BankThink

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.

Elon Musk's original X.com was an internet bank that became part of PayPal. Musk wants to bring X back to its banking roots, but the market may have moved on.

As we recognize National Disability Independence Day, it is a moral and ethical obligation to ensure that financial institutions remove barriers that hinder the financial independence of individuals with disabilities.

With the introduction of FedNow, the Federal Reserve is out of good reasons not to mandate that banks process payments by the fastest means available.

Evidence from the implementation of the 2009 CARD Act shows that warnings about higher interest rates and other unintended consequences don't square with reality.