PayThink

Targeting a 100% gpi ratio for Swift payments among banks will be crucial to enlarging the global reach of payments, writes Marc Recker, global head of institutional market management and cash management for Deutsche Bank.

FHFA Director Mark Calabria should ensure the government-sponsored enterprises hold at least 4% of total assets as part of housing finance reform.

Some technology upgrade can leave databases open to the public internet, creating more risk for payment credential exposure and other risks, contends Ameya Talwalkar, co-founder and chief product officer of Cequence Security.

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.

Apps need to give customers confidence in ease of use, speed, aesthetics, credibility and user experience, as well as the ability to receive tailored communications through favored channels from their financial institution of choice, writes James Brown, CEO of Smart Communications.

In the era of big data, a more thorough, data-centric approach is needed for security than the traditional encryption of the past, argues comforte AG's Jonathan Deveaux.

The credit union regulator’s proposal to raise the appraisal threshold for nonresidential real estate loans won’t harm the economy or consumers, contrary to critics’ claims.

The private sector will be able to provide more efficient and innovative technologies for the industry.

BB&T’s chief executive has not prioritized meeting with local leaders and consumer advocates to discuss its merger plans, missing a valuable opportunity to create a new kind of large bank.

Improvements in digital receipts should be enough to spur greater adoption, argues Mike Golebiowski, president of IBT.