The GENIUS Act put stablecoins under a federal framework. Tokenized deposits never needed one. That distinction shapes decisions on deposit...

Gen Z and millennials switch financial institutions faster than any generation. Credit unions already lead on price, referral, rate, and...

Interchange pressure from the Visa/Mastercard settlement is forcing community banks and credit unions to choose: cut rewards or fund loyalty...

Credit unions cannot defend underwriting that misreads members with volatile income when the data to read them correctly already sits...

Eleven percent of U.S. banked consumers admit disputing a transaction they knew was legitimate, and it touches every generation. Datos...

Fintech firms and digital banks are eroding product differentiation, making data mastery a strategic imperative. Datos Insights’ three-stage Data Capability...

Mobile app quality, not branch access, now drives primary-bank selection among Gen Z consumers. The Datos Matrix evaluates eight vendors...

Consumer loan origination technology is a decade behind, and it’s costing banks business: 60% of Gen Z borrowers wait over...

Digital account opening decides where deposits land: 76% of small businesses call it essential, and 32% would switch banks over...

Legacy cores can’t keep pace with FIs’ roadmaps, and full replacement is costly, complex, and slow. Datos Insights evaluated seven...

For banks seeking growth among small businesses, additional segmentation through addressing the needs of microbusinesses presents a considerable opportunity. Over 16 million new business applications were filed between 2021...

Legacy payment rails still drive the majority of volume and revenue. New capabilities only deliver value with solid operations behind...

The accelerating disintermediation of small-business lending is resulting in the loss of income from interest and noncredit sources. As fintech...

The consumer loan origination system (CLOS) market is undergoing a fundamental transformation after a decade of limited innovation. Financial institutions...

The extension of financial functionality into nonfinancial applications and the variety of money movement offerings now available are creating a...