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Open banking opens doors for credit unions

first_img continue reading » The future of banking is in open banking—the democratization of financial services through technology. The term “open banking” may seem lofty, but it simply allows retailers, credit unions, and members to easily and safely share financial information across a network of platforms. For instance, you might want to connect savings, checking, and investment accounts into a personal financial management tool.Or, if you prefer to get more technical, the definition from Investopedia reads, “Open banking is a system that provides a user with a network of financial institutions’ data through the use of application programming interfaces (APIs). The Open Banking Standard defines how financial data should be created, shared, and accessed.” An API is a set of rules regarding how various systems interact, allowing multiple systems to communicate with each other. It defines the requirements for authentication and data sharing. Developers essentially build applications and services around the financial institution.How do these APIs enable open banking and simplify processes? They allow financial institutions and service providers to connect to each other more easily to perform functions that once required transfer of physical documents to complete. A real-world example of this is direct deposit. Money is transferred electronically from an employer’s bank account to the employees’ credit union, and then into the individual accounts. This service was reserved for large banks not long ago, but is now nearly universally available. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

NHL trade deadline 2020: Joe Thornton, Tyson Barrie among notable players not moved

first_imgTRADE GRADES: Athanasiou | PageauChris Kreider, New York RangersOne of them was Kreider, considered the top player in the trade market. Reports indicated the New York Rangers would move the 28-year-old left winger if unable to re-sign him; however, hours before the deadline, the two sides agreed to a seven-year. $45.5-million extension.Joe Thornton, San Jose SharksThornton recently admitted being tempted by the idea of accepting a trade to a Stanley Cup contender with the Boston Bruins, Dallas Stars and Tampa Bay Lightning among those said to be interested in the 40-year-old star. NBC Sports’ Brian Witt reported Sharks general manager Doug Wilson confirmed Thornton was willing to explore trade options but a deal never transpired. On Tuesday, Thornton expressed his disappointment over not getting moved to a Cup contender but acknowledged the difficulty the Sharks faced finding a suitable return.   TRADE DEADLINE: Tracker | Best, worst dealsMatt Dumba and Zach Parise, Minnesota WildDumba and fellow Jonas Brodin were seen as options for clubs seeking blueliners signed beyond this season. The Athletic’s Michael Russo reported GM Bill Guerin received calls on both players, but no one was interested in giving up a center for either guy.Guerin was also busy trying to pull off a complicated trade that would’ve sent winger Zach Parise to the New York Islanders. That deal fell through before the deadline, but the Pioneer Press’ Dane Mizutani notes the Wild GM isn’t ruling out revisiting those trade discussions in the off-season.MORE: Trade deadline winners, losers and the TBDTyson Barrie, Toronto Maple LeafsBarrie also surfaced as a trade candidate in the week leading up to the deadline. TSN’s Bob McKenzie reported the Leafs sought a first-round pick and a prospect for the 27-year-old rearguard..@TSNBobMcKenzie provides some insight on what the Leafs might do with Tyson Barrie.#TradeCentre pic.twitter.com/mzoHZPDEkV— TSN (@TSN_Sports) February 24, 2020That asking price proved too rich for interested suitors, leaving Barrie facing an uncertain future in Toronto; he’s an unrestricted free agent on July 1. Leafs GM Kyle Dubas isn’t ruling out re-signing Barrie, but it won’t be easy because of his club’s limited salary-cap space.MORE: Dubas doesn’t mince words at presserMike Hoffman, Florida PanthersThe Panthers search for a top-four defenseman saw Hoffman popping up in media trade chatter. That talk faded as the deadline approached and the focus shifted toward center Vincent Trocheck, who was shipped to the Carolina Hurricanes for forwards Erik Haula and Lucas Wallmark and two prospects. KOURNIANOS: Analyzing top players, prospects and picks that were movedJosh Anderson, Columbus Blue JacketsAnderson was the frequent subject of recent trade conjecture. The 25-year-old power forward will become a restricted free agent with arbitration rights this summer.The possibility of a difficult negotiation with the Jackets was the basis behind the growing trade rumors. However, he’s been sidelined for weeks with a shoulder injury that’s taken longer than expected to heal, sending his trade value plummeting. The 2020 NHL trade deadline saw 32 deals take place involving 55 players. Among the names sent packing were Jean-Gabriel Pageau joining the New York Islanders, Robin Lehner heading to the Vegas Golden Knights and Patrick Marleau becoming a member of the Pittsburgh Penguins.They were among several players considered to be prime trade bait leading up to deadline day. However, a handful of notables who frequently surfaced in this season’s rumor mill stayed put when the 3 p.m. ET deadline rolled around on Monday. last_img read more