"The success of any approach that entails building out an agent network can be tricky — humans are much harder to manage than technology."

Red Gillen, at Celent, applauding Obopay's new international approach, but cautioning that the nonbank agents the payments company works with may prove to be the most challenging part of the strategy's deployment. TUESDAY
"When you start comparing the corporate problem to Fannie and Freddie, you're in the same league."

Mike Moebs, of Moebs Research, noting that credit unions stumbled into the same mortgage-backed securities trap as the government-sponsored enterprises. WEDNESDAY
"You can do it indirectly through the Deposit Insurance Fund or you can do it directly and call it a tax, but you've heard the old analogy: If it walks like a duck and quacks like a duck, it's probably a duck."

James Barth, of Auburn University and the Milken Institute, equating the proposed hike in deposit insurance to the previous idea of a tax on big banks to pay for the regulatory reform of the financial industry. THURSDAY
" If you cause the problem, you should pay to fix it. … In the case of the oil spill, they're going after BP. They're not going after the little gas station on the corner who sells Gulf Oil."

Gerald Howard Lipkin, of Valley National Bank, offering a metaphor for Congress' shift to a higher Federal Depsoit Insurance Corp.reserve ratio to pay for financial reform. The move affects 69 banks with $10 billion to $50 billion in assets that a proposed bank tax wouldn't have captured. FRIDAY
"There's something to be said for serving on the board of a local banking institution. Some prestige, if you will."

Aaron James Deer, at Sandler O'Neill, saying one reason there has been less consolidation than anticipated among Korean-American banks is because community bank boards still prefer to remain independent.

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