BankThink

Large bank holding companies defy both effective management and effective regulation. The solution is to allow shareholders of each company's subsidiary to choose its management and judge its performance.

Push notifications offer banks and credit card issuers a unique way to communicate with a generation that's skeptical of the financial industry but fond of technology and hungry for deals.

Fed to End Bond Buying in October; U.S. Lags in Payments

Successful retailers know that the secret to selling more can be a relatively straightforward formula: Increased traffic equals increased sales. But what about the costs associated with generating that traffic?

Banks can increase the efficiency of their mortgage businesses by requiring loan officers to generate leads from outside referral sources and assigning officers only to branches in markets with high origination potential.

A new report from the Basel Committee says that using public funds to resolve weak banks may be considered in systemic situations. If even capital rule-writers are willing to consider more bailouts, the only way to end "too big to fail" may be to break up the megabanks.

Citi Close to $7B Mortgage Settlement; Swiss Bankers Mimic James Bond

For the financial and retail industries, mobile is becoming a significant part of the strategy for delivering valuable content and services to customers. Two technologies in particular are available on many of today’s smartphones and are being looked at to enhance consumer experience: Near Field Communications (NFC) and Bluetooth low energy (BLE).

Unless we return the Farm Credit System to its original mission, taxpayers could be on the hook for a bailout in the near future and farmers’ access to credit could be reduced, writes Rep. Marlin Stutzman.

The CFPB should prohibit financial institutions from reordering transactions to maximize overdraft fees, require that fees be proportional to a bank’s costs to provide the loan and ban providers of prepaid cards from offering overdraft loans altogether, according to Susan Weinstock of The Pew Charitable Trusts.