New research from American Banker reveals that while the 50 largest U.S. banks often discuss stablecoins, cryptocurrencies, and other distributed ledger technology, actual usage remains modest. Major names like JPMorgan Chase, Citi, and BNY Mellon are involved, yet many banks still appear to be testing the waters.

This first-of-its-kind ranking spotlights the most influential women in banking who are under 40. Presented in a strict order, it highlights the depth and performance of rising leaders destined to shape the industry for years to come.