PayThink

Today, if you own Apple stock, you can't send a few shares to your nephew on his birthday, you can't swap them for Google stock and you can't use them as collateral for a loan. Tokenization will change that.

A former member of Congress and current bank chairman calls on lawmakers to pass several reforms that would allow banks to take back market share that has been lost to nonbank competitors.

Bankers who view the FDIC as their insurance cooperative protecting them rather than a corporation protecting depositors have proposed unwarranted $10 and $20 million FDIC deposit insurance limits. There is a better solution to their concern over big bank competitive advantages.

Crypto is slowly but surely being integrated into the banking applications consumers trust and use every day. It's not the crypto revolution purists imagined, but it's very good news for consumers and bankers alike.

Existing law already provides the tools that would allow an across-the-board upgrade in digital identity verification, with benefits to banks and consumers alike. Regulators are the roadblock.

Policymakers must avoid looking at community banks as institutions of the past that no longer have a place or function in our financial system and stop prioritizing large banks and technology companies.

Noelle Acheson looks at what the outsourcing of stablecoin issuance means for the GENIUS Act, and for our understanding of money.

A proposal to reduce the enhanced supplementary leverage ratio, implemented in the wake of the global financial crisis, risks bringing back the same sort of risky behavior that cratered markets in 2008.

The financial services industry is relying on outdated methods of detecting and fighting fraud. With the assistance of artificial intelligence, criminals are penetrating vulnerable systems. It's time for collective action.

Bankruptcies at First Brands and Tricolor should be a wake-up call for banks exposed to the private credit market. Banks should treat indirect lending to shadow banks as a high-risk activity that demands active oversight.