PayThink

When one considers the available data on bank lending, there is a lot more to the story. The solid loan growth at commercial banks in recent years has been concentrated in some of the sectors that appear least in need of credit.

Using big data can help CUs improve efficiencies and reduce costs when it comes to compliance.

The industry has made great strides in faster payments over the past year. Even more cooperation among stakeholders will be needed in the year ahead.

As cars add web connectivity, the opportunity to embed payments are almost endless. It's an opportunity that's too big to ignore.

It may seem counterintuitive, but the rise of digital banking makes human interactions in branches more important than ever.

Firms need to evaluate risks ranging from hackers spreading false information about the bank to an executive’s inappropriate social media posts.

A lot of time can pass between a breach and when a company discovers the incident, creating an opportunity to damage payment systems.

The banking industry as we once knew it has changed, but a world-class, person-to-person, in-store experience still provides a unique way to connect with customers on a genuine level.

The administration’s executive order on financial regulation is open to interpretation, but the document will likely serve as the touchstone for financial regulators in the years ahead.

The shape of health care reform is a work in progress politically. But removing paper from billing should be a noncontroversial piece of the solution.