banking lead at Blend.</p> <span class="secondary-label"> Alden Seabolt • </span> <span class="secondary-label">April 29, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/reciprocal-deposits-community-banks-save-small-business/576309/"> <img class="" src="https://imgproxy.divecdn.com/csOiFGYR7drE5CWEkKb2gycbh4IRiBdusK9UyU1mAk0/g:nowe:0:111/c:1536:868/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/G5VSQj_lBP7OV5RiVdESxDpMJiyc-XBzxEEb77UPby8/g:nowe:0:111/c:1536:868/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp 300w, https://imgproxy.divecdn.com/uCOHRQsriDrVoKvaWBNE2bA5nrKBJGY6CPXl2i2vFkw/g:nowe:0:111/c:1536:868/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp 600w, https://imgproxy.divecdn.com/csOiFGYR7drE5CWEkKb2gycbh4IRiBdusK9UyU1mAk0/g:nowe:0:111/c:1536:868/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="The word "bank" is engraved on a brick building." loading="lazy" > </a> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/reciprocal-deposits-community-banks-save-small-business/576309/"> Reciprocal deposits can help community banks save small business </a> </h3> <p class="feed__description">Allotting space on their balance sheets allows banks to immediately increase lending to small businesses before having to scour for additional deposits, writes Tom Nelson, CIO at Reich & Tang.</p> <span class="secondary-label"> Tom Nelson • </span> <span class="secondary-label">April 22, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/banks-prioritize-technology-to-deliver-during-coronavirus-crisis/576118/"> <img class="" src="https://imgproxy.divecdn.com/yein96moDJiKxxdRJz22ZpZ7_lW6_a39nz-_gREeJsk/g:nowe:347:53/c:1129:638/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hdG1jYXNoLmpwZw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/LJNuSu1WOWmJcic6TVcweWlejooD337RMu3rzUtkVyE/g:nowe:347:53/c:1129:638/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hdG1jYXNoLmpwZw==.webp 300w, https://imgproxy.divecdn.com/EiC4mW9FvDsFv0pT8iZ2vyaBAhZU7asGcxiuIXePV3Q/g:nowe:347:53/c:1129:638/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hdG1jYXNoLmpwZw==.webp 600w, https://imgproxy.divecdn.com/yein96moDJiKxxdRJz22ZpZ7_lW6_a39nz-_gREeJsk/g:nowe:347:53/c:1129:638/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9hdG1jYXNoLmpwZw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://www.mastercard.us/en-us/issuers/products-and-solutions/cash-pick-up.html" target="_blank">Mastercard</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/banks-prioritize-technology-to-deliver-during-coronavirus-crisis/576118/"> Banks prioritize technology to deliver during coronavirus crisis </a> </h3> <p class="feed__description">At a time when human-to-human contact presents a risk, automation is seeming less like a disruption, writes Octavio Marquez, senior vice president and managing director, Banking Americas, at Diebold Nixdorf.</p> <span class="secondary-label"> Octavio Marquez • </span> <span class="secondary-label">April 20, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/personal-touch-coronavirus-fears-NBH-Bank/574523/"> <img class="" src="https://imgproxy.divecdn.com/IxXQJtSmlcQwU1Unw4uyJy7AG4rXeVY9q6nV-AkHsOs/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS80OTY1NTMxODA5OF81ODg2YTk4NTBjX2suanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/3dIAtQ0PjQDZqsu9XLNQBn9r42iuMmfzpFxBYgeposc/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS80OTY1NTMxODA5OF81ODg2YTk4NTBjX2suanBn.webp 300w, https://imgproxy.divecdn.com/gHvAgbLrNbJN4aqCnADw1Gr59GPe7YZjErx0J0La0yA/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS80OTY1NTMxODA5OF81ODg2YTk4NTBjX2suanBn.webp 600w, https://imgproxy.divecdn.com/IxXQJtSmlcQwU1Unw4uyJy7AG4rXeVY9q6nV-AkHsOs/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS80OTY1NTMxODA5OF81ODg2YTk4NTBjX2suanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="Transmission electron micrograph of SARS-CoV-2 virus particles, isolated from a patient." loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">National Institute of Allergy and Infectious Disease. (2020). "Novel Coronavirus SARS-CoV-2" [Image]. Retrieved from <a href="https://www.flickr.com/photos/nihgov/49655318098/in/album-72157713108522106/" target="_blank">Flickr</a>.</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/personal-touch-coronavirus-fears-NBH-Bank/574523/"> Banks should double down on personal touch despite coronavirus fears </a> </h3> <p class="feed__description">Financial institutions should be taking extra steps to help their senior customers use digital tools, NBH Bank's Whitney Bartelli and Patrick Sobers write. </p> <span class="secondary-label"> Whitney Bartelli and Patrick Sobers • </span> <span class="secondary-label">March 23, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/community-banks-changing-definition-of-community/572041/"> <img class="" src="https://imgproxy.divecdn.com/csOiFGYR7drE5CWEkKb2gycbh4IRiBdusK9UyU1mAk0/g:nowe:0:111/c:1536:868/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/G5VSQj_lBP7OV5RiVdESxDpMJiyc-XBzxEEb77UPby8/g:nowe:0:111/c:1536:868/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp 300w, https://imgproxy.divecdn.com/uCOHRQsriDrVoKvaWBNE2bA5nrKBJGY6CPXl2i2vFkw/g:nowe:0:111/c:1536:868/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp 600w, https://imgproxy.divecdn.com/csOiFGYR7drE5CWEkKb2gycbh4IRiBdusK9UyU1mAk0/g:nowe:0:111/c:1536:868/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9Gb3RvbGlhXzUxMDI2MTEwX1N1YnNjcmlwdGlvbl9Nb250aGx5X01fd045MnVKdC5qcGc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="The word "bank" is engraved on a brick building." loading="lazy" > </a> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/community-banks-changing-definition-of-community/572041/"> 3 ways community banks can harness the changing definition of 'community' </a> </h3> <p class="feed__description">Catering to a group that shares an affinity such as a local sports team can help a community bank strengthen its bond with potential customers, writes Dondi Black, a senior manager of payment services at FIS.</p> <span class="secondary-label"> Dondi Black • </span> <span class="secondary-label">Feb. 19, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/industry-led-groups-first-step-open-banking-steve-boms/570987/"> <img class="" src="https://imgproxy.divecdn.com/xuBL9uxrTnmGGx-qOxA_1WvjvsNcQoHbqzNmN-lYlLI/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HbG9iZS5wbmc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/5jZNCv0YEORCGnm2n_fq7yuYmGtjCEn9VyA0txr6Kvw/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HbG9iZS5wbmc=.webp 300w, https://imgproxy.divecdn.com/4hATpOXpZSvnUirRGAZI70m-_uQZYpuAihrAtJJfRaU/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HbG9iZS5wbmc=.webp 600w, https://imgproxy.divecdn.com/xuBL9uxrTnmGGx-qOxA_1WvjvsNcQoHbqzNmN-lYlLI/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HbG9iZS5wbmc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://pixabay.com/illustrations/continents-puzzle-world-earth-1219541/" target="_blank">CC: Pixabay</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/industry-led-groups-first-step-open-banking-steve-boms/570987/"> Industry-led groups are only the 1st step to open banking </a> </h3> <p class="feed__description">U.S. policymakers must make financial data sharing more fair and transparent if they want Americans to have the same access to fintech tools as other people, a Financial Data and Technology Association executive writes.</p> <span class="secondary-label"> Steve Boms • </span> <span class="secondary-label">Jan. 27, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/mobile-wallets-local-markets-card-payments/570241/"> <img class="" src="https://imgproxy.divecdn.com/TbA1LiHnMg6abeftlawVCylBvb14VvTSXGl4ym1Mezk/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9yb2hpdC10YW5kb24tTWtoMkxhOWZFRFktdW5zcGxhc2guanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/ZOLZ-ZUVUNtGy3_boxkjPJDSJ05KWEdgn5qIo02jdLg/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9yb2hpdC10YW5kb24tTWtoMkxhOWZFRFktdW5zcGxhc2guanBn.webp 300w, https://imgproxy.divecdn.com/3xI6GhIf7LyP1gO0eiT733rsuD-OTxrIkAFAXew0VhE/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9yb2hpdC10YW5kb24tTWtoMkxhOWZFRFktdW5zcGxhc2guanBn.webp 600w, https://imgproxy.divecdn.com/TbA1LiHnMg6abeftlawVCylBvb14VvTSXGl4ym1Mezk/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9yb2hpdC10YW5kb24tTWtoMkxhOWZFRFktdW5zcGxhc2guanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Rohit Tandon via Unsplash</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/mobile-wallets-local-markets-card-payments/570241/"> Mobile wallets let local markets leapfrog card payments </a> </h3> <p class="feed__description">Fintech innovations have enabled many countries to skip over certain payment methods in their financial evolution, writes Steve Villegas, a vice president at PPRO.</p> <span class="secondary-label"> Steve Villegas • </span> <span class="secondary-label">Jan. 21, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/dropping-digital-from-digital-banking-trends-2020/570255/"> <img class="" src="https://imgproxy.divecdn.com/4lLqk6aMwrBosj8bGlrpo3-u3p5lGA0suNKFLCzKc6A/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rLWJhbmtpbmctYmx1ZS01MDk4Ny5qcGc=.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/wRBvnHptyHx0u9GfXWhd2lQuN7GGIoSX3qPCiPuCn14/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rLWJhbmtpbmctYmx1ZS01MDk4Ny5qcGc=.webp 300w, https://imgproxy.divecdn.com/nDnijUagGMLTmWGm0fJImL2z_3iXR5aplEqCpMn30KU/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rLWJhbmtpbmctYmx1ZS01MDk4Ny5qcGc=.webp 600w, https://imgproxy.divecdn.com/4lLqk6aMwrBosj8bGlrpo3-u3p5lGA0suNKFLCzKc6A/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9iYW5rLWJhbmtpbmctYmx1ZS01MDk4Ny5qcGc=.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://www.pexels.com/photo/shopping-business-money-pay-50987/" target="_blank">Pexels</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/dropping-digital-from-digital-banking-trends-2020/570255/"> Dropping 'digital' from digital banking: 5 trends for 2020 </a> </h3> <p class="feed__description">Tech companies that want to bank could have a breakout year. Meanwhile, businesses will continue to go paperless, people cashless, and banking-as-a-service will court greater buy-in, a Mastercard executive writes.</p> <span class="secondary-label"> Jeff Hindle • </span> <span class="secondary-label">Jan. 13, 2020</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/3-questions-to-gauge-how-well-a-fintech-partnership-fits/568837/"> <img class="" src="https://imgproxy.divecdn.com/xrx7MZf2G8oJGZ61Bk2kKCfD_AnXFBAVOAVzzy2aFns/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9MdXZsZWVuX1NpZGh1X0hlYWRzaG90LkpQRw==.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/jK-_z1b993uEZaKlnk8KS8cMsLbBU3NIb-05-X0BJTE/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9MdXZsZWVuX1NpZGh1X0hlYWRzaG90LkpQRw==.webp 300w, https://imgproxy.divecdn.com/9IuwxWDW4zCKgBy52SBfeSJAl3r4PZwXVdwnNCstuwE/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9MdXZsZWVuX1NpZGh1X0hlYWRzaG90LkpQRw==.webp 600w, https://imgproxy.divecdn.com/xrx7MZf2G8oJGZ61Bk2kKCfD_AnXFBAVOAVzzy2aFns/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9MdXZsZWVuX1NpZGh1X0hlYWRzaG90LkpQRw==.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution">Permission granted by BankMobile</div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/3-questions-to-gauge-how-well-a-fintech-partnership-fits/568837/"> 3 questions to gauge how well a fintech partnership fits </a> </h3> <p class="feed__description">Investigate your potential partner's sustainability, relationship with regulators and approach to fighting fraud before joining forces, writes BankMobile's Luvleen Sidhu.</p> <span class="secondary-label"> Luvleen Sidhu • </span> <span class="secondary-label">Dec. 16, 2019</span> </div> </li> <li class="row feed__item"> <div class="medium-4 columns"> <figure class="feed__image-container"> <a class="feed__image" href="/news/customer-data-build-trust/568375/"> <img class="" src="https://imgproxy.divecdn.com/oY0QDdwjRxsMy-ja3cMQpDRCrxvNC8rJJMYHJilU-fY/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tb25leS0xODg1NTQwXzE5MjAuanBn.webp" width="1200" height="675" srcset="https://imgproxy.divecdn.com/fiFu1miXPV3QxB9f7Oc-sE71i8Q6Niq0yLq128Jm8wQ/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tb25leS0xODg1NTQwXzE5MjAuanBn.webp 300w, https://imgproxy.divecdn.com/KqQUN7EQasitY_Nsd5PpX5zKeiHnwSSBo8souTyc5Zw/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tb25leS0xODg1NTQwXzE5MjAuanBn.webp 600w, https://imgproxy.divecdn.com/oY0QDdwjRxsMy-ja3cMQpDRCrxvNC8rJJMYHJilU-fY/g:ce/rs:fill:1200:675:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9tb25leS0xODg1NTQwXzE5MjAuanBn.webp 1200w" sizes="(min-width: 40em ) 25vw, 100vw" alt="" loading="lazy" > </a> <figcaption> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="0"> <div class="feed__attribution"><a href="https://pixabay.com/en/money-savings-piggy-white-1885540/" target="_blank">Pixabay</a></div> <!-- included to allow for opaque icon when hovering over the attribution --> <img class="feed__attribution-icon" src="/static/images/info-icon.png?234917240220" alt="Image attribution tooltip" width="16" height="16" tabindex="-1"> </figcaption> </figure> </div> <div class="medium-8 columns"> <h3 class="feed__title feed__title--display"> <a href="/news/customer-data-build-trust/568375/"> Banks should apply customer data more smartly to instill greater trust </a> </h3> <p class="feed__description">Financial institutions are often strong on security, but they should consider emulating Amazon or Netflix, which boost user experience by proving they know their customers' preferences, Experian's David Britton writes.</p> <span class="secondary-label"> David Britton • </span> <span class="secondary-label">Dec. 9, 2019</span> </div> </li> </ul> <div class="pagination"> <a href="?page=2" class="button button--soft"> <!--first page pagination for Dash and Topics--> Next<img class="button__icon button__icon--small button__icon--right" src="/static/img/components/buttons/right-arrow.svg?353714160519" alt="next icon"> </a> </div> </section> <aside class="sidebar large-4 columns"> <div class="hybrid-ad-wrapper hide-small show-large"> <div class="hybrid-ad-inner-wrapper"> <div class="hide-small show-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid1-desktop"></div> <div id='dfp-hybrid1-desktop'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'desktop' ) { googletag.display('dfp-hybrid1-desktop'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid1'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-desktop'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> <div class="signup sidebar-signup-box hide-small show-large" data-box-priority="0"> <h3 class="sidebar-signup-box__header">Get the free newsletter</h3> <p class="sidebar-signup-box__description">Subscribe to Banking Dive for top news, trends & analysis</p> <form class="form js-form-email-validate" name="signup" action="/signup/" method="POST"> <label for="id_eed7f8_email" class="email-input js-email-input"> <span class="screen-reader-text">Email:</span> <input type="email" name="email" placeholder="Work email address" class="email" required id="id_eed7f8_email"> </label> <input type="hidden" name="signup_box_location" value="sidebar"> <input type="hidden" name="signup_initial_url_path" value="/opinion/"> <input type="hidden" name="js_enabled" value="0" id="id_eed7f8_js_enabled"> <ul class="signup-list list-no-bullets"> <li> <label><span class="screen-reader-text">Select Newsletter:</span></label> <input id="newsletter-sidebar-checkbox-760" type="checkbox" name="site_newsletters" value="760" class="checkbox" /> <label for="newsletter-sidebar-checkbox-760"> <span class="newsletter-title">Daily Dive</span> <span class="secondary-label">M-F</span> </label> </li> <li> <label><span class="screen-reader-text">Select Newsletter:</span></label> <input id="newsletter-sidebar-checkbox-3172" type="checkbox" name="site_newsletters" value="3172" class="checkbox" /> <label for="newsletter-sidebar-checkbox-3172"> <span class="newsletter-title">Fintech Weekly</span> <span class="secondary-label">Every Wednesday</span> </label> </li> <li> <label><span class="screen-reader-text">Select user consent:</span></label> <input type="checkbox" name="user_consent" id="id_user_consent-sidebar" value="1" class="checkbox"/> <label for="id_user_consent-sidebar"> <span class="signup-user-consent_box"> <span> By signing up to receive our newsletter, you agree to our <a href="https://www.industrydive.com/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://www.industrydive.com/privacy-policy/" target="_blank">Privacy Policy</a>. You can unsubscribe at anytime. </span> </span> </label> </li> </ul> <button class="button button--medium signup-button" type="submit" value="Sign up">Sign up</button> <script type="module" src="/static/js/dist/sendEmailToLytics.bundle.js?081516261124" ></script> <label class="error email_error" style="display:none;">A valid email address is required.</label> <label class="error newsletter-error" style="display:none;">Please select at least one newsletter.</label> </form> </div> <div class="subscriber-demographics demographics-form" id="demographics-box-sidebar"></div> <script src="/static/js/subscriberDemographicsForm.js?302516180124"></script> <script> var siteName = 'Banking Dive' || null; if (siteName) { setupFormCallbackAndCreateFormIfSub(siteName, 'sidebar'); } </script> <div class="sidebar-box" data-box-priority="2"> <h3 class="sidebar-box__header sidebar-box__header--loud"> Most Popular </h3> <ol class="sidebar-box-list sidebar-box-list--ordered"> <li class="sidebar-box-list__item sidebar-box-list__item--ordered flex"> <!-- image --> <div class="sidebar-box-list__image-container"> <a class="analytics t-most-popular-sidebar-item-1 hide-small show-large" href="/news/us-bank-capital-markets-wealth-corporate-trust-philipson/733998/"> <img class="sidebar-box-list__image" src="https://imgproxy.divecdn.com/OU5SKQv59bA-TfqCckeDBVbs9U4tN58m9NDommTKtt0/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9VU0JhbmtUb3dlcl9DQV8zeDIuanBn.webp" width="600" height="338" srcset="https://imgproxy.divecdn.com/X9HeAT6oqW5yxsncyT0DCYr8w0OrgLI0fRCt95zABb8/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9VU0JhbmtUb3dlcl9DQV8zeDIuanBn.webp 300w, https://imgproxy.divecdn.com/OU5SKQv59bA-TfqCckeDBVbs9U4tN58m9NDommTKtt0/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9VU0JhbmtUb3dlcl9DQV8zeDIuanBn.webp 600w" sizes="25vw" alt="A skyscraper with the name "U.S. Bank" atop it is shown." loading="lazy" > </a> </div> <div class="sidebar-box-title-container"> <a class="analytics t-most-popular-sidebar-item-1 sidebar-box-list__item-title" href="/news/us-bank-capital-markets-wealth-corporate-trust-philipson/733998/">U.S. Bank bets on capital markets boost </a> <!--Article Title--> </div> </li> <li class="sidebar-box-list__item sidebar-box-list__item--ordered flex"> <!-- image --> <div class="sidebar-box-list__image-container"> <a class="analytics t-most-popular-sidebar-item-2 hide-small show-large" href="/news/blueacorn-founders-indicted-fraud-charges-doj-ppp-loan-sba-womply-covid-19/734058/"> <img class="sidebar-box-list__image" src="https://imgproxy.divecdn.com/75GEEp_577lswSuXzP9E3cQMis-P4jfVHU0KS0FuTGI/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xMjk5NDg4MTk2LmpwZw==.webp" width="600" height="338" srcset="https://imgproxy.divecdn.com/-nLH34HXd0QLJ0fZxdsl7g0z8w2AWErsXcM8vgdRB-E/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xMjk5NDg4MTk2LmpwZw==.webp 300w, https://imgproxy.divecdn.com/75GEEp_577lswSuXzP9E3cQMis-P4jfVHU0KS0FuTGI/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xMjk5NDg4MTk2LmpwZw==.webp 600w" sizes="25vw" alt="A paper is shown with the words Paycheck Protection Program Borrower Application Form" loading="lazy" > </a> </div> <div class="sidebar-box-title-container"> <a class="analytics t-most-popular-sidebar-item-2 sidebar-box-list__item-title" href="/news/blueacorn-founders-indicted-fraud-charges-doj-ppp-loan-sba-womply-covid-19/734058/">Blueacorn founders indicted on PPP fraud charges </a> <!--Article Title--> </div> </li> <li class="sidebar-box-list__item sidebar-box-list__item--ordered flex"> <!-- image --> <div class="sidebar-box-list__image-container"> <a class="analytics t-most-popular-sidebar-item-3 hide-small show-large" href="/news/old-national-bremer-bank-acquisition-minnesota/733915/"> <img class="sidebar-box-list__image" src="https://imgproxy.divecdn.com/6VbduifkzSIQvNqqPOgv6fPw0sY1VcQyNlG39XeIiVM/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0yMTU4NDkzMzI5LmpwZw==.webp" width="600" height="338" srcset="https://imgproxy.divecdn.com/waYCxelAak04s6Hs-Oo2fFCLtUEfji8L8KV95dWceLo/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0yMTU4NDkzMzI5LmpwZw==.webp 300w, https://imgproxy.divecdn.com/6VbduifkzSIQvNqqPOgv6fPw0sY1VcQyNlG39XeIiVM/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0yMTU4NDkzMzI5LmpwZw==.webp 600w" sizes="25vw" alt="An aerial view of St. Paul, Minnesota depicts buildings and a bridge near a river." loading="lazy" > </a> </div> <div class="sidebar-box-title-container"> <a class="analytics t-most-popular-sidebar-item-3 sidebar-box-list__item-title" href="/news/old-national-bremer-bank-acquisition-minnesota/733915/">Old National to acquire Minnesota’s Bremer for $1.4B </a> <!--Article Title--> </div> </li> <li class="sidebar-box-list__item sidebar-box-list__item--ordered flex"> <!-- image --> <div class="sidebar-box-list__image-container"> <a class="analytics t-most-popular-sidebar-item-4 hide-small show-large" href="/news/5-lessons-learned-from-synapses-collapse/731543/"> <img class="sidebar-box-list__image" src="https://imgproxy.divecdn.com/6x6LiynLPggBMVHC6owDLRYSJp_1J5Nbcb2KJe2YqJM/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xMzU3NDUyNTY2LmpwZw==.webp" width="600" height="338" srcset="https://imgproxy.divecdn.com/PmaaiOj5JutHdAxWV9l63OnJdC8JMYWK5e8pACogMyM/g:ce/rs:fill:300:169:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xMzU3NDUyNTY2LmpwZw==.webp 300w, https://imgproxy.divecdn.com/6x6LiynLPggBMVHC6owDLRYSJp_1J5Nbcb2KJe2YqJM/g:ce/rs:fill:600:338:1/Z3M6Ly9kaXZlc2l0ZS1zdG9yYWdlL2RpdmVpbWFnZS9HZXR0eUltYWdlcy0xMzU3NDUyNTY2LmpwZw==.webp 600w" sizes="25vw" alt="fintech graphic" loading="lazy" > </a> </div> <div class="sidebar-box-title-container"> <a class="analytics t-most-popular-sidebar-item-4 sidebar-box-list__item-title" href="/news/5-lessons-learned-from-synapses-collapse/731543/">5 lessons learned from Synapse’s collapse </a> <!--Article Title--> </div> </li> </ol> </div> <div class="sidebar-box hide-small show-large" data-box-priority="4"> <h3 class="sidebar-box__header">Library resources</h3> <ul class="sidebar-box-list"> <li class="sidebar-box-list__item flex"> <div class='sidebar-box-list__icon sidebar-box-list__icon--soft'> <img src="/static/img/lib_icons/webinar-black.svg?141716111021" height="25" width="25" alt="studioID resource icon" loading="lazy"> </div> <div> <div class="label label--soft">Webinar - on demand</div> <a class="analytics t-library-sidebar-item-1 sidebar-box-list__item-title" target="_blank" href="https://resources.industrydive.com/the-role-of-genai-in-elevating-contact-center-as-a-service?utm_source=BD&utm_medium=Library&utm_campaign=Salesforce"> The Role of GenAI in Elevating Contact Center as a Service </a> <span class="sponsor-label__leading-text secondary-label">Custom content for </span> <span class="sponsor-label__name secondary-label">Salesforce</span> </div> </li> <li class="sidebar-box-list__item flex"> <div class='sidebar-box-list__icon sidebar-box-list__icon--soft'> <img src="/static/img/lib_icons/webinar-black.svg?141716111021" height="25" width="25" alt="studioID resource icon" loading="lazy"> </div> <div> <div class="label label--soft">Webinar - on demand</div> <a class="analytics t-library-sidebar-item-2 sidebar-box-list__item-title" target="_blank" href="http://resources.industrydive.com/how-financial-services-can-compete?utm_source=BD&utm_medium=Library&utm_campaign=Qualtrics"> Beyond Price and Product: How Financial Services Can Compete with Customer Experience </a> <span class="sponsor-label__leading-text secondary-label">Custom content for </span> <span class="sponsor-label__name secondary-label">Qualtrics</span> </div> </li> <li class="sidebar-box-list__item flex"> <div class='sidebar-box-list__icon sidebar-box-list__icon--soft'> <img src="/static/img/lib_icons/webinar-black.svg?141716111021" height="25" width="25" alt="studioID resource icon" loading="lazy"> </div> <div> <div class="label label--soft">Webinar - on demand</div> <a class="analytics t-library-sidebar-item-3 sidebar-box-list__item-title" target="_blank" href="http://resources.industrydive.com/modernizing-the-contact-centers-for-immediate-value?utm_source=BD&utm_medium=Library&utm_campaign=Glia"> Modernizing the Contact Center for Immediate Value </a> <span class="sponsor-label__leading-text secondary-label">Custom content for </span> <span class="sponsor-label__name secondary-label">Glia</span> </div> </li> </ul> <a class="analytics t-library-sidebar-all sidebar-box__cta" aria-label="View all library items" href="/library/">View all</a> </div> <div class="sidebar-box js-pressrelease-sidebar-box" data-box-priority=" 6 "> <h3 class="sidebar-box__header">Company Announcements</h3> <ul class="sidebar-box-list"> <li class="sidebar-box-list__item flex js-pressrelease" data-pressrelease-full-url="https://www.bankingdive.com/press-release/20241121-interfaceai-reinforces-ai-leadership-in-financial-services-with-industry-u/"> <div class="sidebar-box-title-container"> <a class="sidebar-box-list__item-title analytics t-pr-sidebar-item" href="/press-release/20241121-interfaceai-reinforces-ai-leadership-in-financial-services-with-industry-u/">interface.ai Reinforces AI Leadership in Financial Services with Industry-Unique Device Biomet…</a> <span class="secondary-label"> From Jordan Mitchell </span> </div> </li> <li class="sidebar-box-list__item flex js-pressrelease" data-pressrelease-full-url="https://www.bankingdive.com/press-release/20241118-cross-border-payment-solutions-launches-to-help-business-take-control-of-in-1/"> <div class="sidebar-box-list__thumbnail-container"> <img alt="Cross Border Payment Solutions logo" height="48" loading="lazy" src="https://res.cloudinary.com/dmgi9movl/image/upload/dpr_2.0,h_48,w_48/v1731924514/press_release/assets/company_logos/CBPS_Icon_xngclq.png" width="48"/> </div> <div class="sidebar-box-title-container"> <a class="sidebar-box-list__item-title analytics t-pr-sidebar-item" href="/press-release/20241118-cross-border-payment-solutions-launches-to-help-business-take-control-of-in-1/">Cross Border Payment Solutions Launches to Help Business Take Control of International Finance</a> <span class="secondary-label"> From Cross Border Payment Solutions </span> </div> </li> </ul> <span class="sidebar-box__cta"> <a class="analytics t-pr-sidebar-all" aria-label="View all press release items" href="/press-release/">View all</a> | <a class="analytics t-pr-sidebar-start" href="/press-release/get-started/">Post a press release</a> </span> </div> <div class="sidebar-box hide-small show-large" data-box-priority="8"> <h3 class="sidebar-box__header">What We're Reading</h3> <ul class="sidebar-box-list"> <li class="sidebar-box-list__item"> <img src="https://www.google.com/s2/favicons?domain=https%3A//www.reuters.com/business/finance/wells-fargo-asset-cap-likely-be-lifted-next-year-sources-say-2024-11-26/" height="16" width="16" alt="" loading="lazy"> <span class="label label--soft">Reuters</span> <a class="analytics t-wwr-sidebar-item sidebar-box-list__item-title" href="https://www.reuters.com/business/finance/wells-fargo-asset-cap-likely-be-lifted-next-year-sources-say-2024-11-26/" target="_blank"> Wells Fargo asset cap likely to be lifted next year, sources say <img src="/static/img/offsite.svg?141716111021" class="off-site-link" alt="offsite link" height="12" width="12" loading="lazy"> </a> </li> <li class="sidebar-box-list__item"> <img src="https://www.google.com/s2/favicons?domain=https%3A//www.ft.com/content/f5732fa2-4876-4595-b5e8-96d3cd6ef50f" height="16" width="16" alt="" loading="lazy"> <span class="label label--soft">Financial Times</span> <a class="analytics t-wwr-sidebar-item sidebar-box-list__item-title" href="https://www.ft.com/content/f5732fa2-4876-4595-b5e8-96d3cd6ef50f" target="_blank"> Citigroup slashes promotions as it seeks to overhaul bank <img src="/static/img/offsite.svg?141716111021" class="off-site-link" alt="offsite link" height="12" width="12" loading="lazy"> </a> </li> <li class="sidebar-box-list__item"> <img src="https://www.google.com/s2/favicons?domain=https%3A//www.wsj.com/finance/banking/morgan-stanley-wealth-management-investigation-f317c71d" height="16" width="16" alt="" loading="lazy"> <span class="label label--soft">The Wall Street Journal</span> <a class="analytics t-wwr-sidebar-item sidebar-box-list__item-title" href="https://www.wsj.com/finance/banking/morgan-stanley-wealth-management-investigation-f317c71d" target="_blank"> How Morgan Stanley Courted Dodgy Customers to Build a Wealth-Management Empire <img src="/static/img/offsite.svg?141716111021" class="off-site-link" alt="offsite link" height="12" width="12" loading="lazy"> </a> </li> </ul> <a class="analytics t-wwr-sidebar-all sidebar-box__cta" aria-label="View all what we are reading items" href="/what-we-are-reading">View all</a> </div> <div class="sidebar-box hide-small show-large" data-box-priority="8"> <h3 class="sidebar-box__header">Industry Intel</h3> <ul class="sidebar-box-list"> <li class="sidebar-box-list__item"> <a class="analytics t-intel-sidebar-item sidebar-box-list__item-title" target="_blank" href="https://dive.pub/40mVWzP"> Debunking Common Myths About Operational Resilience </a> <span class="secondary-label secondary-label--all-caps">Webinar</span> <span class="secondary-label">•</span> <span class="secondary-label">Provided by ARIS</span> </li> <li class="sidebar-box-list__item"> <a class="analytics t-intel-sidebar-item sidebar-box-list__item-title" target="_blank" href="https://resources.industrydive.com/how-it-in-financial-services-can-stay-competitive-in-economic-uncertainty"> How IT in Financial Services Can Stay Competitive in Economic Uncertainty </a> <span class="secondary-label secondary-label--all-caps">Webinar - on demand</span> <span class="secondary-label">•</span> <span class="secondary-label">Provided by Riverbed</span> </li> <li class="sidebar-box-list__item"> <a class="analytics t-intel-sidebar-item sidebar-box-list__item-title" target="_blank" href="https://resources.industrydive.com/unleashing-the-power-of-ai"> Unleashing the Power of AI: How RED Transforms Unstructured Data into Actionable Insights </a> <span class="secondary-label secondary-label--all-caps">Webinar - on demand</span> <span class="secondary-label">•</span> <span class="secondary-label">Provided by Ontotext</span> </li> </ul> </div> <div class="hybrid-ad-wrapper hide-small show-large"> <div class="hybrid-ad-inner-wrapper"> <div class="hide-small show-large"> <div data-container-ad-unit-id="/21662595662/bankingdive/bankingdivehybrid4-desktop"></div> <div id='dfp-hybrid4-desktop'> <script> waitToLoadAds.push(function() { googletag.cmd.push(function() { if (window.dfp_visibility == 'desktop' ) { googletag.display('dfp-hybrid4-desktop'); googletag.pubads().addEventListener('slotRenderEnded', function (event) { var adUnitPath = '/21662595662/bankingdive/bankingdivehybrid4'; var onProformative = false; if (onProformative && event.slot.getAdUnitPath() === adUnitPath && !event.isEmpty ) { var adUnitPathWithVisibility = adUnitPath + '-desktop'; var selector = '.pf-comments__ad-wrapper [data-container-ad-unit-id="' + adUnitPathWithVisibility + '"]'; if (!$(selector).closest('.pf-comments__ad-wrapper').hasClass('borders')) { $(selector).closest('.pf-comments__ad-wrapper').addClass('borders') } } }); } }); }); </script> </div> </div> </div> </div> </aside> </div> </div> </div> <!-- ends page-inner-wrapper --> <section class="pre-footer"> <section class="signup call-out"> <div class="row"> <div class="large-10 medium-11 medium-centered columns footer-signup" style="display: flex"> <div class="footer-signup__content"> <h3>Banking Dive news delivered to your inbox</h3> <p class="subhead">Get the free daily newsletter read by industry experts</p> <form class="form js-form-email-validate" name="signup" action="/signup/" method="POST"> <label for="id_983d9a_email" class="email-input js-email-input"> <span class="screen-reader-text">Email:</span> <input type="email" name="email" placeholder="Work email address" class="email" required id="id_983d9a_email"> </label> <input type="hidden" name="signup_box_location" value="bottom"> <input type="hidden" name="signup_initial_url_path" value="/opinion/"> <input type="hidden" name="js_enabled" value="0" id="id_983d9a_js_enabled"> <ul class="signup-list list-no-bullets"> <li> <label><span class="screen-reader-text">Select Newsletter:</span></label> <input id="newsletter-bottom-checkbox-760" type="checkbox" name="site_newsletters" value="760" class="checkbox" /> <label for="newsletter-bottom-checkbox-760"> <span class="newsletter-title">Daily Dive</span> <span class="secondary-label">M-F</span> </label> </li> <li> <label><span class="screen-reader-text">Select Newsletter:</span></label> <input id="newsletter-bottom-checkbox-3172" type="checkbox" name="site_newsletters" value="3172" class="checkbox" /> <label for="newsletter-bottom-checkbox-3172"> <span class="newsletter-title">Fintech Weekly</span> <span class="secondary-label">Every Wednesday</span> </label> </li> <li> <label><span class="screen-reader-text">Select user consent:</span></label> <input type="checkbox" name="user_consent" id="id_user_consent-bottom" value="1" class="checkbox"/> <label for="id_user_consent-bottom"> <span class="signup-user-consent_box"> <span> By signing up to receive our newsletter, you agree to our <a href="https://www.industrydive.com/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://www.industrydive.com/privacy-policy/" target="_blank">Privacy Policy</a>. You can unsubscribe at anytime. </span> </span> </label> </li> </ul> <button class="button button--medium signup-button" type="submit" value="Sign up">Sign up</button> <script type="module" src="/static/js/dist/sendEmailToLytics.bundle.js?081516261124" ></script> <label class="error email_error" style="display:none;">A valid email address is required.</label> <label class="error newsletter-error" style="display:none;">Please select at least one newsletter.</label> </form> </div> <div class="footer-signup__image"> <img class="desktop-image" src="/static/img/signup-dive.png?080016020822" width="300" height="300" loading="lazy" alt="Daily Dive newsletter example"> </div> </div> </div> </section> </section> <hr class="footer-hr"> <footer> <div class="custom-article-footer"> <div class="row columns"> <div class="footer-grid"> <div class="footer-links"> <a href="https://www.industrydive.com"> <img class="pub-logo-footer" src="https://d12v9rtnomnebu.cloudfront.net/logo/corporate/ID_black.svg" alt="Industry Dive Logo" height="28" loading="lazy"/> </a> <ul class="social-icon-list social-icon-list__footer"> <li> <a href="https://www.linkedin.com/company/banking-dive/about/" aria-label="Industry Dive LinkedIn" class="social-icon-footer analytics t-sitefooter-linkedin"> <img src="/static/img/social_icons/article_page/linkedin.svg?092716141024"> </a> </li> <li> <a href="https://www.facebook.com/Banking-Dive-510756622789753" aria-label="Industry Dive Facebook" class="social-icon-footer analytics t-sitefooter-facebook"> <img src="/static/img/social_icons/article_page/facebook.svg?440116200824"> </a> </li> <li> <a href="https://twitter.com/bankingdive" aria-label="Industry Dive X/Twitter" class="social-icon-footer analytics t-sitefooter-twitter"> <img src="/static/img/social_icons/article_page/x.svg?092716141024"> </a> </li> <li> <a href="https://www.bankingdive.com/feeds/news/" aria-label="Industry Dive RSS feed" class="social-icon-footer analytics t-sitefooter-rss"> <img src="/static/img/social_icons/article_page/rss.svg?440116200824"> </a> </li> </ul> </div> <div class="link-wrapper"> <div class="footer-links"> <h4 class="uppercase-heading-01">Explore</h4> <ul class="list-no-bullets"> <li> <a href="/about/" class="analytics t-about-sitefooter">About</a> </li> <li> <a href="/editors/" class="analytics t-editors-sitefooter">Editorial Team</a> </li> <li> <a href="/contact/" class="analytics t-feedback-sitefooter">Contact Us</a> </li> <li> <a href="/signup/?signup_location=footer-list&signup_path=/opinion/" class="analytics t-signup-sitefooter">Newsletter</a> </li> <li> <a href="/selfservice/article-licensing/submit/" class="analytics t-licensing-sitefooter">Purchase Licensing Rights</a> </li> <li> <a class="analytics t-pr-sitefooter-all" href="/press-release/">Press Releases</a> </li> <li> <a href="/what-we-are-reading/" class="analytics t-wwr-sitefooter">What We're Reading</a> </li> </ul> </div> <div class="second-column"> <div class="footer-links"> <h4 class="uppercase-heading-01">Reach our audience</h4> <ul class="list-no-bullets"> <li> <a href="/advertise/" class="analytics t-advertising-sitefooter">Advertising</a> </li> <li> <a class="analytics t-pr-sitefooter-all" href="/press-release/get-started/">Post a press release</a> </li> <li> <a class="analytics t-pr-sitefooter-all" href="/opinion/">Submit an opinion piece</a> </li> <li> <a class="analytics t-events-sitefooter-start" href="/selfservice/event-listings/contact">Promote an event</a> </li> </ul> </div> <div class="footer-links"> <h4 class="uppercase-heading-01">Related Publications</h4> <ul class="list-no-bullets"> <li> <a href="https://www.cfodive.com/" class="analytics t-sitefooter-related-cfo-dive">CFO Dive</a> </li> <li> <a href="https://www.paymentsdive.com/" class="analytics t-sitefooter-related-payments-dive">Payments Dive</a> </li> </ul> </div> </div> </div> </div> </div> </div> </footer> <hr class="footer-hr"> <div class="baseline-footer-wrapper"> <div class="informa-brand"> <!--?xml version="1.0" encoding="UTF-8"?--> <svg id="SVGRoot" width="500" height="162" version="1.1" viewBox="0 0 500 162" xmlns="http://www.w3.org/2000/svg" xmlns:cc="http://creativecommons.org/ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:xlink="http://www.w3.org/1999/xlink"> <defs> <linearGradient id="linearGradient20775" x1="-24.025" x2="19.204" y1="-161.85" y2="-207.91" gradientTransform="matrix(1.4283 0 0 1.4283 268.58 476.51)" gradientUnits="userSpaceOnUse"> <stop stop-color="#061d41" offset="0"></stop> <stop stop-color="#061d42" stop-opacity=".6549" offset=".232"></stop> <stop stop-color="#051d40" stop-opacity=".56078" offset=".41621"></stop> <stop stop-color="#061c40" stop-opacity=".49804" offset=".61283"></stop> <stop stop-color="#061c40" stop-opacity=".35686" offset=".73858"></stop> <stop stop-color="#051f3e" stop-opacity=".19216" offset=".84133"></stop> <stop stop-color="#002449" stop-opacity=".054902" offset=".92525"></stop> <stop stop-color="#002449" stop-opacity=".054902" offset="1"></stop> </linearGradient> <linearGradient id="linearGradient20795" x1="-4.8824" x2="58.082" y1="-141.2" y2="-141.2" gradientTransform="matrix(1.4283 0 0 1.4283 268.6 476.54)" gradientUnits="userSpaceOnUse"> <stop stop-color="#061d41" offset="0"></stop> <stop stop-color="#223358" stop-opacity=".85098" offset=".098161"></stop> <stop stop-color="#3b486e" stop-opacity=".55686" offset=".18261"></stop> <stop stop-color="#535d82" stop-opacity=".4" offset=".26261"></stop> <stop stop-color="#656e8e" stop-opacity=".31765" offset=".33879"></stop> <stop stop-color="#77819f" stop-opacity=".21569" offset=".40636"></stop> <stop stop-color="#79809f" stop-opacity=".26275" offset=".46157"></stop> <stop stop-color="#495478" stop-opacity=".54902" offset=".5371"></stop> <stop stop-color="#26365c" stop-opacity=".66667" offset=".6699"></stop> <stop stop-color="#26375b" stop-opacity=".76863" offset=".80174"></stop> <stop stop-color="#13264b" stop-opacity=".9098" offset=".88553"></stop> <stop stop-color="#061d41" offset="1"></stop> </linearGradient> <linearGradient id="linearGradient20785" x1="10.56" x2="51.569" y1="-165.47" y2="-148.21" gradientTransform="matrix(1.4283 0 0 1.4283 268.58 476.51)" gradientUnits="userSpaceOnUse"> <stop stop-color="#061d41" offset="0"></stop> <stop stop-color="#061d42" stop-opacity=".6549" offset=".1618"></stop> <stop stop-color="#051d40" stop-opacity=".56078" offset=".34338"></stop> <stop stop-color="#061c40" stop-opacity=".49804" offset=".54217"></stop> <stop stop-color="#061c40" stop-opacity=".35686" offset=".66063"></stop> <stop stop-color="#051f3e" stop-opacity=".19216" offset=".78691"></stop> <stop stop-color="#002449" stop-opacity=".054902" offset=".89046"></stop> <stop stop-color="#002449" stop-opacity=".054902" offset="1"></stop> </linearGradient> </defs> <metadata> <rdf:rdf> <cc:work rdf:about=""> <dc:format>image/svg+xml</dc:format> <dc:type rdf:resource="http://purl.org/dc/dcmitype/StillImage"></dc:type> <dc:title></dc:title> </cc:work> </rdf:rdf> </metadata> <g transform="translate(-226.26 -174.1)"> <g fill="#061d41"> <path d="m433.38 241.62c-3.5038 0-6.3829-2.822-6.3829-6.3791s2.8792-6.3829 6.3829-6.3829 6.3791 2.8258 6.3791 6.3829-2.8754 6.3791-6.3791 6.3791m5.9945 50.686h-11.951v-46.269h11.951z"> </path> <path d="m477.3 292.31v-27.958c0-5.0614-0.5408-10.485-6.7371-10.485-3.4162 0-7.9101 1.4662-10.968 3.2143v35.228h-11.947v-46.265h11.947v4.6044c4.1398-3.0353 10.694-6.0706 15.816-6.0706 9.6163 0 13.836 7.1675 13.836 16.281v31.45z"> </path> <path d="m601.54 254.52c-3.5152 0.35038-7.2893 2.3003-10.344 4.0446v33.743h-11.951v-46.261h11.951v5.507c4.1321-3.0353 10.69-5.507 15.813-5.507v8.687s-2.9782-0.46083-5.4689-0.21328"> </path> <path d="m549.89 293.5c-15.276 0-23.452-9.4754-23.452-24.835 0-15.542 8.1767-24.096 23.452-24.096 14.822 0 23.452 9.0146 23.452 24.096 0 15.451-8.0853 24.835-23.452 24.835m0-40.655c-8.7175 0-11.593 8.4661-11.593 16.003 0 7.5445 2.6088 16.925 11.593 16.925 9.0793 0 11.68-9.2887 11.68-16.925 0-7.5369-2.963-16.003-11.68-16.003"> </path> <path d="m669.05 292.31v-27.958c0-5.1528-1.0816-10.485-7.1903-10.485-3.142 0-6.6457 1.4662-9.3421 3.2143 0.27039 1.1997 0.35799 2.4869 0.35799 3.778v31.45h-11.947v-27.958c0-5.0614-0.62838-10.485-6.8285-10.485-3.0582 0-6.8323 1.4662-9.3497 3.2143v35.228h-11.951v-46.265h11.951v4.6044c3.778-3.0353 9.9819-6.0706 14.735-6.0706 5.1262 0 9.1669 2.1099 11.505 6.8971 4.3149-2.9439 10.964-6.8971 16.174-6.8971 9.7039 0 13.836 7.1675 13.836 16.281v31.45z"> </path> <path d="m715.48 285.5c-3.2334 4.5054-9.2545 8.0015-14.735 8.0015-7.4569 0-13.84-5.0614-13.84-13.059 0-15.085 16.353-16.829 27.767-17.29v-2.7611c0-5.2404-4.2236-7.9063-9.0755-7.9063-4.4901 0-9.3421 0.63981-13.661 2.1137v-5.149c4.8557-3.0391 10.336-4.8748 16.087-4.8748 8.9841 0 18.239 3.9531 18.239 14.533v33.198h-10.782zm-16.982-6.8018c0 4.1398 2.6088 7.0761 6.6495 7.0761 5.0309 0 9.5249-4.3188 9.5249-9.563v-6.6228c-5.3013 0.28182-16.174 2.2089-16.174 9.1098"> </path> <path d="m520.32 236.2c1.5043 0 3.0658 0.14472 4.5815 0.36942v-5.2975c-2.9744-1.5538-6.2572-2.525-9.6125-2.525-10.606 0-15.001 7.3579-15.001 17.294h-5.5146v8.0548h5.5146l0.0876 38.206h12.035v-38.206h12.492v-8.0548h-12.579c0-5.8878 1.3482-9.841 7.9977-9.841"> </path> </g> <g fill="#061d41" fill-rule="evenodd" shape-rendering="auto"> <path d="m381.26 248.68c-2.4473 5.7e-4 -4.5519 1.4664-5.4845 3.568-0.38853 1.002-0.5029 1.8671-0.50214 2.798 1e-3 1.4426-0.0436 2.876-0.13391 4.2961-2.2793 35.836-31.958 64.081-68.38 64.081-37.915 0-68.523-30.608-68.523-68.523 0-1.6651 0.0792-3.3112 0.19528-4.9461h-12.007c-0.0999 1.6378-0.16738 3.2836-0.16738 4.9461 1e-5 44.387 36.114 80.499 80.501 80.499 42.933 0 78.125-33.783 80.384-76.164 0.0765-1.4352 0.0818-2.8815 0.11438-4.3352 0.0166-0.73955-0.17802-1.5025-0.30408-2.1229-0.79532-2.3817-3.0446-4.0986-5.6937-4.098z" color="#000000" color-rendering="auto" image-rendering="auto" style="font-feature-settings:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-variant-numeric:normal;font-variant-position:normal;isolation:auto;mix-blend-mode:normal;shape-padding:0;text-decoration-color:#000000;text-decoration-line:none;text-decoration-style:solid;text-indent:0;text-orientation:mixed;text-transform:none;white-space:normal"> </path> <path d="m306.7 197.44c-0.88702-4.9e-4 -1.7724 0.34162-2.4884 0.59142-1.6476 0.85112-2.766 2.5696-2.7646 4.536 1e-3 1.7596 0.89642 3.3156 2.2624 4.2319 1.0349 0.56984 1.9875 0.91995 2.9905 0.92338 26.184 0.0893 47.302 21.117 47.302 47.302 0 1.5398-0.073 3.0621-0.21587 4.5636l10.251 0.79182c0.16357-1.7636 0.2472-3.5499 0.2472-5.3554 0-31.742-25.842-57.567-57.584-57.584zm-52.471 52.105c-2.4386-6.7e-4 -4.4709 1.6825-4.9851 3.9669-0.12083 0.53679-0.12789 1.0361-0.12832 1.512-5e-3 5.2759 0.70622 10.388 2.0408 15.246l10.155-1.9255c-1.2353-4.2224-1.9022-8.692-1.9127-13.32-2e-3 -0.69049-0.14382-1.4219-0.33476-2.042-0.62601-2.033-2.5892-3.4362-4.8345-3.4369z" color="#000000" color-rendering="auto" image-rendering="auto" style="font-feature-settings:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-variant-numeric:normal;font-variant-position:normal;isolation:auto;mix-blend-mode:normal;shape-padding:0;text-decoration-color:#000000;text-decoration-line:none;text-decoration-style:solid;text-indent:0;text-orientation:mixed;text-transform:none;white-space:normal"> </path> <path d="m281.67 229.68c-6.5492 6.4699-10.616 15.447-10.616 25.347 0 7.0626 2.0718 13.653 5.6379 19.198l0.86758 1.2693c0.8646 1.2649 2.0641 2.1192 3.5457 2.1201 2.2281 1e-3 4.0346-1.8058 4.0339-4.0338-3.7e-4 -1.0655-0.50216-2.016-1.1744-2.8427-0.5747-0.70663-1.0534-1.5768-1.512-2.4103-2.1674-3.9394-3.4006-8.4678-3.4006-13.301 0-7.7048 3.1245-14.644 8.1787-19.64z" color="#000000" color-rendering="auto" image-rendering="auto" style="font-feature-settings:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-variant-numeric:normal;font-variant-position:normal;isolation:auto;mix-blend-mode:normal;shape-padding:0;text-decoration-color:#000000;text-decoration-line:none;text-decoration-style:solid;text-indent:0;text-orientation:mixed;text-transform:none;white-space:normal"> </path> </g> <g fill="#071b40" fill-opacity=".29804" fill-rule="evenodd"> <g stroke-width="1.3525"> <path d="m291.86 206.48a5.1041 5.1041 0 0 1 -5.1041 5.1041 5.1041 5.1041 0 0 1 -5.1041 -5.1041 5.1041 5.1041 0 0 1 5.1041 -5.1041 5.1041 5.1041 0 0 1 5.1041 5.1041z"> </path> <path d="m274.75 217.8a5.1041 5.1041 0 0 1 -5.1041 5.1041 5.1041 5.1041 0 0 1 -5.1041 -5.1041 5.1041 5.1041 0 0 1 5.1041 -5.1041 5.1041 5.1041 0 0 1 5.1041 5.1041z"> </path> <path d="m263.36 234.81a5.1041 5.1041 0 0 1 -5.1041 5.1041 5.1041 5.1041 0 0 1 -5.1041 -5.1041 5.1041 5.1041 0 0 1 5.1041 -5.1041 5.1041 5.1041 0 0 1 5.1041 5.1041z"> </path> </g> <g stroke-width="1.0687"> <path d="m320.64 285.07a4.0328 4.0328 0 0 1 -4.0328 4.0328 4.0328 4.0328 0 0 1 -4.0328 -4.0328 4.0328 4.0328 0 0 1 4.0328 -4.0328 4.0328 4.0328 0 0 1 4.0328 4.0328z"> </path> <path d="m301.02 285.09a4.0328 4.0328 0 0 1 -4.0328 4.0328 4.0328 4.0328 0 0 1 -4.0328 -4.0328 4.0328 4.0328 0 0 1 4.0328 -4.0328 4.0328 4.0328 0 0 1 4.0328 4.0328z"> </path> <path d="m336.5 273.53a4.0328 4.0328 0 0 1 -4.0328 4.0328 4.0328 4.0328 0 0 1 -4.0328 -4.0328 4.0328 4.0328 0 0 1 4.0328 -4.0328 4.0328 4.0328 0 0 1 4.0328 4.0328z"> </path> </g> <g stroke-width="1.5897"> <path d="m312.8 180.37a5.9989 5.9989 0 0 1 -5.9989 5.9989 5.9989 5.9989 0 0 1 -5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 5.9989z"> </path> <path d="m332.03 182.94a5.9989 5.9989 0 0 1 -5.9989 5.9989 5.9989 5.9989 0 0 1 -5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 5.9989z"> </path> <path d="m350.06 190.37a5.9989 5.9989 0 0 1 -5.9989 5.9989 5.9989 5.9989 0 0 1 -5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 5.9989z"> </path> <path d="m365.49 202.19a5.9989 5.9989 0 0 1 -5.9989 5.9989 5.9989 5.9989 0 0 1 -5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 5.9989z"> </path> <path d="m377.25 217.59a5.9989 5.9989 0 0 1 -5.9989 5.9989 5.9989 5.9989 0 0 1 -5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 5.9989z"> </path> <path d="m384.78 235.81a5.9989 5.9989 0 0 1 -5.9989 5.9989 5.9989 5.9989 0 0 1 -5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 -5.9989 5.9989 5.9989 0 0 1 5.9989 5.9989z"> </path> </g> </g> <g fill-rule="evenodd" shape-rendering="auto"> <path d="m295.46 175.21c-39.056 5.5116-69.203 39.138-69.203 79.69h11.979c0-34.643 25.557-63.171 58.89-67.839z" color="#000000" color-rendering="auto" fill="url(#linearGradient20775)" image-rendering="auto" style="font-feature-settings:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-variant-numeric:normal;font-variant-position:normal;isolation:auto;mix-blend-mode:normal;shape-padding:0;text-decoration-color:#000000;text-decoration-line:none;text-decoration-style:solid;text-indent:0;text-orientation:mixed;text-transform:none;white-space:normal"> </path> <path d="m354.02 255.05c0 26.184-21.117 47.302-47.302 47.302-22.44 0-41.114-15.509-46.034-36.426l-10.01 2.4168c6.0075 25.359 28.875 44.292 56.044 44.292 31.742 0 57.584-25.842 57.584-57.584z" color="#000000" color-rendering="auto" fill="url(#linearGradient20795)" image-rendering="auto" style="font-feature-settings:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-variant-numeric:normal;font-variant-position:normal;isolation:auto;mix-blend-mode:normal;shape-padding:0;text-decoration-color:#000000;text-decoration-line:none;text-decoration-style:solid;text-indent:0;text-orientation:mixed;text-transform:none;white-space:normal"> </path> <path d="m306.7 219.37c-10.191 0-19.404 4.3099-25.911 11.201l5.893 5.3366c5.0292-5.267 12.128-8.5393 20.018-8.5393 15.319 0 27.651 12.335 27.651 27.654 0 3.852-0.78457 7.5121-2.1955 10.838l7.3396 3.116c1.8342-4.2892 2.8538-9.0054 2.8538-13.954 0-19.642-16.007-35.652-35.649-35.652z" color="#000000" color-rendering="auto" fill="url(#linearGradient20785)" image-rendering="auto" style="font-feature-settings:normal;font-variant-alternates:normal;font-variant-caps:normal;font-variant-ligatures:normal;font-variant-numeric:normal;font-variant-position:normal;isolation:auto;mix-blend-mode:normal;shape-padding:0;text-decoration-color:#000000;text-decoration-line:none;text-decoration-style:solid;text-indent:0;text-orientation:mixed;text-transform:none;white-space:normal"> </path> </g> </g> </svg> <div> Industry Dive is an Informa business </div> </div> <div class="baseline-footer"> © 2024 <a href="http://www.industrydive.com">Industry Dive</a>. All rights reserved. | View our <a href="http://www.industrydive.com/industries/">other publications</a> | <a href="http://www.industrydive.com/privacy-policy/">Privacy policy</a> | <a href="http://www.industrydive.com/terms-of-use/">Terms of use</a> | <a href="http://www.industrydive.com/takedown-policy/">Take down policy</a>. <br> <a href="#" onclick="Osano.cm.showDrawer('osano-cm-dom-info-dialog-open')">Cookie Preferences / Do Not Sell</a> </div> </div> </div> </div> <!-- mobile menu, not visible on desktop, must go AFTER footer --> <nav class="mobile-menu"> <div class="mm-top-bar"> <button class="mobile-menu-toggle"> <img src="/static/img/menu_icons/close.svg?273117231121" width="20" height="20" alt="close menu"/> </button> <div class="mm-search"> <form action="/search/" method="GET" data-ajax="false"> <label for="search-mobile"> <span class="screen-reader-text">Search</span> <input id="search-mobile" type="search" name="q" placeholder="Search" data-role="none"> </label> <button type="submit" value="" data-role="none" class="search-button-front analytics t-search-navigation-mobile"> <img src="/static/img/menu_icons/search.svg?320116291121" width="15" height="15" alt="search"> </button> </form> </div> </div> <ul class="mm-list list-no-bullets"> <li> <a href="/" class="analytics t-dash-navigation-mobile"> <span>Home</span> </a> </li> <li class="mm-accordion"> <button> <span>Topics</span> <span class="accordion-toggle-arrow"> <img src="/static/img/menu_icons/chevron_down.svg?102717100918" width="16" height="9" alt="down arrow" loading="lazy"> </span> </button> <ul class="list-no-bullets"> <li> <a class="analytics t-topic-navigation-mobile-commercial" href="/topic/commercial/">Commercial</a> </li> <li> <a class="analytics t-topic-navigation-mobile-retail" href="/topic/retail/">Retail</a> </li> <li> <a class="analytics t-topic-navigation-mobile-credit-unions" href="/topic/credit-unions/">Credit Unions</a> </li> <li> <a class="analytics t-topic-navigation-mobile-payments" href="/topic/payments/">Payments</a> </li> <li> <a class="analytics t-topic-navigation-mobile-regulations-policy" href="/topic/regulations-policy/">Regulations & Policy</a> </li> <li> <a class="analytics t-topic-navigation-mobile-technology" href="/topic/technology/">Technology</a> </li> <li> <a class="analytics t-topic-navigation-mobile-risk" href="/topic/risk/">Risk</a> </li> <li> <a class="analytics t-topic-navigation-mobile-fintech" href="/topic/fintech/">Fintech</a> </li> </ul> </li> <li> <a href="/deep-dive/" class="analytics t-deepdive-navigation-mobile"> <span>Deep Dive</span> </a> </li> <li> <a href="/opinion/" class="analytics t-opinion-navigation-mobile"> <span>Opinion</span> </a> </li> <li> <a href="/library/" class="analytics t-library-navigation-mobile"> <span>Library</span> </a> </li> <li> <a href="/events/" class="analytics t-events-navigation-mobile"> <span>Events</span> </a> </li> <li> <a href="/press-release/" class="analytics t-press-releases-navigation-mobile"> <span>Press Releases</span> </a> </li> </ul> <section class="signup mm-signup"> <div class="row"> <div class="large-9 medium-10 medium-centered columns"> <h3 class="display-heading-03 display-heading-03--loud">Get Banking Dive in your inbox</h3> <p class="subhead">The free newsletter covering the top industry headlines</p> <form class="form js-form-email-validate" name="signup" action="/signup/" method="POST"> <label for="id_2c68_email" class="email-input js-email-input"> <span class="screen-reader-text">Email:</span> <input type="email" name="email" placeholder="Work email address" class="email" required id="id_2c68_email"> </label> <input type="hidden" name="signup_box_location" value="integrated_menu"> <input type="hidden" name="signup_initial_url_path" value="/opinion/"> <input type="hidden" name="js_enabled" value="0" id="id_2c68_js_enabled"> <ul class="signup-list list-no-bullets"> <li> <label><span class="screen-reader-text">Select Newsletter:</span></label> <input id="newsletter-integrated_menu-checkbox-760" type="checkbox" name="site_newsletters" value="760" class="checkbox" /> <label for="newsletter-integrated_menu-checkbox-760"> <span class="newsletter-title">Daily Dive</span> <span class="secondary-label">M-F</span> </label> </li> <li> <label><span class="screen-reader-text">Select Newsletter:</span></label> <input id="newsletter-integrated_menu-checkbox-3172" type="checkbox" name="site_newsletters" value="3172" class="checkbox" /> <label for="newsletter-integrated_menu-checkbox-3172"> <span class="newsletter-title">Fintech Weekly</span> <span class="secondary-label">Every Wednesday</span> </label> </li> <li> <label><span class="screen-reader-text">Select user consent:</span></label> <input type="checkbox" name="user_consent" id="id_user_consent-integrated_menu" value="1" class="checkbox"/> <label for="id_user_consent-integrated_menu"> <span class="signup-user-consent_box"> <span> By signing up to receive our newsletter, you agree to our <a href="https://www.industrydive.com/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://www.industrydive.com/privacy-policy/" target="_blank">Privacy Policy</a>. You can unsubscribe at anytime. </span> </span> </label> </li> </ul> <button class="button button--medium signup-button" type="submit" value="Sign up">Sign up</button> <script type="module" src="/static/js/dist/sendEmailToLytics.bundle.js?081516261124" ></script> <label class="error email_error" style="display:none;">A valid email address is required.</label> <label class="error newsletter-error" style="display:none;">Please select at least one newsletter.</label> </form> </div> </div> </section> </nav> <!-- Track signups for Facebook Conversions API --> <script type="module" src="/static/js/dist/signupValidation.bundle.js?081516261124" ></script> <script type="module" src="/static/js/dist/gtmEvents.bundle.js?081516261124" ></script> <!-- Convert straight quotes to curly --> <script type="module" src="/static/js/dist/smartQuotes.bundle.js?081516261124" ></script> <script> // Set cookie if we're on mobile app. Expire if we're not. This affects // which template is used to display the site to the user. $(document).ready(function() { // Get integer value of mobileapp param from URL and default to 0 if it doesn't exist var mobileapp = ''; // Set cookie if mobileapp is 1 or 2 or expire cookie if mobileapp == 0 if (mobileapp == '0') { document.cookie = 'mobileapp=; path=/; expires=Thu, 01 Jan 1970 00:00:01 GMT;'; } else if (mobileapp == '1' || mobileapp == '2') { document.cookie = 'mobileapp=' + mobileapp + '; path=/;'; } // There's no need to immediately load or preload print.css since it's not needed on page // load. Therefore, load it when the document is ready var stylesheet=document.createElement("link"); stylesheet.setAttribute("rel", "stylesheet"); stylesheet.setAttribute("type", "text/css"); stylesheet.setAttribute("media", "print"); if (window.location.pathname.includes('trendline')) { stylesheet.setAttribute("href", "/static/css/print_trendline.css?491216261124"); } else { stylesheet.setAttribute("href", "/static/css/print.css?491216261124"); } document.getElementsByTagName("head")[0].appendChild(stylesheet); }); </script> <!-- Sailthru Horizon --> <!-- <script type="text/javascript" src="https://ak.sail-horizon.com/horizon/v1.js"></script> --> <script src="https://ak.sail-horizon.com/spm/spm.v1.min.js"></script> <script type="text/javascript"> $(function() { // Sailthru Personalization Engine Setup var sailthru_setup = { customerId: '12ab35a80530ffa5450add9c09f5de04', domain: 'horizon.bankingdive.com', spider: false }; if (window.Sailthru) { Sailthru.init(sailthru_setup); } }); </script> <script>(function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'8e92a9e22e9c9c9b',t:'MTczMjcxNjIyNy4wMDAwMDA='};var a=document.createElement('script');a.nonce='';a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();</script></body> </html>