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Beyond the initial coin offerings — a fundraising process, similar to an IPO, in which blockchain companies sell crypto tokens instead of shares — and myriad science projects, is there anything substantive occurring with blockchain?

Evidence that the credit characteristics of online installment borrowers at the time of repayment are consistently worse than at the time of borrowing should be a sobering thought for lenders that have not been fully tested in a credit downturn.

Credit unions based in California, Michigan, Illinois and South Carolina have rejoined the CUSO’s fold.

More than six years after Bank Transfer Day, credit unions are still finding ways to capitalize on consumer sentiment against traditional banks.

The private-equity firm Cerberus Capital Management has taken a 3% stake in Deutsche Bank four months after buying a 5% stake in another German lender, Commerzbank.

Departing chairman Martin Gruenberg says the financial system is still vulnerable to unforeseen shocks; bank offers ways for customers to avoid overdraft fees.

The information you need to start your day, from PaymentsSource and around the Web. Today: People track others' spending habits on Venmo; Square Cash tests bitcoin support; Android Pay's world gets larger; N26 adds Apple Pay support; Placer adds a buy button.

Fintech startup Payrailz is positioning itself firmly in the "invisible" payments market that's taking shape in the e-commerce and mobile app business. Only in Payrailz's case, it's making a direct appeal to smaller banks that may have the greatest need to update their tech.

One of the risks of omnichannel shopping is showrooming, where consumers browse products in person at a store but purchase online from a rival at a better price. This problem has existed for years in the brick-and-mortar world, and the maturation of digital shopping has caused showrooming to spread to more retailers.

There's talk of a bubble, but cryptocurrency creates value in different ways, so traditional market analysis doesn’t work, writes Mariam Nishanian, a representative for Dentacoin.