Steve Cocheo

'If you build it, they will come' clearly didn't work. Instead, devising use cases that eased pain points has sparked growth for The Clearing House Real-Time Payment solution.

After a near-death experience in 2023, a shift in marketing has helped get the Real-Time Payment Network of The Clearing House back on a growth path. The launch of rival FedNow in 2023 also helped.

Veteran bank analyst is seeking answers from BofA, JPMorgan Chase, Fifth Third, U.S. Bank and Truist.

The political outcome may matter less than the musical chairs among regulators under any new administration.

Whichever party wins the White House, the outcome will be a mixed bag for the banking industry. While a Harris win will likely mean more of the same, Trump will be a wild card. And the calculus also depends on which party wins the House and Senate. Meanwhile key Supreme Court decisions have reformed the regulatory playing field.

Digging deeper with Citizens Financial, Fifth Third, First Citizens and its SVB division, Huntington, M&T, Western Alliance and Zions.

More community banks could seek mergers as rates fall, and a Trump win might speed deals. But divergence among regulators could slow consolidation.

Getting started in treasury demands clear focus on business customers' needs and hiring the right people — often from other banks.

McKinsey's latest global payments study finds a major portion of U.S. consumer payments takes place in places like Amazon, Walmart.com and other platforms and marketplaces. But a growing population of specialized, vertical payments venues, such as billing for lawyers and doctors, are also nibbling at banking's share of merchant processing. Could all these nonbank players give instant payments a strong nudge?

The same day that the Consumer Financial Protection Bureau unveiled its final personal financial data rule, the banking industry sued to stop the bureau's controversial take on open banking. Then Donald Trump regained the White House. Should institutions wait to see what happens after the smoke clears? Or should they exploit opportunities that may benefit early adopters?