BankThink

India's Unified Payments Interface has been an extraordinary success. The Fed should take careful note of how the system came to dominate the Indian economy.

Generative artificial intelligence could make it possible for borrowers to understand how their behavior reflects their creditworthiness, and create better outcomes for everyone.

Critics of the Federal Home Loan banks fundamentally misunderstand the purpose and necessity of the system.

In 18 states, consumers are not allowed to use trained debt resolution professionals to seek relief from their creditors. That needs to change.

The Federal Reserve's much-awaited Basel III proposal would raise capital significantly for the largest banks, a move that neither the international agreement nor the moment requires. Somehow that square is going to get circled.

The decision to allow lenders to review only two credit reports for mortgage applicants will harm homebuyers with less than perfect credit.

U.S. financial institutions should look to the U.K. for tips on fighting real-time payments fraud.

Business cards provide a tactile experience that digital forms of communication do not replicate. They offer a tangible reminder of a discussion, which can be far more memorable.

Fintechs created earned wage access so cash-strapped employees could get an advance on their next paycheck to cover urgent expenses. Some say repeat usage of fee-based EWA resembles a payday loan, sparking debate over whether regulators should call EWA a loan.

Artificial intelligence and machine learning are already revolutionizing some elements of the business, but a human ability to "read between the lines" will always be needed.