PayThink

Bank of America's Michelle Moore explains the role of design in the bank’s app's success; SoFi's Joanne Bradford claims money isn't the most important thing in taking a new job; TSB's Helen Rise urges women to be bolder.

At a time of dangerous political division, the plan to grant federal charters to financial technology firms can address policy goals favored by both parties.

A protectionist banking policy could lead to reprisal from overseas regulators, financial instability and less cross-border business.

The technology can help to speed processing, and the number of banks investing in the technology is expanding rapidly.

The risk, complexity and psychological biases related to financial products make them ill-suited for push-based selling tactics. Instead, banks should use their digital channels to help customers decide what they want.

Focusing on the rise of auto financing delinquencies ignores the bigger picture: Loan volume has grown on all risk tiers and defaults are a natural part of the process.

By using biometrics, merchants can tie user identity to the actual consumer, a better option than EMV chip cards.

Rather than roll back provisions of the Dodd-Frank Act that have strengthened financial stability, policymakers should focus regulatory reform on tailoring rules for community banks.

Rather than just avoiding costly rules, cost-benefit analyses can also validate worthy ones. That is the case with proposals to toughen the leverage ratio.

The attack goes after the social network customer service channels for issuers and other financial services, and is hard for consumers to spot.