Tags: Regulation
![Banking app displaying "request" or "pay" buttons.](https://s3.us-east-2.amazonaws.com/files.fisher.osu.edu/blog_riskinstitute/public/styles/blog_featured_image/public/2023-12/tech-daily-V06dt37iQFY-unsplash.jpg?VersionId=PdT92t3EqRrtQdxvqBpYRC6G9Ro676jy&h=b569d817&itok=4xvbAvSL)
Online banks are known for offering significantly better rates on deposits than traditional banks. New research from the Risk Institute's Isil Erel and her colleagues, examines how changes in federal fund rates impact the actions of online banks.
![Hand hovers over ChatGPT icon on phone screen](https://s3.us-east-2.amazonaws.com/files.fisher.osu.edu/blog_riskinstitute/public/styles/blog_featured_image/public/2023-10/mojahid-mottakin-P3oBttW6Wt4-unsplash.jpg?VersionId=vNFYYsxePunyyT1E6wFkVgk6JIB.oJAr&h=7ebcca6e&itok=MzjKdhzH)
What does the future of AI look like? No one knows. Insights and information from The Risk Institute shows just how difficult it is to regulate such powerful tools — and how some countries and organizations are trying.
![A robotic arm and human hand extended toward one another with fingertips touching](https://s3.us-east-2.amazonaws.com/files.fisher.osu.edu/blog_riskinstitute/public/styles/blog_featured_image/public/2023-05/pexels-cottonbro-studio-6153354_0.jpg?VersionId=ptunUol4gsak6lnlRG8pWd10W62yJIf6&h=08e67910&itok=maJGHBq6)
A wise uncle once said to his nephew in a movie, “with great power comes great responsibility.” This adage has never been more true as it pertains to the emergence and popularity of AI. However, organizations are starting to reflect on and question who ultimately bears this responsibility from an enterprise risk management perspective.
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The sudden collapse of Silicon Valley Bank (SVB) once again highlights the importance of effective risk management.