6 min read
67% Are Implementing AI. Only 16% Know Why.
James White: 2/13/26 2:18 PM
Key Takeaways from This Blog:
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James White: 2/13/26 2:18 PM
8 min read
M&A Study: 865 Banks and Credit Unions Are Ready to Merge, and Many Don't Know It Yet
James White: 2/5/26 6:23 PM
By 2028, between 500 and 800 U.S. financial institutions will disappear. Not from failure. From the merger.
12 min read
The Consolidation Wave Banking and Credit Union Boards Are Ignoring
James White: 1/22/26 2:33 PM
Key Takeaways from this Blog:
11 min read
The Charter Rush Nobody's Talking About
James White: 1/15/26 2:28 PM
Key Takeaways from This Blog:
7 min read
The $298 Billion Lesson Banks Keep Ignoring
James White: 12/29/25 1:06 PM
Key Takeaways from This Blog:
7 min read
The $10 Billion Question: Why Most Banks Are Sitting on a Data Gold Mine They Can't Spend
James White: 12/23/25 9:00 AM
Key Takeaways from This Blog:
4 min read
AI-Native Banking Isn't Coming in 2026. It's Already Here.
James White: 12/12/25 11:39 AM
Financial institutions keep talking about "adding AI" to their operations. Installing chatbots. Deploying fraud detection models. Automating...
3 min read
AI Isn’t One and Done: Banks Need an Agent Admin Before They Need Another Model
James White: 11/20/25 1:17 PM
Key Takeaways From This Blog: AI isn’t static software, it learns, drifts, and changes over time. Treating it like a plug-and-play tool is a mistake....
3 min read
Amara’s Law and the Fear That Stalls Banking’s Future
James White: 10/30/25 10:08 AM
Key Takeaways From This Blog: Each wave of innovation, online banking, mobile, now AI, follows the same cycle: hype, hesitation, and eventual...
1 min read
AI Agents Just Got a Wallet: What That Means for Banks and Credit Unions
James White: 10/10/25 11:21 AM
Google, Mastercard, PayPal, American Express, and Coinbase quietly changed the script last week. They rolled out theAgent Payments Protocol, which...