PayThink

Rather than deleting the Consumer Financial Protection Bureau, now is the time for the president and Congress to reform and reboot it into the agency that carries out its mission in an apolitical manner.

The new age of AI-enabled agents and increasing connectivity will not reward financial institutions focused on the last wave of innovation. Latin American institutions must embrace new technology.

U.S. banks should look to Sweden, where the identity verification measures put in place by banks also give users access to both government and private-sector platforms.

Noelle Acheson outlines the key blockchain innovations for payment programmability, and highlights their advantages and their risks.

Proposed cuts to the Treasury's Office of Financial Research would deprive the government of vital insight into the financial markets at a time when the sector is experiencing major disruptions.

The groundwork for a system of international payments that bypasses the sclerotic SWIFT network has been created. Now the banking industry needs to get behind the switch to blockchain-based payments.

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.