PayThink

Policymakers must avoid reforms to the Community Reinvestment Act that would reopen the door to the predatory lending practices that contributed to the mortgage meltdown.

Allowing third-party access to bank data will open up the opportunity for far wider data aggregation than previously possible, writes Huw Davies, CCO of Token.

Antivirus solutions, firewalls, secure web gateways and URL filtering cannot reliably detect cryptominer code and have proved ineffective at preventing it from auto-executing within endpoint browsers, writes Carolyn Crandall, chief deception officer at Attivo Networks.

A proposal to ease the leverage ratio for the country’s largest institutions raises questions about whether safety and soundness remain the top priority for the banking agencies.

Blockchain technology can make it easier to validate a patient's HSA information, for example — helping speed along the process despite the traditional data validation hurdle they may face otherwise in this situation, writes Bruce Silcoff, CEO of Shyft Network.

The banking agencies should expand the use of regulatory sandboxes to keep pace with international counterparts.

To remain competitive, retailers must always have one eye on the future. Mobile wallets offer a strategic platform for retailers to harness and promote emerging payment models, writes Julian Wallis, retail director at Rambus.

The Senate Banking Committee's latest hearing offers some clues.

The payment landscape is still very fragmented with local solutions holding their own against global giants and new technologies such as AI and blockchain keeping the payments market very enterprising, writes Eva Murphy Ryan, trade development executive for financial services and technology at Enterprise Ireland New York.

A growing number of the top lawyers at major financial institutions are women. What’s it going to take to get other departments to follow suit?