Opinions

The U.S. might be ahead of the rest of the world in some areas of security, but when it comes to protecting against credit card fraud, we’re way behind.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including how postal banking could help low-income people in the U.S. and the continuing debate over interchange fees.

Now a buzzword for disruptive technologies, Fintech was the name of a research project initiated by Citicorp in the 1990s, when the Citigroup predecessor was trying to shed its image of being "out of touch with market preferences."

The profound disruption that has led to the rise of challengers like Apple, PayPal and Square can ultimately drive innovation across the financial services industry.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including banks' subpar shareholder value and how big-data advocates can better communicate with critics who worry about the technology's potential discriminatory effects.

Studies are showing that companies predominantly led by women perform better than those led by men; worldwide trends are showing a continuing uptick in the number of women on boards, but they still account for less than 20% of directors.

EMV is being touted as the dawn of a new era in credit card fraud prevention. However, there are doubts it will make a significant difference.

Apple Pay, Google Wallet and other platforms have the potential to change consumers' payments habits. If retail payment networks want to keep their brands visible, they might need to consider giving these platforms a slice of the interchange pie.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including banks' subpar shareholder value and how big-data advocates can better communicate with critics who worry about the technology's potential discriminatory effects.

Supporters of big data tend to be at loggerheads with people who are concerned about fair lending issues. In order to have a productive conversation, both sides need to distinguish between the goals of the lender and the goals of the general public.