PayThink

Strengthening the trade association will engage a higher number of members in the voting process and reinforces the democratic principles that drive cooperatives.

Discussions around reinstating the Depression-era law are headline-grabbing, but Glass-Steagall has no merit in our current financial environment.

Screen scraping is an out-of-date way to share transaction data with mobile apps and services. It's high time for banks to invest in OAuth, a protocol that lets customers access their financial data in a portal of their choosing and is secure.

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.