BankThink

A spike in income volatility has some banks working on ways to help people cope, and now the fintech think tank Y Combinator Research is planning to test a possible solution, albiet a controversial one. Have you heard of "universal basic income" yet? You probably will.

As an investment community, we have to realize that any system with 90% homogeneity is vulnerable, while diversity makes the system more resilient.

Regardless of whether Congress could act, proponents don’t seem to fully appreciate the potential unintended consequences of a future without Fannie Mae and Freddie Mac.

The agency’s new classification of “initial coin offerings” is yet another affront to the efforts by fledgling companies to raise funds.

Fifth Third's chief legal officer has emerged as a leading contender to get the nod as the FDIC's next chief; credit card profits under pressure at banks.

Improving accounts receivable can produce predictable cash flow that can be invested, lead to more innovation and increase overall efficiency, writes Flint Lane, CEO of Billtrust.

New entrants don’t pose a disruptive threat to the incumbent cohort of issuers, credit card networks and acquirers primarily because the incumbents — Visa, Mastercard and First Data — are prepared to compete in all segments of the market.

Efforts to repeal a Dodd-Frank mandate for lenders to report data on small-business applicants — including race and ethnicity — overlook the benefits of the provision to both communities of color and banks.

The bank forced hundreds of thousands of auto loan borrowers to take out insurance they didn't need, putting some into delinquency; a Russian man is arrested and charged in $4 billion money laundering scheme.

APIs allow businesses in every market to make payments online, quickly extend their own payment functionality and roll out new features with minimal effort, writes David Yohe, vice president of marketing at BillingTree.