PayThink

The biggest change in banking in the last 60 years is the shift in balance sheets from business lending to real estate finance and therefore more risk tied to volatile real estate prices.

With supervisory pressures continuing to mount, a piecemeal approach to handling banks’ regulatory demands is costly and ineffective.

Once fraud has been detected and a customer’s usual payment mechanism is broken, what happens next to ensure that customer remains happy and loyal?

Distributed ledgers have the potential to simplify and strengthen bank regulatory oversight when applied in the appropriate context, such as during the Shared National Credit examination program.

Banks must use analytics — rather than customer surveys — to determine what does and what does not inspire prospects to become customers.

Though CUs face stiff competition on all lending fronts, perhaps the greatest challenge — as well as the biggest opening — is in the credit cards sitting alongside the CUs’ cards in members' wallets.

The solution to "too big to fail" is requiring all creditors, other than insured depositors, to face the risk of loss so that neither the FDIC nor taxpayers lose any money.

In an industry steeped in tradition, sometimes it's hard to recognize when a long-held belief or practice has gone from time-honored to time-worn.

The loyalty key fobs that reside alongside car and house keys on a chain is rarely discussed in the plastic card market, but has nonetheless undergone a revolution in recent years. Certainly in the U.K., their popularity has soared.

The 30% Club's Brenda Trenowden talks about the need for more female role models in banking; Barbara Byrne and Sallie Krawcheck talk about successful women "rubbing people the wrong way"; and backers and advisers of the new movie Equity talk about being pregnant on Wall Street. Also Digital Asset Holdings staffs up with RBS and JPMorgan executives.