PayThink

The recent hack of the DAO (short for Decentralized Autonomous Organization) and the subsequent reversal of funds on Ethereum's blockchain should finally put an end to a decentralization charade.

Companies like Prosper have revolutionized the front end of the consumer lending experience, but they have not proven able to handle even minor financial bumps without running off the road.

Sure, there is an inherent business tension between banks' digital offerings and personal financial management software. However, the ground rules for making account data available to consumers for use in external software products and apps are in place and the so-called rivalry is overblown.

The recent security incident involving Oracle POS systems demonstrates once again that no system is immune to security breaches.

Despite headwinds working against the mortgage insurance industry, this business could be the catalyst for bringing private capital back to the mortgage market.

With all the innovation and momentum around consumer wallets and payments, payment security is a huge concern to banks, merchants, issuers, payment networks and any new wallet provider.

Stakeholders must come together to make sure that artificial intelligence disrupts banking in a manner that incorporates constitutional values and provides responsible banking services to everyone.

After the whirlwind of payments innovation in 2015, 2016 has felt rather stagnant in comparison for many payment technology enthusiasts. What is the story behind this lull and what does it mean for the future of Fintech?

Heather Cox is moving to USAA; female regulators are gaining prominence in the online lending conversation; and asset managers are still fighting sexism at work (but then again, who isn’t?).

Pretty much every merger of insurers and banks since the Citi-Travelers deal has come undone, but today's conditions support new-style marriages that make sense for shareholders and customers.