PayThink

Countries around the world have lots of incentives to build an alternative to the U.S.-centric global payments system using central bank digital currencies. The U.S. must get in the game or see its economic might begin to wane.

The president-elect's history of deregulatory financial services policies could offer some benefits to minority businesses and consumers, but the more likely outcome is reduced access to capital and higher costs.

With transparency, security and reliability embedded at its core, a blockchain is not merely a way to enhance existing systems — it represents a model for what banking should aspire to be.

New tools, new partnerships and a new focus on combating increasingly complex fraud schemes will take center stage in the new year. This could be a turning point in a long-running battle.

Banks can and should play a key role in giving members of minority groups and other underserved communities the tools they need to navigate an increasingly complicated financial landscape.

The U.S. is risking the status of the dollar as the world's reserve currency by delaying the launch of a central bank digital currency. Adopting a "federated" version of a CBDC could answer the concerns of many skeptics.

By naming David Sacks as his "AI & Crypto Czar," Donald Trump has sent a strong signal that forward-thinking regulation of the most vibrant sector of the financial services industry could be on the way.

The integration of artificial intelligence into financial services demands a human-centered approach. This is both a moral obligation and a strategic necessity.

We've seen what can happen when BaaS providers fail to adequately protect consumers. Across the industry, we need to institutionalize the principles of safe banking, both inside and outside of traditional banks.

The populist strain that has long animated the left wing of the Democratic party seems to have migrated to the Republican center, benefiting President-elect Donald Trump in this year's election. We're about to find out whether right-wing populism is as earnest as its left-wing predecessor.