PayThink

An initiative in Baltimore to use blockchain tech to track and manage vacant properties is a prime example of how blockchain can help solve stubborn problems, even if it isn't ready to revolutionize the fundamentals of commerce.

The CFPB's plan to block medical debt from appearing on credit reports will have damaging unintended consequences, limiting consumer access to both credit and health care.

Banks need to mount an aggressive legal response to the onslaught of intrusive new rules being promulgated by their prudential regulators.

The use of digital wallets to finance the Hamas attack on Israel highlights the need for tighter controls on the transfer of cryptocurrencies.

Banks have a simple choice: Either invest in fraud controls to prepare for FedNow, or expect draconian supervisory measures that will increase friction and confuse customers.

When you centralize a blockchain, you lose much of its inherent value. Acting Comptroller Michael Hsu's support for centralized tokenization betrays a misunderstanding of the value of decentralization.

A new law will make Colorado a much more difficult place for cash-strapped citizens to get credit. Other states should avoid following in its footsteps.

Before a spot bitcoin ETF is approved, we're going to need to see much more clarity about how applicants draw the line between custody and trading.

Making it easier for consumers to switch between competing banks will increase competition, resulting in major benefits for account holders.

Understanding how a new generation of employees learn and retain information is key to a successful talent development program.