PayThink

The bank uses machine learning to customize content in real time on its website for every user, based on their behavior during their session.

Consumers are comfortable with push payments, which makes them a good fit to boost usage of digital wallets and other mobile payment options.

Congressional action is necessary to give financial regulators the tools they need to promote responsible innovation.

As the smartphones become ATM cards, a new set of security risks emerges. Thorough ID protection is necessary to keep no-card ATMs secure.

Monetary policy was intended to act as an accelerant for an economy in recession, and did in fact accomplish that goal early on; however, its benefits have waned, if not reversed, over time.

The marketplace for services to help struggling families balance their short-term and long-term financial needs is improving, but is still insufficient.

Data analysis shows that a 21st-century version of the Depression-era limitations on bank activities will do little to meet the goals laid out by its proponents.

While overbooking is a unique issue for the airline industry — and this may be an extreme example — the United episode is a cautionary tale for any service industry, including banking.

False IDs are complex and difficult to spot. A combination of biometrics and other advanced security tecnology is needed.

Carol Hayles’ departure from CIT leaves us with one less female CEO-CFO team in banking; even Supreme Court justices get manterrupted; a Google doodle celebrates a microlender; and Sen. Elizabeth Warren strikes a pose.