PayThink

Rather than push for looser rules on robo-calls, the industry should focus on policy related to the channels consumers prefer: email and text messages.

Consumers still primarily use cards and shop at brick and mortar retailers. Merchants need to take that into consideration when forming a technology strategy.

One common fear is that going high-tech — which often includes a lot self-service — will chip away at the high-touch service CUs are known for, but it doesn’t have to be that way.

For a corporation, throwing out new propositions in the dark is a very expensive way to innovate.

An amended proprietary trading ban could limit conflicts for firms with both lending and securities arms, and prevent large banks from using deposits for speculative activity.

Payment service providers and independent software vendors may find themselves on the outside looking in if they can't diversify to accommodate m-commerce.

For certain banks, it might make sense to require the chairman of the board to be an outside board member. But that’s a decision best left up to the board and management.

The past 16 years have seen the pendulum swing far too wide between lax civil rights enforcement on one extreme and overreaching on the other.

In reality, the proposal to toughen bank capital requirements has appeal both for those who want to unwind the Dodd-Frank Act and regulatory hawks who want to keep banks in check.

Host Card Emulation can bring contactless mobile payments to a wider variety of phones, but there's still some security concerns. That's where 'trusted execution environment' comes in.