Jay Thibain

Jay Thibain

Banking Technology Consultant
Jay Thibain is a seasoned expert in banking and finance with a passion for fintech and innovation. Known for his straightforward writing style that prioritizes simplicity over jargon, Jay resonates with a wide audience of bankers, brokers, and fintech enthusiasts. From dissecting banking protocols to exploring investment strategies and corporate governance, Jay empowers finance professionals with the knowledge and insights they need to thrive.
ECB Says Digital Euro Will Bolster, Not Replace, Banks
Banking ECB Says Digital Euro Will Bolster, Not Replace, Banks

In a financial world increasingly dominated by non-European technology giants and the unpredictable rise of private stablecoins, the European Central Bank is preparing a countermove that paradoxically aims to save the continent's traditional banking sector by introducing a novel form of public

Warren Bill Lets States Cap High Interest Rates
Regulatory & Compliance Warren Bill Lets States Cap High Interest Rates

A flippant remark made by one of the world's most influential bankers at a global economic summit has unexpectedly ignited a high-stakes political showdown on Capitol Hill over consumer debt. Senator Elizabeth Warren is spearheading federal legislation aimed at empowering states to cap high

What Happens When a Merger Goes Sideways?
Regulatory & Compliance What Happens When a Merger Goes Sideways?

An Introduction to a Merger Meltdown The promise of a corporate merger often conjures images of synergistic growth and strategic triumphs, yet the reality can sometimes devolve into a battlefield of clashing egos and irreconcilable differences. In the typically cooperative world of credit unions,

A Five-Step Guide to Future-Ready Core Banking
Digital & Technology A Five-Step Guide to Future-Ready Core Banking

The foundational technology that has powered the global banking system for decades is now reaching a critical state of obsolescence, creating an urgent and unavoidable inflection point for financial institutions worldwide. For years, the banking sector has acknowledged the mounting pressures from

UK to Regulate Buy Now, Pay Later Services
Digital & Technology UK to Regulate Buy Now, Pay Later Services

Introduction: Safeguarding Consumers in the £13 Billion BNPL Market The financial landscape for millions of shoppers has fundamentally shifted, as comprehensive regulations from the Financial Conduct Authority (FCA) now govern the UK's burgeoning Buy Now, Pay Later sector. This decisive action

How Will Pagaya's $720M Deal Reshape POS Lending?
Capital, Risk & Assets How Will Pagaya's $720M Deal Reshape POS Lending?

The complex machinery of consumer finance was once dominated by traditional banking giants, but the recent infusion of institutional capital into fintech-driven lending is redrawing the entire map of the industry. Industry analysts are closely watching these developments, offering diverse

Ripple Secures Full EU License for European Payments
Regulatory & Compliance Ripple Secures Full EU License for European Payments

A Landmark Approval Unlocks the European Payments Market The regulatory landscape of European finance has been irrevocably altered by Ripple's successful acquisition of a full Electronic Money Institution license from Luxembourg's Commission de Surveillance du Secteur Financier (CSSF). This pivotal

How Will BofA Challenge the Credit Card Giants?
Digital & Technology How Will BofA Challenge the Credit Card Giants?

Despite possessing one of the largest and most loyal customer bases in American banking, Bank of America has long been perceived as a quiet contender rather than a dominant force in the high-stakes arena of credit card rewards and innovation. This paradox, however, is being aggressively dismantled

Who Is Rathbones' New Chief Technology Officer?
Trends & Future Who Is Rathbones' New Chief Technology Officer?

In a decisive move that reverberates through the storied halls of wealth management, a firm established centuries ago has deliberately reshaped its leadership to confront the digital frontier head-on. A Strategic Appointment Signals a New Technological Era for a Financial Titan The recent C-suite

Chicago Bank Is First to Fail in the U.S. This Year
Banking Chicago Bank Is First to Fail in the U.S. This Year

The abrupt closure of Metropolitan Capital Bank & Trust on January 30 sent a clear signal across the financial sector, marking the first time this year that regulators have stepped in to shut down a U.S. financial institution. While an isolated event, the failure serves as a crucial test of the

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