BankThink

EMV 3DS is no longer just for payments. The use cases for identification and verification (ID&V) are expanding, so the scope of EMV 3DS has become much broader to include adding cards to a digital wallet, open banking services and financial services apps, etc., writes Jean Fang, product manager at Fime.

Many CUs feel they can't compete with banks' technology offerings, but the right strategies and investments can help institutions of all sizes stand out in a crowded marketplace.

There are clear actions that regulators at the CFPB, SEC and FHFA can take to help attract investors into the housing market, argues former FHFA Director Ed DeMarco.

Visa, Mastercard and PayPal are each putting up $10 million to back the cryptocurrency; company “gearing up” to reboot its flagging small business lending unit.

Distributed ledgers are already revolutionizing international transactions and trade finance. The added stability will bring about even greater adoption, argues Neutral's Matt Branton.

To make a credit card top of wallet and build interchange income, credit unions must develop trust, provide great service and ensure the card works every time.

The 8-BIN migration will be here sooner than many financial institutions believe. Fortunately, even for those institutions that haven’t started planning for the migration, there is enough time to limit confusion, lost revenue and customer churn, writes Member Access Processing's Carol Logan.

Despite renewed calls from Democrats looking to USPS to offer banking services, policymakers should instead consider reforms that would permit private-sector firms like Walmart and Amazon to offer a wider array of financial products.

Lenders should get a boost from refinances and purchase loans; BB&T and SunTrust Banks’ name choice questioned.

New project models and the cloud can serve as an alternative to payment and financial services technology strategies that benefit larger banks more than small institutions, argues Vinay Prabhakar, vice president of product at Volante.