Deep Dive

Industry insights from our journalists


  • Federal Reserve Board Vice Chair for Supervision Michael S. Barr with hand to ear as if trying to listen.
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    Win McNamee via Getty Images
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    9 capital-requirements comments to watch

    Fed governors, trade groups, housing advocates, academics, bank CEOs and even Basel itself have had choice words for the most contentious proposal in decades.

    Dan Ennis • Jan. 19, 2024
  • Federal Reserve Board Vice Chair for Supervision Michael S. Barr with hand to ear as if trying to listen.
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    Win McNamee via Getty Images
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    Barr hints at looming changes for emergency fund, capital requirements

    A post-SVB lending facility may end in March as scheduled, the Fed supervisory czar indicated. Meanwhile, the public looks to get a louder say on the impact of new capital rules.

    Dan Ennis • Jan. 10, 2024
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    Piranka via Getty Images
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    Making the case for women-owned banks

    Three women-owned banks have emerged in the past several years with the shared goal of increasing access to capital for female entrepreneurs.

    Anna Hrushka • Nov. 13, 2023
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    Anna Moneymaker via Getty Images
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    CRA revision spurs predictable reactions, several Bowman objections

    An update to the anti-redlining law brought no shortage of thoughts from the Fed's most vocal conservative, but other criticism appeared relatively muted.

    Dan Ennis • Oct. 25, 2023
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    JPMorgan Chase
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    Can JPMorgan Chase fill the startup banking void?

    The New York City-based firm added close to 200 bankers to its division that serves startups and VC-backed businesses this year as it looks to fill a space vacated by Silicon Valley Bank.

    Anna Hrushka • Oct. 17, 2023
  • A cannabis leaf placed on a one dollar bill partially shields President George Washington's portrait.
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    Kendall Davis/HR Dive
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    Cannabis-friendly banks face pressure to differentiate

    Banks have used risk-based pricing and non-interest-bearing accounts to justify the high cost and labor associated with banking the sector. But as more players enter the game, firms weigh rethinking their strategies.

    Anna Hrushka • Sept. 26, 2023
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    Michael M. Santiago/ via Getty Images
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    Goldman’s strategy retreat leaves GreenSky in limbo

    The installment-lending fintech, which Goldman is looking to sell, faces an uncertain future as the investment bank distances itself from an ambitious retail strategy.

    Anna Hrushka • Sept. 7, 2023
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    jariyawat thinsandee via Getty Images
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    Payments fraud climbs as banks reach for joint response

    Financial institutions and payments players are seeking to coalesce around new efforts to battle skyrocketing payments fraud.

    Lynne Marek • May 26, 2023
  • Paze's logo is displayed on a smart phone.
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    Photo illustration: Shaun Lucas/Industry Dive; Getty Images; Paze

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    EWS readies Paze to help banks take on digital wallet market

    Even with the backing of the nation’s largest banks, the platform, set for a June launch, will face adoption and security hurdles, industry experts say.

    Anna Hrushka • April 3, 2023
  • People gather outside Silicon Valley Bank.
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    Justin Sullivan via Getty Images
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    ‘Meme stock in reverse’: SVB collapse portends new era of viral bank runs

    Silicon Valley Bank’s demise gave the banking sector a glimpse into how social media and digital banking can turn a financial institution from operational to insolvent in a matter of hours.

    Anna Hrushka • March 15, 2023
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    Dan Kitwood / Staff via Getty Images
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    The crypto world is sending mixed signals

    Nearly 2,000 crypto workers have been laid off in 2023, but the value of Bitcoin climbed enough in January for Goldman Sachs to take note.

    Gabrielle Saulsbery • Jan. 27, 2023
  • ESG debate escalates as GOP goes after influencers

    Twenty-one Republican attorneys general argue proxy advisers ISS and Glass Lewis' shareholder voting recommendations on climate policy and board diversity violate their duty to investors.

    Dan Ennis • Jan. 19, 2023
  • Officials and employees celebrate the grand opening of Fiserv's Berkeley Heights, New Jersey office on Nov. 15.
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    Permission granted by Fiserv
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    Investors press FIS, Fiserv for divestitures

    The big processors mushroomed in 2019 acquisitions, with promises that scale would pay off, but shareholders now urge them to consider divestitures.

    Lynne Marek and Caitlin Mullen • Dec. 22, 2022
  • The curved banner of a Walmart store, the brand name in white letters and the characteristic yellow sunburst logo to the right, against a blue sky.
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    Daphne Howland/Banking Dive
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    How deep of a banking threat is Walmart’s One?

    The retailer has scale, brand recognition and a pedigree in an ex-Marcus CEO. The proof may come when the company turns its beta test loose on customers.

    Anna Hrushka • Nov. 16, 2022
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    ipopba via Getty Images
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    Banking-as-a-service grows as regulators play catch-up

    The BaaS space is expected to reach $74.55 billion by 2030, and has emerged as an enticing revenue stream for community banks. Meanwhile, the OCC has hinted more regulation is forthcoming.

    Anna Hrushka • Oct. 25, 2022
  • How automation can help banks tame the home-lending ‘roller coaster’

    The cyclical nature of the market doesn’t mean lenders should be forced to respond with mass hiring or firing as demand for mortgages ebbs and flows, analysts say.

    Anna Hrushka • Aug. 26, 2022
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    abdoudz via Getty Images
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    FedNow chases real-time payments front-runners

    The Federal Reserve plans to unleash a U.S. real-time payments system next year in the form of FedNow, but it’s an open question as to whether, or how, consumers and businesses will adopt instant payments.

    Lynne Marek • July 18, 2022
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    Permission granted by Quontic Bank
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    Banks eye first-mover advantage to embracing the metaverse

    Banks are carving out their own spaces in the metaverse, a virtual world estimated to represent a $1 trillion market opportunity.

    Anna Hrushka • June 2, 2022
  • PPP 2 years later: Analyzing the legacy and impact of the $800B government relief program

    Lenders and banking industry experts reflect on the lessons learned from the government's small-business rescue program, and what lies ahead for its participants.

    Anna Hrushka • May 4, 2022
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    Alex Wong via Getty Images
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    US banks brace for stricter sanctions against Russia

    The Russian banks the U.S. targeted Tuesday account for only 5% of the country's total bank assets.

    Robin Bradley • Feb. 24, 2022
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    Dan Kitwood/Getty Images News via Getty Images
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    Banks, fintechs navigate market's appetite for crypto amid pending regulatory guidance

    From Bitcoin rewards to custody services for digital assets, banks and fintechs are carving out strategies and services tied to crypto as regulators seek to catch up with guidance.

    Anna Hrushka • Nov. 22, 2021
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    Michael Nagle via Getty Images
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    5 insights on how Morgan Health aims to move the needle on employer health costs

    Morgan Health learned a lot from Haven, but is a different beast with a better knowledge of the buy-in needed to disrupt the health benefits space, CEO Dan Mendelson told Industry Dive.

    Rebecca Pifer • Oct. 7, 2021
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    Mark Wilson via Getty Images
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    Rethinking overdraft

    While many stakeholders would agree banks need to revamp the fee-based model, it remains to be seen whether change will come through legislation or the market.

    Anna Hrushka • July 12, 2021
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    Alex Wong / Staff via Getty Images
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    Visa, Mastercard face biggest challenges in a decade

    Regulatory, legislative and court confrontations over the card networks' fees are ratcheting up pressure again for reform of the behemoths' practices.

    Lynne Marek • April 22, 2021
  • Exterior of the Federal Reserve building in Washington, D.C.
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    Anna Hrushka/Banking Dive
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    Policy questions remain as global governments explore CBDCs

    Bank Policy Institute's chief examines the impact and drawbacks of various models of digital coin as the Fed and other countries forge ahead.

    Anna Hrushka • April 19, 2021