Banks Don’t Need a Rip-and-Replace. They Need a Better Foundation.
Qolo recently joined Fintech Takes Banking for a live conversation with John Withrow, Head of Commercial Card at KeyBank, moderated by Kiah Haslett. The discussion covered why commercial banking infrastructure is having a moment, what banks risk by standing still, and what it actually looks like to modernize without ripping out a working core. Five […]
ACH vs. RTP vs. FedNow: What Banks Need to Know About Multi-Rail Treasury Management
Treasury management used to run on a single rhythm. Payments moved in batches. Settlement lag was expected. Reconciliation happened later. Commercial clients built their workflows around bank cutoff windows because they had no other choice. That operating model is no longer enough. Commercial clients now expect payment flexibility, real-time balance visibility, and confirmation that money […]
How Banks Can Use Virtual Accounts to Segregate Legal Services Funds
Commercial banks think about legal banking primarily as law firm banking. That framing can make it harder to serve, retain, and grow more complex legal-services-related relationships, the exact relationships that virtual account management for banks was built to support. The legal services segment is not a single client type with a single set of needs. […]
Virtual Account Management vs. Traditional Bank Accounts: A Side-By-Side Comparison
Virtual account management is often talked about as if it were one standard capability, even though its functionality can vary significantly. It is not. Treasury clients evaluating account infrastructure are often comparing very different operating models: traditional bank account structures built for manual oversight, and modern virtual account models built for visibility, control, and operational […]
Four Signs Commercial Bankers Should Never Ignore
Virtual account management has become essential for modern commercial banking, even though most clients will never ask for it by name. Instead, they’ll notice its absence when they export transactions into Excel, move payment volume to fintechs, or create manual workarounds outside their bank. What they will do is keep doing what they have always […]
Virtual Account Management for Banks: How It Works and What to Look For
Commercial banks are not losing their best commercial clients to fintechs because fintechs have better relationships. They are losing them because fintechs have better products. The CFO managing treasury for a mid-market company usually does not want to switch banks. The move is disruptive, time-consuming, and risky. What they want is simpler: the same real-time […]
The BaaS Collapse Was a Ledger Story
The coverage of the BaaS middleware failures of 2024 landed mostly in the compliance and fraud columns. Regulators acted. Programs were unwound. Platforms scrambled for new banking partners. The narrative that stuck was one of oversight failures and bad actors. That narrative is not wrong. It is incomplete. When Synapse Financial Technologies filed for bankruptcy […]
The Spreadsheet Is the Symptom
Somewhere in your commercial banking portfolio, a treasury team is running a report, exporting the results to a spreadsheet, and building the real-time cash visibility tool your bank never gave them. You know this is happening. Your relationship managers have seen it. Some have even helped clients set it up. The instinct is to treat […]
The CFPB Blinked on 1033. Open Banking Isn’t Waiting.
April 1, 2026 marked a compliance milestone that almost no one is celebrating. Under CFPB Rule 1033, the largest U.S. data providers, those with $250 billion or more in assets, technically entered their first compliance window this week. They were supposed to arrive here with standardized APIs in place, giving consumers and businesses a regulated […]
5 Things Fintech Meetup 2026 Told Us About the Future of Payments Infrastructure
The energy at the 2026 Fintech Meetup was different. Not the polished optimism of a conference looking for a narrative, but something more grounded. The conversations at Mandalay Bay carried the weight of institutions that have finished deliberating and are ready to move. Capital is returning. Technology has matured. And the question that dominated three […]