PayThink

The DAO heist and subsequent reversal of funds on the Ethereum blockchain demonstrate why developers and miners of public blockchains should have more accountability.

At best, the proposal to restore Glass-Steagall is outreach to Bernie Sanders supporters. But at worst, it suggests the GOP candidate isn't as anti-regulation as he claims to be.

The proliferation of smartphones and the onset of mobile payments has brought biometrics to the forefront of security for financial transactions.

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.