BankThink

Zelle seemed like banks' catch-up attempt, but it may prove to be a true innovation.

Investors should ask questions about the market necessity of the coin, which economic model underpins it, and how transparent the company is being about its progress to date, writes Shidan Gouran, president and COO of Global Blockchain Technologies Corp.

Evidence that the credit characteristics of online installment borrowers at the time of repayment are consistently worse than at the time of borrowing should be a sobering thought for lenders that have not been fully tested in a credit downturn.

Departing chairman Martin Gruenberg says the financial system is still vulnerable to unforeseen shocks; bank offers ways for customers to avoid overdraft fees.

There's talk of a bubble, but cryptocurrency creates value in different ways, so traditional market analysis doesn’t work, writes Mariam Nishanian, a representative for Dentacoin.

The most popular P-to-P schemes such as Venmo are still linked to an underlying payment card, meant to benefit “pull” payment incumbents, according to RPGC's Rene Pelegero.

Policymakers have made significant progress in the assigning of regulatory accountability, but more work is necessary.

Bipartisan proposal would remove the SIFI label from more than two dozen banks; European regulator cautions investors on the risks as bitcoin price plunges.

Jerome Powell has been in the public eye for decades. But what he would actually do with the job is unknown. American Banker reporter John Heltman explains.

Transit transactions will increase card use and loyalty, and will generate the same sort of reputational boost London enjoys with Oyster, writes Andrey Tikhonov, director of payment technology for Infinite Peripherals.