PayThink

Regardless of whether Congress could act, proponents don’t seem to fully appreciate the potential unintended consequences of a future without Fannie Mae and Freddie Mac.

The agency’s new classification of “initial coin offerings” is yet another affront to the efforts by fledgling companies to raise funds.

Improving accounts receivable can produce predictable cash flow that can be invested, lead to more innovation and increase overall efficiency, writes Flint Lane, CEO of Billtrust.

New entrants don’t pose a disruptive threat to the incumbent cohort of issuers, credit card networks and acquirers primarily because the incumbents — Visa, Mastercard and First Data — are prepared to compete in all segments of the market.

Efforts to repeal a Dodd-Frank mandate for lenders to report data on small-business applicants — including race and ethnicity — overlook the benefits of the provision to both communities of color and banks.

APIs allow businesses in every market to make payments online, quickly extend their own payment functionality and roll out new features with minimal effort, writes David Yohe, vice president of marketing at BillingTree.

The New York Times explores why we lack female CEOs, Uber considers Bank of America’s Anne Finucane for its CEO spot, and State Street’s head of corporate governance explains its push for gender diversity on boards. Plus, who needs a hero?

The U.S. population is aging, and one of the well-established components of the American dream — buying and owning a home — appears poised to aid in the baby boomers next phase of life.

Up to now, the most successful fintech firms have tried to fill gaps in underserved market, not replace banks. But a new crop of U.K. startups seeking bank charters is turning up the heat.

It is only a matter of time before bankers and policymakers realize that the concept keeping banks and non-financial entities apart no longer has any underlying support.