PayThink

Federal Housing Finance Agency Director Bill Pulte should direct the agency to examine credit scoring models based on cash flow as a complement to existing systems.

The continued investment in branches is a continued investment in bankers. A well-trained, motivated banker turns a physical location into a relationship hub.

Regulators should be paying more attention to the ballooning galaxy of nonbank financial institutions currently operating in global markets. The risks they pose to the financial system are not well understood.

A huge percentage of Americans, particularly Gen Z and millennials, score poorly on financial literacy tests, with predictable consequences. AI-powered agents would help empower them.

Noelle Acheson unpacks the differences between stablecoins and tokenized deposits, and what they mean for both

Markets are increasingly moving toward 24/7 functionality through the use of blockchain technology. Companies that don't adapt will be left in the dust.

Countries around the world are retreating from the economic integration that drove growth in the post-Cold War era. The result will be an unnecessary hindrance of progress.

We could be on the cusp of serious economic instability. Smart bankers should take the time to do a deep dive into the risk profile of their customers, and identify potential trouble spots.

To reverse the trend in payments fraud, regulators and the private sector must work together to expand how we define verification. It must be a dynamic, intelligence-driven process embedded at every point of the payment journey.