The co-founder of Fintech Sandbox says fintech entrepreneurs will figure out how to help Americans struggling with economic stressors.

Rachel Anderika, chief operating officer at Anchorage Digital Bank, sees the Federal Reserve's proposal to give crypto companies limited access to its payment rails as "a really great signal to the market."

Sid Khosla, EY Americas banking and capital markets Leader, predicts that over the next two years, 20% of generative AI cases will drive 80% of the value across financial institutions. In this podcast, he explains what those use cases are and how banks can make the most of them.

Theo Lau and Brad Leimer, authors of "Beyond Good: How Technology Is Leading a Purpose-Driven Business Revolution," discuss financial companies like Sunrise Banks and Tabb Bank that are working toward dual aims of making a better world and turning a profit.

The Birmingham, Alabama, bank has developed artificial intelligence-based systems that can flag suspicious activity and guide customer service representatives. Amala Duggirala, the bank's chief operations and technology officer, describes the AI work she and her team have been doing.

Pressure is mounting on banks to rein in overdraft fees. The behavioral psychologist Wei Ke says there are programs they can put in place that would be fairer to account holders and still generate income.

Distributed ledger projects in banking are few and far between — many have stalled and others remain experiments. Robert Townsend, who has worked with banks around the world and written a book about blockchain technology, explains some of the ways financial institutions could be using it, for instance in small-business lending and supply chain finance.

The average American's financial picture is bleaker than government data suggests, according to the former comptroller of the currency. Research from his new organization, the Ludwig Institute for Shared Economic Prosperity, has found that unemployment is higher and household wages are lower than reported by the Bureau of Labor Statistics.

Many big companies have made pledges to diversify their workforces, treat minority communities more fairly and clean up the environment to burnish their images, says Meredith Benton, CEO of the consultancy Whistle Stop Capital. But few are willing to share data to prove it's all more than a PR campaign, she says.

Like many banks, TD had to move swiftly to spin up new self-service tools tied to chat channels, e-signatures and PPP lending. Innovation chief Michael Rhodes will continue the faster financial approval and development cycles that COVID necessitated.

Sen. Cynthia Lummis, a Republican, leads a new congressional caucus aimed at educating members about fintech issues. She believes her state could serve as a model for regulating digital assets.

The Providence, R.I., bank partners with tech companies like Apple and Microsoft, it has 25 fintech partnerships and it rewards employees for new ideas, says CEO Bruce Van Saun.

Theo Lau, co-founder of Unconventional Ventures and author of the new book Banking on Artificial Intelligence, shares a vision of how banks could help consumers navigate financial uncertainties.

Thousands of customers have called OceanFirst Bank with a new set of technical questions: How do you download an app? Make a mobile deposit? Load a debit card into Apple Pay? CEO Chris Maher explains how the New Jersey company is handling the shift to digital banking.

Hood Qaim-Maqami, divisional CIO at the Bank of New York Mellon, has ideas about how technology can be used to make people feel connected.

Cold, hard cash is inevitably going away. Banks have a responsibility to help consumers who don't have smartphones or even email addresses be prepared, says Shawn Rose, chief digital officer of Scotiabank.

Others, like JPMorgan Chase, have shut down their mobile-only brands. But Rising Bank, Midwest BankCentre's three-year-old neobank, is meeting its deposit goals, adding new products and avoiding cannibalization, says Dale Oberkfell, the bank's president.

Olaf Carlson-Wee, founder and CEO of the cryptocurrency hedge fund Polychain Capital, discusses which digital currencies and blockchain technologies are reshaping payments and which are "nonsense projects."

Todder Moning and Valerie Lancelle, who work in the bank's innovation group, said they were especially impressed by demos of immersive technology, 5G and ambient computing.

Venture capitalists will shift their focus to fintechs that support financial inclusion, according to Emmalyn Shaw, managing partner of the VC firm Flourish. Meanwhile, challenger banks will continue to grow, she says.

Brian Hamilton, CEO of the challenger bank One, says some have as their spending has slowed during months of economic lockdown. And the rest can be coached to make smarter choices, he argues.

Shawn Rose, chief digital officer, and Holly Pontisso, vice president of customer experience at Scotiabank at Toronto, share how they have adapted their digital offerings for people over 50, including making sure ageist attitudes don't creep into digital channels or messaging.

Most fintechs entertain the idea of getting a commercial banking license from time to time, but Current is content partnering with banks, says founder and CEO Stuart Sopp.

Ludwig, an ex-banking regulator and CEO of Promontory Financial Group, describes how economic conditions for middle- and low-income Americans have declined and advocates a living wage, investment in infrastructure, smart regulation and other solutions.

The unit as of September had 20% more clients than a year earlier. Liu, who is head of North America for Citi Private Bank, explains the changes she's made to help her group attract and serve millennials, Gen Z, Asian Americans and families.

Kabbage co-founder Kathryn Petralia, whose company is being sold to American Express, discusses government and financial-sector lifelines she says could help businesses that have been hit hardest by the pandemic.

Fraud of all kinds has been spiking during the pandemic. Krista Tedder, head of payments, Javelin Strategy & Research, says there are many steps banks could be taking to detect and deter it.

Caitlin Long, a former Morgan Stanley and Credit Suisse managing director, is starting a special-purpose depository institution that will provide payment and custody services to institutional investors and corporate treasurers.

Anu Rames of BNP Paribas Asset Management talks with Chip Barnett about "digital inequality" and the financing mechanisms available to investors to help close this "have and have not" gap in a post-pandemic world. (14 minutes)

Vanessa Colella, innovation chief at Citi, says remote working has had a democratizing effect. She also touches on the types of technology Citi has been incubating, the startups it's investing in and her efforts at fostering a culture of generosity.

How is this fintech managing to improve as others struggle? Christine Pierson, president and CEO of the national specialty finance firm Tresl, explains how it has been able to turn challenges into opportunities.

Jamie Warder, head of digital banking at KeyBank, says alliances with companies like HelloWallet have helped him and his team adapt to changing conditions during the coronavirus crisis.

A sneak peek of a new podcast launching on American Banker in our Leaders forum. Arizent CEO Gemma Postlethwaite talks about lessons in leadership with Michal Katz, Head of Investment and Corporate Banking in the Americas at Mizuho.

Wei Ke, partner at Simon-Kucher & Partners, shares research and analysis from a recent consumer survey on branch versus digital banking behaviors after the coronavirus lockdowns are over.

Rather than funnel mortgage and rent payments through consumers, the federal government should instead deal directly with landlords, utilities and banks, suggests Howard Newman, managing partner of Pine Brook Partners.

Sells, American Banker's Digital Banker of the Year, explains how he encouraged his team to take risks on projects like a three-minute account opening process and a system that analyzes core data in real time to help set deposit prices.

The acting Comptroller of the Currency weighs in on social unrest, the reformed Community Reinvestment Act, fintech charters and how he believes technology can make finance more inclusive.

Competition over virtual currency could alter politics and global power structures, potentially to the detriment of the U.S., the author of "The Currency Cold War" argues.

Dan Geller, behavioral economist and developer of the Money Anxiety Index, describes how the gauge has spiked and what banks can do about it.

Fraudsters are attempting to intercept stimulus checks, set up bogus charities and defraud applicants for unemployment benefits. Mike Litt, consumer campaign director of U.S. Public Interest Research Group, discusses what can be done to stop them.

Kyum Kim, co-founder of online professional network Blind, describes the impact of the coronavirus pandemic's enforced quarantine on people who work in financial services.

Chris Skinner, the author of "Doing Digital," defends banks' response to the coronavirus crisis and discusses why he thinks the tech giants won't be able to take market share away from traditional financial institutions.

Ben Soccorsy, head of digital payments in Wells Fargo's virtual channels group, explains how the bank's 15 data-sharing agreements with fintechs and aggregators and tools like Control Tower give customers visibility into and control over their financial information.

Sherrod Brown, the top Democrat on the Senate Banking Committee, explains why consumer protection is so important as the coronavirus pandemic ravages the economy.

Simmons Bank in Arkansas, like many banks dealing with the coronavirus outbreak, has seen traffic soar on its digital channels as branches close. A look at what Alex Carriles is doing to navigate the crisis.