First US Bank has appointed Warren Giardina as its new Birmingham Market Executive to expand its presence in central Alabama. Giardina, a Birmingham native with 26 years of commercial lending experience, previously held leadership roles at PNC Bank, Colony Bank, and Southern States Bank. The appointment aligns with the bank's mission to provide exceptional service in the region.

The article discusses the shift from traditional credit cards to debit cards as a new form of credit, emphasizing the rise of BNPL (Buy Now, Pay Later) services that offer flexible payment options. It highlights how consumers are increasingly using alternative payment methods for everyday purchases, with debit cards reimagined as credit-lite alternatives. The piece also explores the growing role of companies like Affirm, Klarna, and Walmart in this transformation, as well as the challenges faced by traditional credit card issuers.

FTI Consulting, a Washington, DC-based consulting firm, has hired Christopher Allen as senior managing director in its financial services practice. Allen, with 30+ years of experience in financial services, joins from Deloitte Consulting and previously held VP roles at MasterCard, JPMorgan Chase, and US Bank. He will advise banks, fintechs, and payment intermediaries on modernizing operations and technology. FTI Consulting, with 8,100 employees in 33 countries, provides forensic and litigation consulting services.

FTI Consulting appointed Christopher Allen as Senior Managing Director in its financial services practice, focusing on payments strategy and technology modernization. Allen brings over 30 years of experience in banking, fintech, and advisory roles, with prior positions at MasterCard, JPMorgan Chase, and US Bank. The appointment reflects FTI's expansion of its financial services expertise.

FTI Consulting has appointed Christopher Allen as Senior Managing Director in its Financial Services practice, focusing on helping banks and fintechs modernize payment systems. Allen, with over 30 years of experience, brings expertise from MasterCard, JPMorgan Chase, and US Bank. The appointment highlights FTI's expansion in financial services consulting, alongside recent hires in the Forensic and Litigation Consulting segment.