PayThink

Banks are not likely to see their regulatory capital requirements decline any time soon. But the way capital levels are calculated could be made more reflective of real risks.

Leaving credit unions exempt from the Community Reinvestment Act preserves a gaping hole in regulations designed to make sure that financial services firms make loans available in underserved communities across the country.

Embracing the integration of TradFi and DeFi through tokenization is not just a trend — it is a necessity as we reshape the financial industry to drive growth and resilience in an increasingly complex world.

The revised edition of the Basel III endgame capital rules has been stuck in limbo at the Federal Deposit Insurance Corp. board of directors. The issue there seems to be about the process of reproposal — but the process dictates the substance of the rule.

If you want your constructive criticism to land the right way with younger employees, it's important that they see it as evidence of your belief that they have a future in your bank.

The next administration should bring in new, tech-savvy leaders at bank regulatory agencies and give them the ability to rethink oversight in a way that reflects the technological innovations transforming the banking industry.

Banks' compliance teams have often been the source of innovative technologies with applications far beyond financial services. That is likely to hold true with artificial intelligence-related compliance solutions.

With two excellent real-time payments rails now available in the U.S., enabling QR code transactions is essential. The financial services industry needs to come together and establish uniform standards.

Government, private companies and civil society must continue pushing the kinds of partnerships that put mobile financial technology into the hands of marginalized people around the world.

A large and growing part of the American workforce, Latinos are also the fastest-growing segment of the housing market. A few smart moves by Congress could help them achieve the American Dream while turbocharging the economy.