BankThink

Apple Pay appears to be missing one key thing: A reason to use it. Most other mobile wallets come with a reward program, but Apple currently isn't going that route.

The New York Times' Neil Irwin says Apple Pay is trying to solve a problem that isn't a problem, but he’s missing the point.

More millennials could become homeowners if banks educate them about private student loan refinancing options and programs that can help them obtain affordable mortgages.

Modest bank asset growth is a reality. That needn't be a bad thing for bank stock prices, but operating strategies that try to fight it might be.

Apple Jumps into Payments; Senate Talks Tough

Most ISOs don’t promote automated clearinghouse (ACH) payments to their merchants. In fact, if you asked a random salesperson in the payments industry to explain what an ACH payment is and how it works, you would most likely get an incorrect answer.

A lack of formal training programs and insufficient financial and career incentives limit the availability of skilled risk managers.

The best way to prevent the repo market from freezing up in a future crisis is to require broker-dealers to use Treasury securities as collateral.

Higher Capital Requirements Coming from Fed; Home Depot Breached

It’s unfortunate that some outlets lump all forms of two-factor authentication factor together as if all two-factor form factors were equal.