PayThink

Proposals to modernize the Community Reinvestment Act should be geared toward making concrete improvements, not upending parts of the law that are already working.

There are emerging payment innovations and strategies, such as card controls and online payment technology and analysis, that can help banks and other financial institutions connect with small businesses, writes Erik De Kroon, CEO and co-founder of Yordex.

If credit unions hope to capture America's largest potential consumer base, they're going to have to do a better job of explaining their value proposition.

Transaction fraud, attacks, compliance and political uncertainty are a toxic mix, argues Ian Stone, CEO of Veualta.

The state should overhaul its Department of Business Oversight, but proposals to create a statewide financial protection bureau miss the mark.

The growing sophistication of artificial intelligence is making fraud detection faster and more accurate, which opens up new possibilities for new products and services because of consumer confidence in secure payments, writes Margaret Reid, senior vice president of North America Risk for Visa.

Apple is addressing consumer demands and pain points head-on, with the overall goal of making consumers’ lives easier, argues Jeff Bender, vice president of digital solutions for Diebold Nixdorf.

Online banking and self-service options for customers free branch workers to focus on business development. Employees will need to step up to the challenge or they'll be left out.

By using one anonymous, streamlined platform, it is easy to conduct B2B commerce anywhere while keeping transactions digital, allowing both parties to connect without leading to fragmentation within the market, writes Derek Wall, founder, CEO and CTO of HUBX.

There are important considerations for financial institutions to bear in mind as they build relationships with the likes of Apple and Google.