PayThink

After years when it looked like millennials might opt for car-sharing and ride-hailing services over car ownership, recent data tells a different story.

The hype surrounding voice technology, bots and machine learning suggests that artificial intelligence is increasingly common in financial services. But that is not the purist’s view of what AI represents.

Given the spike in online fraud that accompanies the chip card migration, there are a lot of new authentication methods. Most of them still rely on information that's not dymanic and vulnerable.

Both standards are confusing and not universally adopted. But both are a necessary baseline to protect merchants and payment companies.

The allowance by some states for companies to incorporate without disclosing beneficial owner information significantly hampers anti-money-laundering efforts and drives up bank costs.

Negative interest rate policies have not been shown to speed up spending or borrowing. In some cases, countries with such policies have seen their savings rates continuing to climb.

What's considered a 'bad' product for one group of consumers may not be bad for another.

Though statistically women have trouble getting small business loans, Square's granting more than half its loans to women; latest numbers show only one in four bank senior execs are female.

Success stories offer relevant lessons for those charting and executing a strategy, but with the proper perspective, stories of setbacks show bankers where they can and must improve.

Merchants are concerned emerging technology can't keep up with the growing online fraud threat. But there are some steps that can increase security.