Month: October 2025

AIFinance

Banking Sector’s AI Expansion From Operations to Credit Decisions Demands Oversight

Artificial intelligence is transforming banking operations from customer service to balance sheet management. Financial institutions report efficiency gains but face new oversight challenges as AI-driven underwriting expands.

AI’s Strategic Shift in Banking Operations

Major U.S. financial institutions are increasingly embedding artificial intelligence into core banking functions, moving beyond back-office automation to influence credit decisions and risk assessment, according to recent earnings reports. While executives highlight efficiency gains, analysts suggest the transition requires careful governance as AI begins impacting balance sheet management.

by Aaron Vale
FintechPolicy

Regulatory Gaps in GENIUS Act Could Enable Bitcoin-Backed Stablecoins, Analysts Warn

The newly passed GENIUS Act contains several regulatory gaps that could permit Bitcoin-backed stablecoins despite their inherent volatility, according to Federal Reserve analysis. Experts suggest the legislation’s broad definitions and fragmented oversight structure may create conditions reminiscent of past financial crises.

Potential Loopholes in Stablecoin Legislation

As regulators begin implementing the recently passed GENIUS Act, analysts are identifying several potential loopholes that could undermine the legislation’s intended safeguards for the stablecoin market. According to reports, the statutory framework currently contains gaps that might permit volatile assets like Bitcoin to serve as reserve backing for supposedly stable digital currencies.

by Elijah Porter
BusinessPolicy

UK Competition Authority Challenges Getty-Shutterstock Merger Over Market Dominance Concerns

The proposed £245 million merger between Getty Images and Shutterstock faces regulatory hurdles as the UK Competition and Markets Authority warns of substantial competition concerns. Both companies must now propose remedies within one week to address issues identified in the Phase 1 investigation or face a more intensive Phase 2 review.

Regulatory Scrutiny Intensifies

The proposed merger between visual content giants Getty Images and Shutterstock has encountered significant regulatory obstacles, according to reports from the United Kingdom‘s competition watchdog. The Competition and Markets Authority (CMA) has determined that the combination poses a “major risk to competition” in editorial content supply both within the UK and globally.

by Elijah Porter