BankThink

The plan would increase lending and transparency, the regulators say; the company says the rule unfairly lumps together digital wallets and prepaid cards.

If the intention is for FedNow to give the market a choice, particularly to smaller, local banks then interoperability between the TCH and FedNow is a must, says FIS' Elena Whisler.

Comptroller of the Currency Joseph Otting explains why his agency and the Federal Deposit Insurance Corp. have moved forward with a proposal to change the 42-year-old CRA.

Testing shows an overreliance on machine learning data can unfairly harm credit scores.

In order to overcome this digital payment inertia we need to design solutions that allow buyers and suppliers to focus on a more critical aspect of the transaction experience—the sale itself, says Billtrust's Nick Babinsky.

The bank joins rivals in predicting a better than expected Q4; JPM exec says AI could help create products for savings.

The new decade will see Generation Z become adults, and they will expect more services and activities to be facilitated by their device of choice, says Zoomd's Omri Argaman.

If your current program incurs a high number of false declines; blocks orders from specific countries or entire regions based on fraud; or blocks deliveries to specific countries or regions for fear of fraud, then that fraud prevention strategy is hindering your sales and growth. says ClearSale's Rafael Lourenco.

Traditional rules-based platforms are insufficient to protect real time payments. Using historical patterns can predict some fraud but will not prevent new evolving patterns as they emerge for the first time, says Deep Labs' Michael Lynch.

Making the case for process optimization is a lot harder, however, because the costs are hidden and hard to measure, says Nvoicepay's Kristin Cardinali.