BankThink

Not only do rules imposed under the Dodd-Frank Act threaten regional banks' lending capabilities, they could actually wind up increasing risk to the financial system.

Waiting for the Fed's Rate Reveal; Bitpay Hacked for $1.8M

The two-sided retail payment network ecosystem is undergoing a tectonic shift. Distinctions between e-commerce, mobile commerce and payments at the physical point of sale are starting to blur, and a range of digital wallet platforms are changing the way that customers make purchases and payments. It may therefore be time for interchange 2.0.

When people talk about the issues that now imperil community banks, they focus on things like low net interest margins and excessive regulations. But it's a dearth of young talent that could wind up dooming small banks.

Small installment loans with monthly payments limited to 5% of a borrower's income offer a way for banks to serve low-income customers' credit needs while turning a profit.

Banks Team Up on Blockchain; Ex-Spies in Cybersecurity

The majority of merchants we talk to have little to no knowledge of what EMV is or why it is becoming mandatory for all businesses.

Apple Pay, Google Wallet and other platforms have the potential to change consumers' payments habits. If retail payment networks want to keep their brands visible, they might need to consider giving these platforms a slice of the interchange pie.

Criminal charges don't scare big banks anymore. Perhaps the Justice Department's fresh commitment to threatening top executives with prosecution will keep them in line.

Preserving Wall Street Chats; Who's Afraid of the DOJ?