BankThink

The Fed's real-time payments system won't be up and running for years, but consumers and businesses demand faster payments today.

The bank is likely to tout asset management at its upcoming investor day; credit union assets have exceeded banks' growth in the past decade.

Stephen Ranzini, CEO of University Bank, says The Clearing House's RTP and Early Warning's Zelle handle enrollment, encryption and authentication insecurely.

Technology development speed has improved for challenger banks, but there are safety challenges from JavaScript, says Jscrambler's Rui Ribeiro.

New tech like APIs and artificial intelligence will help consumers manage all their finances through an app, rather than just transfer funds.

Given their price, higher interest rates and appeal to a specific consumer segment, recreational vehicle loans could be a significant growth segment for some credit unions.

The bank will continue to hold cash in sweep accounts until 2031, although at a lower rate; capital requirements could lead big banks to hold off lending.

A sector not known for its innovation or willingness to change is actually a shining example when it comes to creating hubs of engaging content, says On24's Mark Bornstein.

The documentation tied to disputes can be complex, but it's necessary to mitigate dispute resolutions during busy shopping periods, says PactSafe's Eric Prugh.

Bank regulators are considering a bypass to the 2015 court ruling governing loan sales that would ultimately offer more credit options to entrepreneurs.