“Must Reads” for 5 February

Today’s “Must reads” in banking, fintech, payments, cybersecurity and risk management include:

• It's Time for Banking Providers to Stop Faking Digital
• Capital One fined $390M for ‘egregious’ AML compliance failures
• Why a dawn of technological optimism is breaking
• Need a Hypothesis? This A.I. has one
• Digital currencies and the future of the monetary system
• Working from home: Asynchronous schedules could be the new way to work