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Lenders need to be prepared for quicker, digitally driven runs after SEC rules out short-selling ban.

Concerns over funding costs, liquidity, and deposit outflows could lead to a credit crunch, according to recent Federal Reserve reports.

Amid scrutiny over who鈥檚 to blame for recent bank collapses, politicians are weighing in on the need to change legislation.

We run down the status of the four most at-risk regional lenders following SVB鈥檚 collapse. And look at why the Big Six are better protected.

The mix of flexible working arrangements banks and fintechs offer could create recruitment advantages for opportunistic firms.

Banks recognize the benefits and risks of AI. Planning for regulation, investing now, and educating staff are all key to embracing the tech.

As younger generations use the P2P app for more of their banking needs, it鈥檚 still missing key financial services.

Thousands of users saw $0 balances or couldn鈥檛 access accounts. With no clear explanation from BofA, the bank risks losing customers.

All banks feel the hit to their bottom lines, but smaller banks hurt the most. Here鈥檚 how they鈥檙e redesigning their approach to overdrafts.

Fintechs are better off cutting costs and scaling back expansion plans until the finance climate improves.

Now that's changing with the likes of the chimes and Navarros and these sort of neobanks who have done a good job of bringing in third parties, but the traditional community financial institutions will really have to start amping up their digital game to start delivering those kinds of third party services to really benefit from this. Rob Rubin (16:46):.

The Amazon of Latin America has a $3.6 billion plan: Mercado Libre will invest 19 billion reais in Brazil, in part to fund its fintech arm鈥攚hich poses an enormous threat to the region鈥檚 banks.

It's already gotten that started by transitioning it's branded prepaid cards into essentially neobank checking accounts. So it's got a lot going on there. And it does have Walmart Pay, which it may not be used to the extent that Apple Pay is used, but I think you do have some Walmart Pay loyalists that have bought into Walmart Pay. It's not just dead on arrival.

Do you see, with all these issues with traditional banks, do you see any of these brands moving to a neobank or a digital bank as maybe an alternative? Jeremy Goldman:. I think that it's a really interesting question. I think the answer is probably people are going to look at that as one of many different places where they can park their revenues.

If you're a financial institution, if you're a neobank, or if you're a large money center bank, or if you are an emerging micro lender, make sure that every touch is personalized, relevant, and timely. And that goes a long way to fostering in and generating trust. Rob Rubin:.