PayThink

Community bankers keep harping on the illusory issue of "too big to fail." If they're serious about strengthening the economy, they should make more of an effort to unite the industry, not divide it.

As we launch into a new decade, today’s new workforce wants, expects and demands easy-to-use apps in the vein of what they’re used to in their day-to-day lives, says Fyle's Yash Madhusudan.

The Treasury secretary’s recent Senate testimony coming down on cryptocurrencies is misguided. Regulations should require building better blockchain technology at the banks.

Maybe Congress shouldn’t be so quick to change laws without real-world input.

Payment firms and fintechs can use open source and the cloud for a potent innovation combo, says Asset Control's Mark Hermeling.

With prices rising rapidly and loan terms increasing, some institutions may want to consider adding a leasing option to their auto loan portfolio.

The challenge has been aligning the data-sharing ecosystem in a way that simplifies access and enhances consumer control while ensuring a high level of security, says Finicity's Steve Smith.

Wells Fargo remains the TBTF poster child and regulators continue to do too little to address the problem. And as always, small banks suffer collateral damage.

As businesses change strategy and staff deployments quickly, their payment needs and flows will change rapidly, says BHMI's Jack Baldwin.

Fintechs like LendingClub and Varo Money illustrate how the traditional financial system is changing. Banks that don’t rapidly evolve with technology will be obsolete.