PayThink

APIs need to be designed with features such as defenses, proper authentication, batching, and throttling in mind, says Shape Security's Jarrod Overson.

A more practical approach for U.S. regulators on whether to bring fintechs into the banking fold might be "better the devil you know than the devil you don’t."

Once signed up, customers expect a smooth enrollment and onboarding experience, too, regardless of the channel, says Intelledox's Neal Keene.

New data analytics could help provide more comfort to banks in doing business with the cannabis industry, despite restrictive federal laws.

The CFPB has promised an equal-access rule for small-business lending for nearly a decade. But Apple’s recent discrimination inquiry into its credit card could force the agency’s hand.

New fintechs, particularly those that handle data, will falter without transparency and information stewardship, says AvidXchange's Steve Boehm.

It is important to understand how bias may be found naturally in your own existing customer base, and how this may affect your inferences, since these naturally need checks and balances to avoid sampling bias, argues Callsign's Stuart Dobbie.

Several proposals in Congress requiring clear disclosures on student loans could help lower defaults.

The complexity of solutions leaves a space for outside competitors to gain share, says Token's Todd Clyde.

The National Credit Union Administration's public budget briefings are a step in the right direction, but the institutions it regulates still have too little say over how those monies are spent.