Opinions

Complying with legal and credit bureau criteria for data furnishers is just one of the compelling reasons why a marketplace lender may take a pass on reporting credit data.

Regulators’ focus on having banks and credit unions offer payday loan alternatives to underserved consumers overlooks the success of Web-based companies in filling credit gaps.

Tech giants like Intel and Apple are doing more business with women- and minority- owned underwriters; Christine Lagarde has five more years at the IMF; and why Lehman Sisters might not have failed. Plus, are girls getting a bad rap from dictionaries and bad counsel from parents?

Community banks can't win on size, but their values give them an upper hand in competing against cookie-cutter megabank branches.

In the spirit of a rising tide lifting all boats, we hope Apple figures out ways to add value to the mobile commerce ecosystem, not just be another isolated technology with limited value to merchants and consumers. Because Apple has work to do.

The precedent set in the ongoing battle between Apple and the FBI over custom access to a device in question opens up unsettling risks on privacy and security.

The expected 100% growth in card not present (CNP) fraud by 2018 threatens small and medium businesses as well as enterprises, and companies need to shore up their data and customer analytics now to stem the tide.

Despite banks' attempts to test and use blockchain, the technology that powers bitcoin, for their own commercial gain, it is outside the realm of possibility for the technology to serve any useful purpose for the intermediaries it was designed to replace.

Industry pundits have been predicting the demise of the branch since the dawn of online account access 20 years ago, but digital services haven't replaced branches. They have just increased the contact banks have with their customers. That's won't change anytime soon.

Banks are enthusiastic about innovation that involves both traditional institutions and nonbanks, but a more cohesive regulatory landscape is needed for cooperation between banks and fintech to grow even more.