BankThink

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.

The Consumer Financial Protection Bureau won't require payday lenders to assess borrowers’ ability to repay. American Banker reporter Kate Berry explains why.

Instead of investing in contactless cards, financial institutions should focus on moving their offerings to mobile — into apps that can do more than money management, argues Mehmet Sezgin, CEO and founder of myGini.

There are concerns that artificial intelligence could erase jobs across financial firms, but it will actually benefit employees by cutting rote tasks, giving them time to focus on more fulfilling work.

While biometrics may not reduce payment friction, it does add another layer of consumer protection without producing a substantially adverse effect on convenience, according to Tom Saunders, customer data insights analyst at The ai Corporation (ai).

Business lending at the 10 largest regionals got a boost from turmoil in the securities markets; hedge funds stand to gain if conservatorship ends.

Blockchain reclaims proof of trust and allows users to reassign the data management role to a decentralized network guided by autonomous and immutable code, writes IIya Pupko, chief architect at Jitterbit.

The problem with bug bounties is that while it can complement vulnerability management programs, it does not offer the comprehensive coverage an enterprise requires, contends Mark Weiner, CMO of Balbix.

Proposals that would have financial firms monitor or refuse to finance certain firearms purchases are misguided, putting the onus on unelected corporations.