PayThink

The OCC’s draft fintech charter requirements are far from perfect. States can seize this chance and collectively create a better regulatory environment for fintechs.

Machine learning, Siri and Alexa are taking off quickly, particularly among younger consumers. Banks and payment companies need to get in the game now.

Suspending Fannie Mae and Freddie Mac's regular dividend payments to the Treasury, thus enabling the companies to replenish their reserve capital, would put their future on better footing.

The Office of the Comptroller of the Currency is trying to do its part to address fintech regulation, but the OCC lacks the mandate to solve the broader fintech issues facing the entire financial ecosystem.

Passwords are often restrictive, undynanmic and draw attention from fraudsters. And there's also the risk of repeated cybercrime linked to old authentication.

From SoFi to Venmo, fintech competitors are creating a customer experience that is so fast and easy community bankers like Julieann Thurlow cannot help but worry.

Banks are undergoing a digital transformation at the same time that hacker culture has taken off, escalating the security risks. Here is one strategy for protecting data where many banks need to improve.

The industry needs to establish a clear set of rules and standards so safe and secure financial data access and sharing continues unrestricted.

We need to continue the dialogue between state regulators and fintech firms on a broad range of important issues impacting this growing industry.

Having a loan officer on-hand at closing boosts member satisfaction and improves CUs' relationships with real estate agents and title companies.