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Expected weaker fundamentals, stock buybacks and higher interest rates all to blame; firms are downsizing as bitcoin prices crash.

Analysts say cooperatives have a chance to lead the way in creating more inclusive workplace cultures, but some institutions may forget to ensure their boards reflect their expanding membership.

From partnering with like-minded organizations to holding town halls, here are experts' suggestions for how credit unions can craft volunteer boards that break the stereotype.

The information you need to start your day, from PaymentsSource and around the Web. Today: Amazon Go finds a spot in the U.K.; PayPal offers blockchain incentives to staff; Apple Pay's set for Germany; JD.com and Intel plan an innovation lab.

Jason Brown explains why his company, Tally, helps consumers by paying their monthly balances, providing advice and offering a lower-rate credit line.

The Bank of England is upgrading the U.K.’s Real-Time Gross Settlement system. Separately, the U.K. payments authority is developing a New Payments Architecture that will upgrade Britain’s Faster Payments real-time retail system.

Mobile banking, e-commerce integration, loyalty and rewards schemes and even IoT payments all link to cards. That’s a lot to ask of a back-end system, writes Rune Sorensen, a product manager at Nets.

Nearly 60% of people thinking about switching banks would be open to banking with a big tech company if they ever get that option. Cash incentives or existing savings accounts are big factors in consumer decisions — and things that banks could keep in mind in their efforts to recruit or retain customers.

Republicans on the House Oversight Committee concluded that last year’s massive data breach at Equifax was fully preventable, but stopped short of recommending new laws aimed at averting future hacks. Democrats called the final report a “missed opportunity.”

The Federal Reserve Board chairman told Sen. Elizabeth Warren in a letter that the central bank is actively reviewing the bank's progress in following a February consent order.