Banking Perspectives

The quarterly journal of BPI @bankpolicy and The Clearing House @TCHtweets, covering bank regulation, payments, monetary policy, and all things banking.

[Banking Perspectives @BankPerspective]

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[Banking Perspectives @BankPerspective]

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[Banking Perspectives @BankPerspective]

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[Banking Perspectives @BankPerspective]

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[Banking Perspectives @BankPerspective]

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[Aaron Klein @Aarondklein]

I'm a firm believer that real-time payments should be adopted by all banks because it is market leading. It's the first new payment rail in over 40 years. It's going to help customers be more efficient — @CitizensBank Michael Cummings is right! https://t.co/IDUtMUYMlk

[Banking Perspectives @BankPerspective]

Balancing Banking Regulation to Deal with Risky Lending and Runs: When banks perform multiple services, regulating them gets even more complicated. The frictions that make the services valuable will drive a wedge between private and social objectives. https://t.co/5It9ZC1wom

[Banking Perspectives @BankPerspective]

Expectations and Economics of Financial Crises: Standard models of expectations cannot explain the 2008 financial crisis. We offer a more realistic alternative, by Nicola Gennaioli and Andrei Shleifer @Harvard https://t.co/oLO2TXWViq

[Banking Perspectives @BankPerspective]

The CECL Approach: The current expected credit loss approach is a good idea that will yield procyclicality, says Stephen G. Ryan, @NYUStern #CECL https://t.co/82Zj5owVfw

[Banking Perspectives @BankPerspective]

FRB & FDIC Cast a Critical Eye on Resolution Plans: While the living-will process continues to evolve, it is likely that many of the central tenets and requirements will remain in place for the foreseeable future, by Neil Bloomfield & Kate Wellman @MVA_LAW https://t.co/FL7CFzKEDB

[Banking Perspectives @BankPerspective]

Banks and the Next Recession: Bankers and regulators must carefully consider how the many changes in the financial system could affect us in the next recession. We should take actions now that would reduce those impacts, says Doug Elliott of @OliverWyman https://t.co/3cQhN8Vgkn

[Banking Perspectives @BankPerspective]

FinTech and the New Financial Landscape: A recent conference at the @philadelphiafed served as an opportunity to catch up on some of the advantages and potential problems of #FinTech lenders. @Aarondklein https://t.co/tRSAK6v2rE

[Banking Perspectives @BankPerspective]

CEO Michael O’Grady of @NorthernTrust discusses emerging technology and more with @baerheel from @bankpolicy

[Banking Perspectives @BankPerspective]

BPI's @baerheel questions "Has the enhanced resilience and resolvability of large banks reduced the likelihood of another financial crisis or increased it?" in "The Next Financial Crisis and the Great Buffer Fallacy" https://t.co/0bIAbPayZs

[Banking Perspectives @BankPerspective]

Banks’ corporate customers are quickly realizing the potential benefits of the RTP network’s real-time payments and messaging functionality. #realtime #RTP #fasterpayments @TCHtweets https://t.co/4zBxAiZ2Om

[Banking Perspectives @BankPerspective]

The Q1 2019 edition of Banking Perspectives looks at the steps taken to improve the soundness of the industry since the last financial crisis and how some of the steps, mandated by bank regulations, could contribute to the next crisis. https://t.co/y2dHGp5vTj @bankpolicy

[Bank Policy Institute @bankpolicy]

Congratulations to several of our member banks and the women leaders featured in this year’s “Most Influential Women in Payments.” @americanexpress @discover @tdbank_us @usbank

https://t.co/NXQId3Rquq

[Binna Kim @binnaskim]

How does AI intelligently provide news without contributing to “news blindspots” - @emilywithrow talks about how AI can help newsrooms understand readers, meet the reader where they are, by taking cues from the big tech companies. #aijournalism #sxsw #southbysouthvest

[Bank Policy Institute @bankpolicy]

Actually, @Aarondklein, no need to mandate anything! The system is already built, up and running, and any bank wishing to participate can find the necessary information here: https://t.co/YJhHMaLKSU

[Bank Policy Institute @bankpolicy]

BPI members understand the hardship that the shutdown is having on furloughed employees and stand ready to help. Check out some of the ways that they are offering assistance: https://t.co/3ckO9bLmdr