PayThink

Whether they process cards, bank accounts, cash, or whatever comes next, digital payment systems must be reliable, flexible and ever-advancing, writes Michael Kaplan, chief revenue officer at PayNearMe.

The agency’s effort is a good first step to updating brokered deposit rules, but regulators excluded several important considerations in their advance notice of proposed rulemaking.

When a cryptocurrency exchange is unregulated, you need to investigate its security practices yourself, writes Phillips Nizer LLP's Patrick Burke.

The administration is sending conflicting signals on whether it has a plan to overhaul the housing finance system, further complicating an already complex debate.

Crooks are using techniques that move quickly, making AI a good bet when searching through many layers of transaction data, according to Jie Wu, a director at GoodData.

The agency’s proposed changes to its standard for small-dollar loans will help ensure underbanked consumers still have access to credit. Concerns about predatory lending are overstated.

With real-time payments advancing, processors need to shore up security, according to David Worthington, vice president of payments at Rambus.

Unauthorized exposure of any type of customer data, for any period of time, is a serious issue, writes Carl Wright, chief commercial officer of AttackIQ.

The Small Business Administration should consider partnering with fintechs, which have the capacity to approve loans quickly, to help avoid the kind of application backlog the agency faced after the last government shutdown.

While payments firms must navigate political and regulatory waters, consumers and merchants are best served by a competitive free market free of politics, with minimalist regulators playing the role of the night watchman, writes Eric Grover, a principal at Intrepid Ventures.