PayThink

The EMV migration has been sluggish, but it's a vital part of protecting cardholders.

Banks should focus on strategies to ensure their sales incentives programs actually help drive profits. Otherwise, their rewards programs are at risk of adding zero benefit to their bottom line.

For all of the sophisticated ways criminals might try to launder money, banks still need to defend against low-tech methods that aren’t easy to track.

Forget about municipal governments. Through transactions such as payments, banks have a trove of data that can be used to revolutionize how cities work.

Mary Jo White's exit from the Securities Exchange Commission could make even her critics unhappy (note to Sen. Elizabeth Warren: be careful what you wish for). Former Nasdaq intern Adena Friedman makes her longtime ambition of becoming CEO of the stock exchange a reality, Amy Brady talks about the growing influence of CIOs, and Edith Cooper encourages conversations about race at Goldman Sachs. Also, Annie Leibovitz has taken some new portraits of women that you can check out in a free exhibit.

The complexity for large banks trying to improve culture is they are made up of different entities with competing missions and therefore competing cultures.

Many assume that a smart contract is something totally new. However, banking has used imperfect implementations of smart contracts for at least three decades.

By collaborating with consumers' favorite products or retailers, loyalty programs can get an extra punch.

Higher fees, longer turnaround times in the offing if credit unions don’t take steps to resolve issues with appraisals.

While President-elect Trump’s influence on the financial industry may ultimately be substantial, any change is going to be slow to develop — sometimes agonizingly so.