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Today Chris Nichols sits down with Ryan Zacharia and Adam Aspes, partners at FINTOP. Returning after four years from their last appearance on our show, they discuss tokenization, AI, and the digital transformations banks are undergoing in an era of evolving technology.   The views, information, or opinions expressed during this show are solely those…

When it comes to determining the value of a deposit base, there are three major components that drive franchise value: effective cost of funds, interest rate sensitivity (duration and convexity), and volatility. It is a rare bank that can manage all three dimensions of deposit performance and one that stands out is Citibank as they…

Today, Chris Nichols sits down with Alex Johnson, author of popular newsletter Fintech Takes. They discuss the importance of Stablecoin as it’s related to the banking industry and why community banks should pay attention to it. The views, information, or opinions expressed during this show are solely those of the participants involved and do not…

I am not sure if the hype around stablecoin is real or not, but my position is that this could be a dramatic shift in banking, and it is worth spending time and effort to see if just 25% of the hype is true. In this article, we provide the algorithm to see if a…

Today Chris Nichols sit down with Subodh Mathur to talk about his work with India’s UPI system and what American banks can learn. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. –…

For the second quarter of 2025, there were 11mm checks written every day totaling $34B, according to the latest Federal Reserve data. While the number of checks decline by about 8% every year, the fact that we still have the check is an embarrassment to banking. In this article, we explore what each check likely…

As banks contemplate their strategic options for stablecoin, it is worth understanding the business model that drives the profitability of the product to make the best decision possible against a sea of unknown factors. In this article, we explore the potential profitability of a bank-issued stablecoin and the analytic model that will drive profit. The…

The recent popularity of stablecoin and tokenized deposits have forced banks to take another look at a wallet strategy. Even if you are not planning to issue a stablecoin or tokenized deposits, the fact that these instruments are separate from a bank’s core means any other bank can capture these products into a digital wallet….

For years, cross-border payments have been slow, expensive, and opaque. On top of that, currencies and currency transactions have often lacked trust. A stablecoin promise a faster, more transparent and trustworthy solution. With the signing of the Genius Act into law, banks have the rare chance to rethink how they move money, store value and…

Today, SouthState’s Chris Nichols sits down with Steven Ramirez, Founder of Beyond the Arc, where they offer B2B payment marketing strategies for banks. They discuss the current trends and best practices for how banks can market payments and treasury management. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025   Check…

As we near the final stages of strategic planning and budgeting, several bank technology trends are emerging that will play out over the next several years. This list isn’t necessarily for bank technologists but for business line executives who make decisions on products and services. In this article, we highlight these investments, put them in…

With almost 30% of banks utilizing some portion of instant payments, the industry is starting to gather more data on how instant payments impact balances, customer acquisition, and account usage. Instant payments have the potential to change the payment landscape for banks. In this article, we look at seven ways instant payments impact deposit performance…