BankThink

Regulators and lawmakers are wrong to focus on bank size as a measure of risk. A far better indicator of bank stability is the riskiness of a bank's assets, as well as which of the bank's sources of funding bear that risk.

A credit union's mobile banking program can provide a wealth of intelligence in the form of member data to be analyzed.

Connecting disparate payment platforms is the Holy Grail of cryptocurrencies. The path to building such a system is not always clear, but must start at the core of the protocol.

Moynihan Shuffles B of A's Management Ranks; N.Y. Regulator Queries Banks

A new business may only operate in one market now, but with growth opportunities in markets around the world, it makes sense to think long-term when selecting a Payment Service Provider (PSP).

Nobody enjoys the experience of making a payment — so a growing number of companies are likely to follow Uber's lead and make transactions so easy they're practically invisible. That means banks will have to ramp up their efforts to become customers' default cards.

A growing number of regulators have indicated their support for raising the asset thresholds at which banks face new regulatory requirements. That's welcome news — but time is of the essence in implementing any changes.

Shelby in No Rush to Confirm Fed Nominees; Banks to Pay for New Roads?

Data breaches happen so frequently these days that many consumers have “breach fatigue.” However, the threat does not die when public interest does. Stolen data moves faster than breaches can be detected, heightening the risk for merchants.

Rolling back unnecessarily burdensome and costly regulations is the only way to ensure credit unions’ survival. To that end, lawmakers should pass a bill that would give credit unions relief from annual privacy notice requirements and grant safe harbor qualified-mortgage status for certain loans held in their portfolios.