PayThink

Smaller enterprises don't have the resources of larger firms, but open source technology may be helpful, says Pimcore's Shashin Shah.

It's long past time for the National Credit Union Administration to implement a risk-based capital standard, and the recently approved delay could hurt more than it helps.

The OCC and FDIC have moved in the right direction by proposing reforms to the Community Reinvestment Act. Now it’s time for the Federal Reserve to join.

The age of PINs and passwords are sadly not yet gone, but new devices and digital services will need more advanced authentication, says Fingerprints' Maria Philstrom.

While the road to API connectivity has not been smooth, solid progress is being made in connecting banks to third parties, says Token's Todd Clyde.

Whether data leaks come from internal mistakes and exposures or from direct hacking, the outcome is the same. Data is exposed and cybercriminals are using it for fraud today, next year or several years from now, says NuData's Rosemary O'Neill.

If the intention is for FedNow to give the market a choice, particularly to smaller, local banks then interoperability between the TCH and FedNow is a must, says FIS' Elena Whisler.

Comptroller of the Currency Joseph Otting explains why his agency and the Federal Deposit Insurance Corp. have moved forward with a proposal to change the 42-year-old CRA.

Testing shows an overreliance on machine learning data can unfairly harm credit scores.

In order to overcome this digital payment inertia we need to design solutions that allow buyers and suppliers to focus on a more critical aspect of the transaction experience—the sale itself, says Billtrust's Nick Babinsky.