PayThink

By design, any practice that requires a customer to simply hand over online bank credentials to a third party is a terrible idea.

States must recognize how their patchwork of different regimes stifles innovation, but they also have an opportunity to help maintain U.S. competitiveness in the global fintech marketplace.

Neglecting to appoint a full-time director could shortchange efforts to improve the bureau’s transparency and undertake other needed reforms.

Targeting customers and linking mobile marketing to in-store sales is a challenge for retailers, but mobile payments can make a difference, writes Marissa Tarleton, chief marketing officer for RetailMeNot.

A perfect risk-based capital ratio obviously is preferable to an admittedly imperfect leverage ratio. The problem is there is no perfect risk-based measure.

The existing state laws create a gray area for bitcoin-related businesses, according to Rob Viglione of ZenCash and Scott Nelson of Sweetbridge.

Natural disasters like Hurricane Harvey reveal banks’ ability to lend a hand to communities in need, and to keep employees engaged and motivated for the initiatives that matter most.

Phishing crooks are like security analysts with more weapons, creating a danger for payment and other companies, writes William MacArthur, threat researcher for RiskIQ.

In a deregulatory environment, a rule that better enables consumers to bring class actions could lead to an explosion of litigation, which will affect product availability and pricing.

States must recognize how their patchwork of different regimes stifles innovation, but they also have an opportunity to help maintain U.S. competitiveness in the global fintech marketplace.