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American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

Independent sales organizations and independent software vendors are equally threatened by disruption, making an alliance a logical — if uneasy — step for both groups.

In e-commerce, merchants strive to achieve a 100% checkout conversion rate but find it elusive because shoppers encounter many obstacles during the payment process.

IBM and UnionPay, China’s transfer, settlement and clearing network, have created a client-focused business platform on which banks can integrate and share reward points programs.

CapStar Financial Holdings in Nashville, Tenn., expects to raise net proceeds of $16.6 million in an initial public offering that it plans to spend on growth and other initiatives — perhaps including M&A.

An independent chairman could uncover or minimize damage from fraud while also meting out punishment more impartially after the fact. The longtime corporate governance argument has new legs in light of the account scam at Wells Fargo, whose board is led by CEO John Stumpf.

WASHINGTON — Federal regulators are not moving fast enough on fintech, prompting Rep. Patrick McHenry to introduce a bill designed to give them a push.

Banks are dumping their mortgage servicing rights because low rates and new rules make it hard to earn a profit. SunTrust, Flagstar and First South Bancorp in North Carolina are taking the opposite view.

We haven't heard from Carrie Tolstedt yet, but she has been in the spotlight all week, as seemingly everyone wants an explanation from Wells Fargo. JPMorgan Chase puts even more focus on digital channels, and Politico has a piece on the opportunities fintech offers women, especially female bankers, with a caveat. Also, the B of A bros' club suit has been settled.

A mix of lawmakers, regulators and industry stakeholders discussed reforming Dodd-Frank and other hot topics at the National Association of Federal Credit Union’s conference on Capitol Hill.