BankThink

It’s possible the G-SIB surcharge, an additional capital charge on large banks, contributed to market volatility at the end of last year, argues Sen. Thom Tillis.

Wells says it's made progress but needs to do more to rebuild trust with customers and regulators; despite rate hikes by the Fed, big banks continue to effectively pay nothing in interest to savings customers.

Payment companies and businesses that want to leverage blockchain need to properly connect the decentralized platform they use to existing databases and back-end systems, writes IIya Pupko, chief architect at Jitterbit.

Given the competitive nature of the current marketplace and the low probability that interchange rates will actually go up, issuers and processors need to continually evaluate their infrastructure, writes Steve Gilde, director of global product marketing for Paragon Application Systems.

Big data and artificial intelligence will allow banks to do more for small businesses, former SBA head Karen Mills argues.

The Trump administration will offer a framework and get Congressional input on housing finance; some online banks offer more than 2% interest on deposits.

Fraudsters have evolved their strategies to focus on other flavors of fraud, and its actually encouraging to see retailers are still treating payment fraud as a top-of-mind concern as that evolution happens, according to Håkan Nordfjell, senior vice president of digital banking at Gemalto.

There’s no reason for the central bank to prohibit nonbank financial firms from entering the payments system as long as appropriate rules are put in place to protect against risk.

Despite complaints about the slow pace of change within government, policymakers, including agency heads, are increasingly focused on modernizing regulation, an important step forward for the industry.

Last year’s Dodd-Frank rollback facilitated the Chemical-TCF deal; the Fed is holding a conference this summer to discuss possible changes to the tests.