PayThink

Retailers both online and off have noted an increase in chargebacks since the U.S. moved to microchip cards back in October. None of them are happy about it.

Consumers deserve disclosure and the protections enjoyed by payroll card users, but it is critical that regulations do not put providers out of business.

Steps to improve credit access, evangelize for down payment programs and offer borrower counseling can stop and even reverse the decline in homeownership.

The ultimate approval of the CIT-OneWest merger by regulators represents a giant step backwards for the Community Reinvestment Act.

I’d like to suggest there is one more bubble which has yet to be called out, but is nevertheless pretty obvious to a handful of payments professionals who don’t practice the art of denial or are not paid to cover up the obvious symptoms. It’s the payments bubble.

Financial incentives leading firms to strengthen risk governance internally is better than regulators mandating risk management standards.

Real regulatory relief for community banks and stricter oversight of the biggest financial firms are steps that can increase investor interest in new banks.

The term real-time payments is a slight misnomer. It focuses the industry and the market on the outcome instead of the input.

The prospect of banks and credit unions meeting small-dollar loan demand is at risk under the Consumer Financial Protection Bureau's restrictive proposal.

Even though innovative underwriting criteria can help more people get credit, the risks and potential harms of mining social media data to make loan decisions might just be too great.