Tootfinder

One of the things promised for the next phase of Open Banking in the UK was an open API for managing subscription payments from banks (something like Direct Debits, or "commercial variable recurring payments (cVRP)" in their terminology). As in: one day you'd have one-click set-up for subscriptions, and manage them all via banking/finance apps.
As an outsider it's hard to determine the current status, but apparently this might be in beta by the end of the year?
…

Open finance - Open Banking
As open banking evolves into open finance and smart data, we explore the potential benefits, cost savings and economic growth it can deliver.

Ukrainian cyber operatives disrupt Russian banking payment system, intelligence source says: https://benborges.xyz/2025/09/25/ukrainian-cyber-operatives-disrupt-russian.html

Sources: Visa shut down its open-banking business in the US amid regulatory uncertainty; the unit provided tools to help fintechs access customer-account data (Paige Smith/Bloomberg)
https://www.bloomberg.com/news/articles/2025-…

The first thing I see when I log into YouTube temporarily on an incognito tab isn’t freedom, it’s ads for Disney and honestly, that’s not marketing… that’s fascism in high heels! 🤢
SecureBlue comes with Trivalent as the default browser with a weak adblocker, and I use FreeTube, but I keep this Google account around just to download banking apps on my secondary GrapheneOS profile.
#Fascism

WolBanking77: Wolof Banking Speech Intent Classification Dataset
Abdou Karim Kandji, Fr\'ed\'eric Precioso, Cheikh Ba, Samba Ndiaye, Augustin Ndione
https://arxiv.org/abs/2509.19271

Spatio-Temporal Directed Graph Learning for Account Takeover Fraud Detection
Mohsen Nayebi Kerdabadi, William Andrew Byron, Xin Sun, Amirfarrokh Iranitalab
https://arxiv.org/abs/2509.20339

Spatio-Temporal Directed Graph Learning for Account Takeover Fraud Detection
Account Takeover (ATO) fraud poses a significant challenge in consumer banking, requiring high recall under strict latency while minimizing friction for legitimate users. Production systems typically rely on tabular gradient-boosted decision trees (e.g., XGBoost) that score sessions independently, overlooking the relational and temporal structure of online activity that characterizes coordinated attacks and "fraud rings." We introduce ATLAS (Account Takeover Learning Across Spatio-Temporal Dire…

Banking 2.0: The Stablecoin Banking Revolution -- How Digital Assets Are Reshaping Global Finance
Kevin McNamara, Rhea Pritham Marpu
https://arxiv.org/abs/2508.11395 https://

Banking 2.0: The Stablecoin Banking Revolution -- How Digital Assets Are Reshaping Global Finance
The global financial system stands at an inflection point. Stablecoins represent the most significant evolution in banking since the abandonment of the gold standard, positioned to enable "Banking 2.0" by seamlessly integrating cryptocurrency innovation with traditional finance infrastructure. This transformation rivals artificial intelligence as the next major disruptor in the financial sector. Modern fiat currencies derive value entirely from institutional trust rather than physical backing, …

If this doesn't convince you people to ditch ALL AMERICAN SERVICES ecosystem, what will?
https://mstdn.social/@GottaLaff/115248992415556991

Filing: Shanghai-based self-driving company Banma aims to spin off from Alibaba via a Hong Kong IPO, reducing Alibaba's stake from the current 44.72% to 30% (Aileen Chuang/South China Morning Post)
https://www.scmp.com/business/ban…

Alibaba to spin off Banma self-driving business via Hong Kong IPO
Alibaba’s stake in Banma will drop to 30 per cent from the current 44.72 per cent after the IPO, the tech behemoth says.

Dismantling Mafia connections triggers a surge in bank credit to legitimate businesses, lifts local output, and raises productivity – although it comes with a modest uptick in borrowing costs, research shows.
https://cepr.org/voxeu/columns/fightin…

Federal banking rules create conundrum for homeless who can't get accounts | santafenewmexican.com https://www.santafenewmexican.com/news/local_news…

"HSBC becomes first UK bank to quit industry’s net zero alliance"
https://www.theguardian.com/business/2025/jul/11/hsbc-leaves-net-zero-banking-alliance-climate-crisis
-> Now's a good time to leave

Don't miss this one! @… has outdone himself.
#Epstein
https://

Ramble On: That's Where The (Epstein) Money Is
Morning thoughts on Epstein, Trump, banks, banking, financial scandals, and following the money

😰 Hackers Behind $140M Brazil Banking Heist Turn to Crypto to Launder Their Loot
https://www.coindesk.com/business/2025/07/04/hackers-behind-usd140m-brazil-banking-heist-turn-to-crypto-to-launder-their-loot

Hackers in $140M Brazil C&M Software Banking Heist Launder Funds With Crypto
ZachXBT estimates that between $30 million and $40 million has been swapped to crypto through OTC desks and exchanges.

Sen. Wyden pushes Treasury Department release Epstein banking files to finance committee - ABC News
https://abcnews.go.com/Politics/sen-wyden-pushes-treasury-department-release-epstein-banking/story?id=125220013

https://www.crikey.com.au/2025/07/17/clive-palmer-united-australia-party-trumpet-of-patriots-data-breach-documents/
I don’t know enough about Australian politics but it sounds like the country’s version of the MAG…

Clive Palmer’s political parties suffer data breach affecting ‘all emails … documents and records’
Identical statements from both parties say a ransomware attack has obtained ‘email address, phone number, identity records, banking records, employment history, documents (including those provided subject to confidentiality arrangements)'.

Funding advantage and market discipline in the Canadian banking sector
Mehdi Beyhaghi, Chris D'Souza, Gordon S. Roberts
https://arxiv.org/abs/2507.12620

Funding advantage and market discipline in the Canadian banking sector
We employ a comprehensive data set and a variety of methods to provide evidence on the magnitude of large banks' funding advantage in Canada in addition to the extent to which market discipline exists across different securities issued by the Canadian banks. The banking sector in Canada provides a unique setting in which to examine market discipline along with the prospects of proposed reforms because Canada has no history of government bailouts, and an implicit government guarantee has been in…

PSA #Tangerine now supports proper passwords, in case you didn't like your whole banking being protected by 6 digits
#banking

Das ist übrigens eine echte Mail der DKB 😒

Anatsa mobile malware returns to victimize North American bank customers https://therecord.media/anatsa-android-banking-malware-returns-north-america

From ⁨⁨⁨⁨⁨#AnnafromUkraine⁩⁩⁩⁩⁩ @AnnafromUkraine@youtube.com
BANKING COLLAPSE IN RUSSIA: MASS CASH WITHDRAWALS CONTINUE Vlog 1170: War in #Ukraine
#Medvedev announces that

In an interview, Brian Armstrong says Coinbase plans to become a financial super app that integrates its crypto offering with traditional banking services (CoinDesk)
https://www.coindesk.com/markets/2025/09/20…

Coinbase News: Armstrong Outlines Vision for Firm to Evolve Into a Financial Super App
Brian Armstrong shared with Fox Business how Coinbase is navigating U.S. crypto regulation while laying out his vision to make the platform the primary account for everyday finance.

Warren Buffet’s observation that
“we only know who is bathing naked when the tide goes out”
is a restatement of Galbraith’s argument that bad corporate and banking structures in 1929 only looked obvious with hindsight.
This was demonstrated again in 2008. Today the banking system is far stronger, but stricter regulation has meant that risks have gravitated to non-banks.
The Shiller cyclically-adjusted Price/Earnings ratio for US stocks is currently twice its historical…

History lessons from “The Great Crash”? | Lowy Institute
Optimists always get more airplay than spoilsports predicting an end to the good times. But hindsight tells all.

Crosslisted article(s) found for cs.CG. https://arxiv.org/list/cs.CG/new
[1/1]:
- Topological Data Analysis for Unsupervised Anomaly Detection and Customer Segmentation on Banking...
Leonardo Aldo Alejandro Barberi, Linda Maria De Cave

Can the NFL overcome Trump’s anti-Canada rhetoric? The Bills are banking on it https://www.nytimes.com/athletic/6479455/2025/07/09/nfl-trump-buffalo-bills-canada/

I've got a new article on loans made by an Indigenous (Wendat) family to their settler neighbors in the 19th c. Among other things, it looks at credit in the countryside, Indigenous interactions with banking and capitalism, Catholicism and usury, and notarial archives (they're the best).
Paywalled, but I know a guy.
"The Vincent-Picard Family’s Investments: Wendat Wealth and Notarized Contracts in the Mid-Nineteenth Century"

Addressing Deepfake Issue in Selfie banking through camera based authentication
Subhrojyoti Mukherjee, Manoranjan Mohanty
https://arxiv.org/abs/2508.19714 https://

Addressing Deepfake Issue in Selfie banking through camera based authentication
Fake images in selfie banking are increasingly becoming a threat. Previously, it was just Photoshop, but now deep learning technologies enable us to create highly realistic fake identities, which fraudsters exploit to bypass biometric systems such as facial recognition in online banking. This paper explores the use of an already established forensic recognition system, previously used for picture camera localization, in deepfake detection.

Yes, I use #Monero, almost daily!
But today, I decided to spin up a fresh wallet, feel free to support me, or spoil me a bit for my birthday this Friday, August, 22.
84PZaY3aMkVWKr8164cj5mEA7y3JsSwezbc1uSiSiZRkeqCLYWbi6GgSxoY8GyEa6r9kwPk583JR2PpxPHmqZpCgE7g4CyK
Unlike the hype coins, surveillance “crypto,” scams, government-controlled money, Monero is built on real privacy, r…

The only reason I haven't switched to GrapheneOS already is that getting the physical codes to reactivate all my banking apps is a fucking nightmare, and I am fond of having access to money.
Time was you could just authenticate a device without having to get postal mail...

The US holiday is a memory now, so time to check out today's Metacurity to get briefed on the most critical infosec developments you should know, including
--Italian cops arrest FBI-wanted Chinese hacker who tried to steal COVID-19 vaccine
--Brazilian cops bust IT worker connected to $100m banking systems hack,
--Call of Duty: WWII yanked offline after RCE rumors,
--OpenAI beefs up corporate spying protections,
--DragonForce battles RansomHub,
--Cambod…

Italian cops arrest FBI-wanted Chinese hacker who tried to steal the COVID-19 vaccine
Brazilian cops bust IT worker connected to $100m banking systems hack, Call of Duty: WWII yanked offline after RCE rumors, OpenAI beefs up corporate spying protections, DragonForce battles RansomHub, Cambodia accuses Thai hackers of attacks, Trump's tax bill contains cyber money, much more

i gotta hand it to them, if there's any group of users here slightly more suseptible to the types of scams tech literate people see through immediately, it's pixelfed users

What options do I have for phones with good cameras that do not throw money down a fascist mega company's throat but still have good support for open ROMs and banking apps? I'm afraid the answer is none, but happy to hear any suggestions.
#Android #GrapheneOS

Russian economy faces mounting challenges amid rising military spending and banking instability: https://benborges.xyz/2025/06/30/russian-economy-faces-mounting-challenges.html

Darauf muss man achten - So gibt man Dieben beim E-Banking keine Chance #News #Nachrichten

Crosslisted article(s) found for econ.GN. https://arxiv.org/list/econ.GN/new
[1/1]:
- Banking 2.0: The Stablecoin Banking Revolution -- How Digital Assets Are Reshaping Global Finance
Kevin McNamara, Rhea Pritham Marpu

74% nutzen das #Smartphone statt Wecker, 65% statt Kamera, und 43% haben das Festnetztelefon ad acta gelegt. Das Gerät übernimmt immer mehr Funktionen – vom Navi bis zum Online-Banking und Auto-Schlüssel. Doch wie viel Kontrolle gibt man dabei wirklich ab? Eine Bitkom-Umfrage zeigt, wie sehr das Smartphone mittlerweile alles ersetzt.

Wecker, Kamera, Navi – was das Smartphone heute alles ersetzt | Presseinformation | Bitkom e. V.
Presseinformation Smartphone übernimmt eine steigende Zahl an Alltagsaufgaben. Jeder und jede Zwanzigste verwendet das Gerät sogar als Autoschlüssel.

Formal verification for robo-advisors: Irrelevant for subjective end-user trust, yet decisive for investment behavior?
Alina Tausch, Magdalena Wischnewski, Mustafa Yalciner, Daniel Neider
https://arxiv.org/abs/2509.08540

Formal verification for robo-advisors: Irrelevant for subjective end-user trust, yet decisive for investment behavior?
This online-vignette study investigates the impact of certification and verification as measures for quality assurance of AI on trust and use of a robo-advisor. Confronting 520 participants with an imaginary situation where they were using an online banking service to invest their inherited money, we formed 4 experimental groups. EG1 achieved no further information of their robo-advisor, while EG2 was informed that their robo-advisor was certified by a reliable agency for unbiased processes, an…

Potential Customer Lifetime Value in Financial Institutions: The Usage Of Open Banking Data to Improve CLV Estimation
Jo\~ao B. G. de Brito, Rodrigo Heldt, Cleo S. Silveira, Matthias Bogaert, Guilherme B. Bucco, Fernando B. Luce, Jo\~ao L. Becker, Filipe J. Zabala, Michel J. Anzanello
https://arxiv.org/abs/2506.22711

Potential Customer Lifetime Value in Financial Institutions: The Usage Of Open Banking Data to Improve CLV Estimation
Financial institutions increasingly adopt customer-centric strategies to enhance profitability and build long-term relationships. While Customer Lifetime Value (CLV) is a core metric, its calculations often rely solely on single-entity data, missing insights from customer activities across multiple firms. This study introduces the Potential Customer Lifetime Value (PCLV) framework, leveraging Open Banking (OB) data to estimate customer value comprehensively. We predict retention probability and…

In his new investigative series "Military AI Watch", award-winning science reporter Peter Byrne explores
“how Silicon Valley, corporate media, the Department of Defense, the banking industry, and scientific institutions all intersect in the effort to militarize AI.”
https://thereal…

Trump and Silicon Valley’s plan to rule the world with AI weapons
“We're talking about millions of devices all over the world that are supposedly sending information into some kind of centralized point in the military-industrial apparatus from which they can control everything,” Peter Byrne of Project Censored tells us. “That is their plan.”

4-Swap: Achieving Grief-Free and Bribery-Safe Atomic Swaps Using Four Transactions
Kirti Singh (Indian Institute of Technology Bombay, India, Institute for Development and Research in Banking Technology, Hyderabad, India), Vinay J. Ribeiro (Indian Institute of Technology Bombay, India), Susmita Mandal (Institute for Development and Research in Banking Technology, Hyderabad, India)

4-Swap: Achieving Grief-Free and Bribery-Safe Atomic Swaps Using Four Transactions
Cross-chain asset exchange is crucial for blockchain interoperability. Existing solutions rely on trusted third parties and risk asset loss, or use decentralized alternatives like atomic swaps, which suffer from grief attacks. Griefing occurs when a party prematurely exits, locking the counterparty's assets until a timelock expires. Hedged Atomic Swaps mitigate griefing by introducing a penalty premium; however, they increase the number of transactions from four (as in Tier Nolan's swap) to six…

Klarna, which is planning a potential NY IPO as soon as September, is focusing on its banking push to boost revenue while shedding its image as a BNPL phenom (Aisha S Gani/Bloomberg)
https://www.bloomberg.com/news/articles/2025-08-11/klarna-r…

Klarna Revives Its IPO, But This Time as a Bank
As the payments giant prepares an IPO, it’s trying to persuade millions of consumers to use its debit cards.

> "Stripe, one of the processors that pressured Itch, say they themselves were acting under restrictions imposed by unnamed banking partners."
Unnamed banking partners control what is acceptable speech. Which makes them unaccountable in both a political and economic sense.
It's one of the things that crypto-currency fans aren't wrong about.

Valve point to Mastercard restrictions as the payment firm deny influencing adult game removals
Mastercard say they're not to blame for Steam's NSFW game cull, but Valve claim that payment processors cited specific Mastercard rules as a pressuring tactic.

Spectral Masking and Interpolation Attack (SMIA): A Black-box Adversarial Attack against Voice Authentication and Anti-Spoofing Systems
Kamel Kamel, Hridoy Sankar Dutta, Keshav Sood, Sunil Aryal
https://arxiv.org/abs/2509.07677

Spectral Masking and Interpolation Attack (SMIA): A Black-box Adversarial Attack against Voice Authentication and Anti-Spoofing Systems
Voice Authentication Systems (VAS) use unique vocal characteristics for verification. They are increasingly integrated into high-security sectors such as banking and healthcare. Despite their improvements using deep learning, they face severe vulnerabilities from sophisticated threats like deepfakes and adversarial attacks. The emergence of realistic voice cloning complicates detection, as systems struggle to distinguish authentic from synthetic audio. While anti-spoofing countermeasures (CMs) …

Was Google da wieder vorhat, lässt mich noch mehr über ein neues Smartphone mit #eOS nachdenken.
@… wie ist es mit eurer GLS-Banking-App, funktioniert die unter /e/OS?

So I am testing #murena on #samsung galaxy s20 my ID Austria app refuses to install. Maybe because of unlocked boot loader ? Would it be the same as on an stock #murena phone? Other apps like banking w…

Cowboys need this $50 million weapon to sharpen from dull 2024 performance https://cowboyswire.usatoday.com/story/sports/nfl/cowboys/2025/09/03/rebound-required-cowboys-jake-ferguson-offensive-playmak…

Arch Manning and the NFL Draft: Why no one's banking (or tanking) on Texas QB going pro in 2026 https://www.nytimes.com/athletic/6575330/2025/08/26/arch-manning-nfl-draft-scouts-texas-football/

Ich weiß ja nicht wie es Euch dabei geht, aber ich habe auf meinem Smartphone keine Banking App. Ich mache Online Einkäufe ausschließlich zuhause am PC. Schließlich kann das Smartphone verloren gehen, geklaut werden, usw. z. B. Schlimmeres.
Gerne würde ich Paypal durch Wero ersetzen, aber wenn das ausschließlich auf dem Smartphone läuft, habe ich da gar keinen Bock drauf.
Und Ihr so?

Ripple has applied for a national banking license, which would place Ripple's dollar-backed stablecoin, RLUSD, under the US OCC's regulatory remit (Vicky Ge Huang/Wall Street Journal)
https://www.wsj.com/finance/regulation/rip

"HSBC becomes first UK bank to quit industry’s net zero alliance"
#UK #UnitedKingdom #HSBC #Banks

Digital banking group NOBA plans to list on Nasdaq Stockholm in Q3 2025, in a deal expected to value the company at around $3.74B (Reuters)
https://www.reuters.com/business/finance/digital-bank-noba-plans-sweden-ipo-valuing-firm…

DRAssist: Dispute Resolution Assistance using Large Language Models
Sachin Pawar, Manoj Apte, Girish K. Palshikar, Basit Ali, Nitin Ramrakhiyani
https://arxiv.org/abs/2509.01962

DRAssist: Dispute Resolution Assistance using Large Language Models
Disputes between two parties occur in almost all domains such as taxation, insurance, banking, healthcare, etc. The disputes are generally resolved in a specific forum (e.g., consumer court) where facts are presented, points of disagreement are discussed, arguments as well as specific demands of the parties are heard, and finally a human judge resolves the dispute by often favouring one of the two parties. In this paper, we explore the use of large language models (LLMs) as assistants for the h…

#Canadian lawyer Eva Chipiuk, who represented Tamara Lich, one of the #CanadianFreedomConvoy organizers is #debanked by #RBC for…

Freedom Convoy lawyer dropped as a bank customer after cryptocurrency transactions. Could you be debanked?
Five per cent of the complaints the Ombudsman for Banking Services and Investments receives each year are linked to debanking. Find out more

From ⁨⁨⁨⁨⁨#AnnafromUkraine⁩⁩⁩⁩⁩ @AnnafromUkraine@youtube.com
🧵 👇
BANKING COLLAPSE IN RUSSIA: NO CASH, #ATM RESTRICTIONS Vlog 1086: War in #Ukraine
The

Researchers: the Anatsa banking trojan snuck into Google Play once again via an app disguised as a PDF viewer, which had 50K downloads before Google removed it (Bill Toulas/BleepingComputer)
https://www.bleepingcomputer.com/news/secu

Strengths, weaknesses and wildcards at Cowboys OT position in 2025 https://cowboyswire.usatoday.com/story/sports/nfl/cowboys/2025/06/26/cowboys-tackles-strengths-weaknesses-wildcards-2025/84359117007/

On-the-job learning in fields like law and banking faces a dual threat as hybrid work limits juniors' exposure to seniors and gen AI replaces key routine tasks (Emma Jacobs/Financial Times)
https://www.ft.com/content/071089b8-839a-4f96-af79-394c08a146d1

Former first-round draft picks who could become stars in 2025: Anthony Richardson, Quentin Johnston headline

https://www.cbssports.com/nfl/news/former-

The Interaction Between Domestic Monetary Policy and Macroprudential Policy in Israel
Jonathan Benchimol, Inon Gamrasni, Michael Kahn, Sigal Ribon, Yossi Saadon, Noam Ben-Ze'ev, Asaf Segal, Yitzchak Shizgal
https://arxiv.org/abs/2508.07082

The Interaction Between Domestic Monetary Policy and Macroprudential Policy in Israel
The global financial crisis (GFC) triggered the use of macroprudential policies imposed on the banking sector. Using bank-level panel data for Israel for the period 2004-2019, we find that domestic macroprudential measures changed the composition of bank credit growth but did not affect the total credit growth rate. Specifically, we show that macroprudential measures targeted at the housing sector moderated housing credit growth but tended to increase business credit growth. We also find that a…

"UBS quits Net Zero Banking Alliance amid broader ESG pullback"
#Banks #Finance #Money #NetZero

Sources: Revolut considers buying a US bank to get an American banking license to expand lending capabilities, a faster route than applying for its own permit (Financial Times)
https://www.ft.com/content/38aa4eb9-7f94-4efa-b42d-14a210953973

Sources: Bank of England governor blocked a meeting arranged by UK Chancellor between regulators and Revolut to discuss Revolut's full banking authorization (Financial Times)
https://www.ft.com/content/6677d91a-ee1f-483b-b09d-5aada80f43cc

Sources: JPMorgan Chase is in advanced talks to take over Apple's credit-card program from Goldman Sachs, with Apple telling JPMorgan it is its preferred choice (AnnaMaria Andriotis/Wall Street Journal)
https://www.

"Barclays becomes latest firm to exit Net-Zero Banking Alliance"
#Barclays #Finance #Money #NetZero