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60 Results from "Scott Hamilton"

How to avoid online scams and hype: Is reading the ‘fine print’ enough anymore?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How to avoid online scams and hype: Is reading the ‘fine print’ enough anymore?

Why do people keep losing money from schemes, scams, and ‘too good to be true’ offers in what is probably one of - if not the most - heavily regulated sectors of the economy? 2024 saw a continuing increase in fraudulent scams and a parade of disappointing (or damaging) online product offerings, including in the financial services marketplace. As...

/security

Should the FDIC be eliminated?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Should the FDIC be eliminated?

Do Americans really want to eliminate the agency that has protected their bank deposits (to a point) from sudden, unexpected losses due to their financial institution’s failure – and done so since the Great Depression? We’re about to find out, if stories circulating recently through Wall Street and Washington, DC are true. According to many major ...

/retail

What is agentic AI, and why should banks or customers care?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

What is agentic AI, and why should banks or customers care?

You’ll soon be hearing a lot about agentic AI, if you haven’t already. The World Economic Forum defines and explains agentic AI and its impact in a recent article on the topic, noting how this discipline/approach/tool “will transform” the financial services industry. “Agentic artificial intelligence (AI) goes beyond generative AI (GenAI) by enabli...

/ai

How retail giants like Starbucks and Staples are handling cash
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How retail giants like Starbucks and Staples are handling cash

Despite the steady growth of debit or credit card transactions to a high percentage of their daily totals, retailers still must manage cash deliveries and collections for the remainder, other than the small number of items paid for via cheque or purchase order. That’s what a recent panel of three treasury leaders from leading retailers talked abou...

/retail

CFPB’s Section 1033: Will US open banking reach its potential?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

CFPB’s Section 1033: Will US open banking reach its potential?

Just over a month since the US Consumer Financial Protection Bureau released its 'final ruling' on the expansion of the Dodd-Frank Act, the financial services world has now weighed in with a variety of detailed viewpoints on the landmark personal data rights and open banking regulation. Will the new requirements for banking and fintech providers s...

/regulation

Cyber-attack case studies: Data, costs, and solutions
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Cyber-attack case studies: Data, costs, and solutions

Invite 165 or so treasury managers and other financial leaders and practitioners in a room, tell them you’re going to put them through a cyber-attack simulation, and advise that their actions will directly influence the exercise’s ultimate outcomes. Will they agree to do it? Of course they will! Especially since, according to an IBM study cited...

/security

Where is AI winning, and heading next in financial services?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Where is AI winning, and heading next in financial services?

The Evident AI Symposium in New York City saw insightful, and occasionally incisive, roundtable discussions on the current state of the AI industry across a number of related topics, with a specific focus on the financial services field. Opening remarks from Teresa Heitsenrether, chief data and analytics officer for JP Morgan Chase provided an o...

/ai

How sustainable finance powers community projects
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How sustainable finance powers community projects

Two sessions at the Association for Financial Professionals (AFP) annual conference in Nashville - among several others covering various subsets of the discipline - offered practical and promising insights into the continuing growth of sustainable finance in the corporate and consumer arenas. One involved the Canadian/global bank CIBC and two of i...

/sustainable

How home-grown insights, big-bank connections fuel fast-growing treasury fintech
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

How home-grown insights, big-bank connections fuel fast-growing treasury fintech

When Treasury4’s executive team contacted Finextra to announce that it was joining the JP Morgan Payments Partner Network, we were intrigued by the ‘why.’ We wanted to know what being a part of the JPM ‘payments ecosystem’ would really mean to a fast-growing, ‘actual-experience-driven’ fintech start-up like the Spokane, WA-based treasury and finan...

/payments

Will ESG-linked accounts help banks stand out from their sustainable finance competitors?
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

Will ESG-linked accounts help banks stand out from their sustainable finance competitors?

When Standard Chartered introduced its ESG-linked account in August 2024, it wasn’t the first time the bank had turned its focus directly towards environmental and social issues in its product portfolio. In fact, the bank’s sustainable account - which offers clients access to their cash while investing the surplus to support United Nations Sustai...

/sustainable

US 2024 election: How AI policy differences will impact financial institutions and fintechs
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

US 2024 election: How AI policy differences will impact financial institutions and fintechs

Kamala Harris and Donald Trump’s artificial intelligence (AI) regulation and/or promotion within the financial services and fintech arena likely won’t differ much this November, based on a consensus of opinions found from experts in the field. At least not initially, say expert issue-watchers from sources such as the Center for Strategic & Int...

/ai

The 'good stuff' happening in sustainable lending in the US
Scott Hamilton

Scott Hamilton Contributing Editor at Finextra Research

The 'good stuff' happening in sustainable lending in the US

The Inflation Reduction Act (IRA), passed by the US Congress in 2022 and signed into law by President Biden, is working as intended, and America’s major banks are getting onboard with sustainable lending. That’s what we’re hearing from leaders of the financial institution wing of Boston-based Ceres – the nonprofit advocacy organisation formed in ...

/sustainable

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