PayThink

Banks need to be cautious about negotiating pre-merger Community Benefit Agreements with nationwide activist groups. The deals carry real reputational hazard.

Technology that was seen as best-in-class 10 years ago is practically table stakes for banks today and does not differentiate one bank from another. Branches do.

Artificial intelligence now has the potential to fundamentally change customers' relationships with banks, impacting everything from onboarding to retention and upselling.

After months of forecasting and bracing for a recession in 2023, the economy seems increasingly durable. But it depends on what you're looking for.

More than half of all cross-border payment fees are concealed in exchange rate markups that few consumers understand.

Most borrowers cannot understand the information that TILA requires lenders to provide, raising questions about their utility in consumer protection.

Community bankers already have decades of experience managing concentration risks and responding to extreme weather events and natural disasters in their communities.

The Federal Reserve Bank of San Francisco's advances to Silvergate Bank, which catered to the cryptocurrency industry, aren't as worrying as the context — the Federal Home Loan Bank System is a systemically critical node of liquidity in the banking system.

Interacting with ChatGPT is like hanging out with the best-informed, brainiest acquaintance you've ever had. Surprisingly, it's that characteristic that makes it a boon to the banking industry.

Regulators must not choke off lending at a time when banks are well positioned to help ease the blow of an economic downturn.