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Open Source on the Rise the Ubiquitous Virtual Assistant Perks As a Service Blockchain Puts Peers Back in P2p Amp up Recruiting with Ai January 2018 | americanbanker.com RETHINK COMMERCIAL REAL ESTATE THE CAR AS A WALLET THE HAZARDS OF VIRTUE SIGNALING THE AMAZON BATTLE IS ON BEHAVIORAL ECONOMICS IN ACTION MISSION 2018 OPEN SOURCE ON THE RISE THE UBIQUITOUS VIRTUAL ASSISTANT PERKS AS A SERVICE BLOCKCHAIN PUTS PEERS BACK IN P2P AMP UP RECRUITING WITH AI 001_ABM_0118 1 12/8/17 1:42 PM FIDELITY CLEARING & CUSTODY SOLUTIONS Powering transformation for banks, broker-dealers, and RIAs Introducing Fidelity AMP Automated Managed Platform co-developed with eMoney® Integrated with WealthscapeSM, Fidelity AMP is a planning-led digital advice solution that helps you manage automated and fully advised clients side by side. Visit go.fi delity.com/digitaladvicesolutions Call 800.735.3756 Consolidated Data Digital Advice Note: The solutions feature both Fidelity and third-party resources. Advisory eMoney is an independent company and is a liated with Fidelity Investments. Screenshots are for illustrative purposes only. Certain non-brokerage products and services accessible through Wealthscape, which is an online brokerage portal, may be o ered by either Fidelity-a liated companies or non-a liated third parties through a single sign-on. Fidelity Clearing & Custody Solutions® provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. © 2017 FMR LLC. All rights reserved. 818800.2.0 32862-AD-11_AD-AMP2.0-AmerBanker_FP.indd0C2_ABM0118 2 1 12/7/201711/29/17 11:12:49 10:28 AM AM Contents JANUARY 2018 / VOLUME 128 / NO 1 MISSION2018 5 7 10 28 32 COVER STORY Briefi ngs Meet & Greet 5 Win for Public Banks 28 People to Watch 10 Mission 2018 Advocates of state-owned Synchrony’s Margaret How new developments on many fronts are banks have a champion in Keane and Square’s Jack going to impact the banking industry in the new N.J. governor Dorsey are among those year ahead and beyond — and what you can with an interesting year do to prepare 6 SBA Sparks ahead Rule change expected to boost already surging small- business lending program BackPorch 32 Quotes from U.S. Sen. 6 PNC’s National Push Richard Durbin, Terry Dolan In the works are branches of U.S. Bancorp, and more in new markets and digital lending nationwide IN EACH ISSUE BankTechnology 4 Editor’s Note 7 Put It in T-Bills Can a startup make consumers feel like their deposits are safe without FDIC insurance? American Banker (ISSN 2162-3198) Vol. 128 No. 1, is published monthly by SourceMedia, One State 8 Unicorn Hunters Street Plaza, 27th Floor New York, NY 10004. Subscription price: $119 per year in the U.S.; $139 for all other countries. Periodical postage paid at New York, NY and additional U.S. mailing of ces. Banks see venture capital- POSTMASTER: send all address changes to American Banker, One State Street Plaza, New York, NY 10004. For subscriptions, renewals, address changes and delivery service issues contact our backed fintech startups as Customer Service department at (212) 803-8500 or email: [email protected]. Send editorial lucrative customers inquires and manuscripts to American Banker, One State Street Plaza, 27th Floor, New York, NY 10004. This publication is designed to provide accurate and authoritative information regarding the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering nancial, legal, accounting, tax or other professional service. American Banker is a registered trademark used herein under license. © Copyright 2018 SourceMedia, Incorporated and American Banker. All rights reserved. www.americanbanker.com. JANUARY 2018 AMERICAN BANKER 1 001_ABM0118 1 12/8/2017 1:54:59 PM What’s going on americanbanker.com @ Keeping nancial services professionals updated on vital developments and focusing sharply on their most important concerns MOST READ MOST SHARED BANKTHINK Trump signs resolution Banks start vendor Your customers killing arbitration rule management firm aren’t psychic With little fanfare, President Bank of America, JPMorgan Focus on ensuring that your Trump ofcially struck down Chase, Wells Fargo and Amex teams know why you make a Consumer Financial launched a vendor manage- changes, and they will be Protection Bureau rule that ment rm. TruSight will assess, far more likely to make those prohibited nancial companies validate and monitor vendors changes work for you, said from including mandatory on behalf of the consortium, Dave Martin, the founder of arbitration clauses. which is expected to expand. bankmechanics, in this op-ed. Bloomberg News Bloomberg News Established 1836 One State Street Plaza, 27th floor, New York, NY 10004 Phone 212-803-8200 AmericanBanker.com Emails [email protected] Volume 128, No. 1 Editor in Chief Rob Blackwell 571.403.3834 Ian McKendry 571.403.3857 Midwest/Southwest Executive Editor Bonnie McGeer Managing Editor Dean Anason 770.621.9935 John Reosti 571.403.3864 Shelly Schmeling 312.932.9392 Executive Editor Bonnie McGeer 212.803.8430 Gary Siegel 212.803.1560 West Copy Editor Neil Cassidy Senior Editor Alan Kline 571.403.3846 Jackie Stewart 571.403.3852 Sara Culley 831.438.8408 Art Director Robin Henriquez Kevin Wack 626.486.2341 Editor at Large Penny Crosman 212.803.8673 Midatlantic/Southeast Contributors Laura Alix, Rob Blackwell, Penny Washington Bureau Chief Bryan Yurcan 212.803.8753 David Cleworth 843.640.3713 Crosman, Brian Patrick Eha, Rob Garver, Nick Holland, Joe Adler 571.403.3832 Group Editorial Director, Banking/Capital Markets Alan Kline, Dave Lindorff, Andy Peters, John Reosti, Technology Editor Suleman Din 212.803.8738 Marketing Manager Richard Melville 212.803.8679 Kevin Wack, Bryan Yurcan Community Banking Editor Deborah Vanderlinder 212.803.8323 Paul Davis 336.852.9496 VP, Content Operations and Creative Services Group Director Custom Marketing Solutions News Editor Andy Peters 404.500.5770 Paul Vogel 212.803.8832 Virginia Wiese 704.987.3224 Contributing Editor Daniel Wolfe 212.803.8397 Digital Managing Editor Director of Creative Operations Associate Director of Classified Sales Christopher Wood 212.803.8437 Michael Chu 212.803.8313 Dominique Gageant 212.803.8882 Copy Editor Neil Cassidy 212.803.8440 VP, Research CIRCULATION/CUSTOMER SERVICE Deputy Editor, BankThink Dana Jackson 212.803.8329 Subscriptions [email protected] Chief Executive Officer Douglas J. Manoni Mary Wisniewski 323.380.5248 Customer Service/Renewals Chief Financial Officer Robert Dennen Reporters/Producers ADVERTISING [email protected] 212.803.8500 Chief Revenue Officer Marianne Collins Laura Alix 860.836.5431 VP Sales, Banking & Payments Reprints For information about reprints and licens- EVP & Chief Content Officer David Longobardi Kate Berry 562.434.5432 Dennis Strong 212.803.8372 ing content, visit www.SourceMediaReprints.com or Chief Product & Audience Officer Minna Rhee Kristin Broughton 212.803.8755 Northeast contact PARS International Corp. 212.221.9595 Chief Marketing Officer Matthew Yorke Brian Collins 571.403.3837 Brad Bava 212.803.8829 SVP, Conferences & Events John DelMauro Brian Patrick Eha 212.803.8715 Director of Content Operations SVP, Human Resources Ying Wong John Heltman 571.403.3847 Theresa Hambel 212.803.8245 2 AMERICAN BANKER JANUARY 2018 002_ABM0118 2 12/8/2017 9:22:32 AM Retail Banking is coming to Colorado! Retail Banking 2018 will focus on: PRICE PER PASS Branch evolution Customer experience EARLY BIRD TICKETS Deposit growth FinTech integration AVAILABLE New regulatory priorities Business model reinvention FDIC Insured Banks: $1,295 Identity and fraud post-Equifax Credit Unions: $1,295 The event will provide a variety of learning formats, from big Government O cials: $995 picture keynotes to targeted, deeper-dive workshops and scheduled networking for meaningful business connections. All Others: $1,845 Combine this with an audience of the industry’s thought leaders These rates expire on and it’s no surprise that consumer banking business leaders return Friday, February 9th. to American Banker’s Retail Banking event year after year! To register, please contact Ingrid Olsen ([email protected]) at 212-803-8456, Ron Senyor ([email protected]) at 212-803-8709 or visit us at www.americanbanker.com/conference/retail-2018 Brought to you by: EVENTS d35035_RetailBanking_ABMPrint_Ad.indd003_ABM0118 3 1 12/7/201711/29/17 11:12:53 11:45 AM AM Editor’s Note BY BONNIE McGEER CDFI Aims to Transform How Lending Gets Done Much like traditional banks, community development nancial institutions reach and impact, and traditional banks are trying to adjust to the digital revolution too. stand to be a big part of that growth, with The nonprot Excelsior Growth Fund in New York is further along in that e ort the opportunity to earn Community Re- than most, and its president, Steven Cohen, has some insight to share with others in investment Act credit in the process. the sector looking to modernize. “Forward-thinking, technoloy-driven He is a big proponent of technoloy and its potential to transform how CDFIs and CDFIs are sort of changing the way that banks work together. banks could conceivably serve their cus- Excelsior, which provides small-business loans and advisory services, focuses on tomers, retain their customers and get those that typically cannot qualify for nancing at a bank. The end goal is not to keep CRA credit all at the same time,” Cohen customers, but to help them move on to a bank eventually. said. Cohen also aims to keep small businesses away from more unscrupulous lenders. The Association for Enterprise Op- “The CDFI industry, like other segments of the nancial services industry, is going portunity, a trade group for microenter- through a process of adapting to the destruction that is going on,” Cohen said. “We’re prise loan funds, developed a platform seeing 20% of the market go to these online lenders,” which are largely unregulated it calls “myWay to Credit,” where banks and in some cases predatory.
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