PayThink

Banks can help encourage customers to save more by restructuring their accounts.

Phishing is the likely culprit behind the recent Saks and Lord & Taylor breaches. Stronger email protection required to combat the threat, according to Matthew Vernhout, 250ok's director of privacy.

Though the regulatory relief law easing the Dodd-Frank Act does little to help the biggest banks, it is still fueling progressive Democrats' anger at Wall Street. That will matter when Democrats eventually retake power.

It's too late for Congress to overturn the consumer bureau's regulation on short-term lending, but acting Director Mick Mulvaney will have plenty of chances to reshape it.

New European Union privacy rules could serve as a guide for U.S. banks.

Avoiding repeating past mistakes will not be enough. Visa, Mastercard, Amex and Discover need to bring some added value that could trump PayPal’s already end-user-friendly solutions, writes Adriana iordan, vice president of product management for 2Checkout.

A recent wave of high-premium acquisitions, paired with sweeping regulatory reform, is setting the stage for more large-scale M&A.

A borderless, interoperable global payments system makes it harder for vendors to charge high prices while forcing more innovation, writes Normand Provost, liaison chair of Nexo.

The Justice Department announced this month that it would seek to reduce duplicative penalties against banks, although more reforms are needed to rein in other agencies.

As alternative apps and fintechs make progress on mobile payments and digital finance, banks will need to turn to third parties and partnerships to stay relevant, writes Paul Wilmore, chief marketing officer of Barclays U.S. consumer business.