PayThink

The election results will only intensify factors making competition with bank lenders more difficult, including the effect of interest rates as well as the regulatory environment.

As subscription services get more complicated, the technology required to send bills, process payments and execute marketing campaigns will become harder to manage.

Threats to the Consumer Financial Protection Bureau's future became more real with Donald Trump's victory, but all the outrage over the bureau's policies is overblown.

The GOP victories boosted expectations of federal regulatory action easing up, but such a scenario would likely create a void of power for certain state agencies to fill.

Big banks are still levying overdraft charges. New technology startups can stem the tide and help digitally-savvy millennials manage payments and their budgets.

With access to financial transaction data under threat by hurdles imposed by certain financial institutions, it should be up to consumers to decide how their data is used to improve their financial well-being.

The megabanks that emerged relatively unscathed from the crisis are cited as proof of universal banking's benefits, but recent events have debunked that claim.

Illegal methods of moving money are just as likely to be low-tech and old school as high-tech and sophisticated. Surveillance methods and processes need to be able to counter both.

A bill looming in Congress would require the Internal Revenue Service to accept electronic transmission of lending-related forms, which could speed up the lending process by days.

Politicians clamoring for the largest U.S. institutions to be broken up have failed to consider the prospect of China acquiring a bigger piece of the American banking system.