BankThink

It's hard to get consumers and merchants to change their behaviors. But eventually the convenience and well-crafted incentives of mobile payments will prompt people to give up the plastic habit.

Millennials are individuals first and millennials second. Demographers and sociologists may like to group consumers, but when bankers market to the average instead of the individual, it's a losing strategy.

Fed Inches Toward Rate Hike; A Woman on the Ten-Spot

The most striking thing about Apple Pay's recent loyalty announcement is that it included no loyalty program for Apple Pay.

2015 is shaping up to be the year that credit unions will start making serious moves to innovate their small business lending practices on par with upstart online lenders and provide the improved customer experience members expect.

Once the government makes the decision to prosecute, it's often to the fullest extent of the law — unless, of course, you head up a megabank.

The FDIC is proposing a complicated and expensive record-keeping requirement to prepare for the unlikely event that it liquidates a large failed institution instead of transferring its deposits to another bank.

Stress-Test Season Kicks Off; Overdrafts Slide

Android Pay's announcement lacked the jaw-dropping excitement of last fall’s Apple Pay release. As you can tell from the name, the Android Pay playbook is remarkably similar to Apple Pay.

Some argue that nonbank mortgage lenders' rising market share poses a risk to the financial system. But this belief arises from an inaccurate understanding of what is in fact a well-regulated sector.