PayThink

Smaller banks are often not taking the extra step beyond traditional functions such as online bill pay, writes Alberto Hernandez, COO for the U.S. region at Valid.

While there’s been dramatic innovation in the banking sector in recent years, regulators and startups can better collaborate around these developments.

Many kiosk manufacturers focus on cost and manufacturing efficiencies, placing little to no emphasis on experience architecture — where the physical meets the digital in design and engagement, writes Scott Reese, chief technology officer at Harbor Retail.

The responsibility falls on employers to facilitate a payroll function that helps their workers access funds efficiently regardless of whether an employee chooses or is forced to forgo traditional banking, writes Brian Radin, president of Comdata's prepaid and payroll card business.

While some of the biggest institutions are already rapidly developing new technologies, it’s important that community banks also tap the power of artificial intelligence and machine learning.

Better analytical tools could help banks spot and address potential issues before a customer goes delinquent.

Data protection strategies need to consider how data travels and how that impacts vulnerabilities and breach risk, according to comforte AG's Jonathan Deveaux.

In a state where laws are unusually favorable to high-cost business lenders, taxi drivers are not the only small-business people getting trapped in loans they can't afford to pay back. The question is, what are policymakers going to do about it?

Regulators have taken a number of steps to implement last year’s reforms to Dodd-Frank, but there are several important items left on the to-do list.

It's admirable that the National Credit Union Administration wants to make opening a de novo easier but organizers will still face challenges in raising the necessary funds to launch a new credit union.