BankThink

When I am ready to commit to paying many thousands of dollars financing a home, a car or my kid’s education, I will offer my business first to those institutions that helped me – a 'high-transaction, low-balance customer' – get there.

JPM, Wells Kick Off Earnings Season; More Individual Libor Charges

There are five major changes in Basel's latest guidelines that significantly impact its leverage ratio’s denominator, potentially leaving banks significantly undercapitalized in the event of an unexpected loss and endangering our economy.

Instead of trying to blame the Target breach on card companies and drag unrelated issues into the discussion, merchants should work with the payments industry to find solutions.

No matter how streamlined my finances have become, there is one regular nuisance: sending money to and from family or friends without the friction that requires recipients to provide hard-to-remember information like account numbers and routing numbers.

We've Lost All of Our Leverage Ratio

We’re asking customers from different demographics to describe what they are looking for from their financial services providers.

Every financial institution offers similar products and services as well as similar educational programs.

A recap of the informed opinions (and the discussions they generated) on BankThink this week.

Lenders can take advantage of a concept the CFPB missed: compensating factors. Strong credit histories, substantial down payments, stable jobs and documented incomes can offset high debt-to-income ratios, for example.