Sarah Vainstein

Sarah Vainstein

Fintech Innovation Expert
Sarah Vainstein is a fintech expert with a keen interest in banking. She explores various topics, ranging from the impact of digital transformation on traditional banking to the rise of decentralized finance (DeFi). Her analytical approach provides valuable perspectives and guidance on the application of Fintech.
How Will Fed Rate Cuts Impact 2024 Mortgage Rates and Home Buying?
Capital, Risk & Assets How Will Fed Rate Cuts Impact 2024 Mortgage Rates and Home Buying?

The Federal Reserve's recent decision to cut interest rates has the potential to significantly impact mortgage rates and the housing market in 2024. As potential homebuyers and homeowners considering refinancing look to navigate these changes, understanding the dynamics at play is essential.

Ithala Bank Navigates Compliance Challenges to Secure Future Growth
Regulatory & Compliance Ithala Bank Navigates Compliance Challenges to Secure Future Growth

Ithala Bank, a beacon of financial support for many small businesses and rural communities in South Africa, faces significant challenges in its quest to maintain operational integrity and foster growth. Recently, the bank encountered a major setback when its Financial Services Provider (FSP)

Fintech Collaborations Revolutionize Banking with Innovation and Agility
Trends & Future Fintech Collaborations Revolutionize Banking with Innovation and Agility

The financial sector is undergoing a significant transformation driven by strategic partnerships between traditional banks and fintech companies, integrating advanced technologies like blockchain, artificial intelligence (AI), and digital payments. These alliances are not only enhancing customer

How Can UK Regulators Ensure Cash Access Amid Bank Closures?
Regulatory & Compliance How Can UK Regulators Ensure Cash Access Amid Bank Closures?

As the digital financial landscape advances, the UK faces the pressing issue of maintaining cash accessibility amid the ongoing closure of bank branches and ATMs. The United Kingdom's Financial Conduct Authority (FCA) has stepped in with new regulations to tackle this challenge, set to take

How Will Wells Fargo Address Its AML and Financial Crime Shortfalls?
Capital, Risk & Assets How Will Wells Fargo Address Its AML and Financial Crime Shortfalls?

The recent enforcement action initiated by the Office of the Comptroller of the Currency (OCC) against Wells Fargo has cast a spotlight on significant inadequacies within the bank's anti-money laundering (AML) controls and financial crime risk management. The OCC identified multiple

AI Transforms Financial Advisory Amid Wealth Transfer and Regulations
Capital, Risk & Assets AI Transforms Financial Advisory Amid Wealth Transfer and Regulations

The financial services industry has been revolutionized by technological advancements and significant demographic shifts. With the integration of artificial intelligence (AI) and the anticipation of the "great wealth transfer," financial advisors find themselves at a crossroads,

Regulators Tighten Oversight on Bank-Fintech Partnerships to Mitigate Risk
Regulatory & Compliance Regulators Tighten Oversight on Bank-Fintech Partnerships to Mitigate Risk

The rapid surge in collaborations between banks and fintech companies has drawn significant attention from U.S. financial regulators. With an increasing emphasis on ensuring financial stability and consumer protections, regulatory bodies such as the Federal Reserve System (FRB), Federal Deposit

Is Regulatory Scrutiny Stifling Bank Engagement in Cryptocurrency?
Capital, Risk & Assets Is Regulatory Scrutiny Stifling Bank Engagement in Cryptocurrency?

The United States Federal Reserve recently issued a cease-and-desist order against United Texas Bank, highlighting major deficiencies in the bank's risk management systems and cryptocurrency dealings. This order underscores growing concerns from regulators about financial institutions

Are Behavioral Biometrics the Future of Banking Fraud Prevention?
Regulatory & Compliance Are Behavioral Biometrics the Future of Banking Fraud Prevention?

The rapid growth of digital banking, alongside increasing incidents of account takeover (ATO) fraud, has propelled banks to seek more advanced security measures. Traditional biometric systems, such as facial and fingerprint recognition, have been a popular choice, but they come with inherent

Bank Regulators Overlook Financial Risks, Focus Too Much on IT Issues
Capital, Risk & Assets Bank Regulators Overlook Financial Risks, Focus Too Much on IT Issues

Operational risk management in the U.S. banking sector has increasingly become a point of contention between banks and their regulators. The core of the debate lies in the balance of scrutiny between operational risks, such as IT and cybersecurity, and more traditional financial risks like interest

Loading
Latest Articles

Subscribe to our weekly news digest.

Join now and become a part of our fast-growing community.

Invalid Email Address
Thanks for Subscribing!
We'll be sending you our best soon!
Something went wrong, please try again later