PayThink

Research shows the more consumers interact with branch staff, the more they dislike the brand. To improve their image, banks need to emulate Apple and focus on every customer experience detail — in tech and in person.

Loans outpacing GDP and the expressed optimism of CEOs on recent earnings calls are among the signs that growth figures are too good to be true.

NFC mobile payments continue to grab headlines, but to really drive uptake and ensure full market coverage, combining contactless cards with next-gen mobile banking apps is surely the right way to go for new banks.

Risk is building in nonbank companies that are closely linked with regulated institutions but that have not faced the kind of stiff rules imposed on banks since the financial crisis.

A leading alternative lender has admitted that balance sheets and liquidity matter, and that it is a problem that such lenders need to keep growing lending volumes to prosper.

Retailers who claim that restrictions on debit card fees benefit credit unions and community banks miss the point: These price controls are bad for consumers.

The more welcoming European regulatory environment for blockchain developers could take the competitive edge away from U.S. banks unless regulators here start championing fintech innovation.

We are reminded frequently that policies with the best intentions often do not reach their intended recipients and at times lead to previously unforeseen issues.

In opposing restrictions on interchange fees, the financial services industry often claims that 2011 debit swipe-fee reforms are such a huge threat to revenue that even small banks and credit unions below $10 billion in assets, which are exempt from the Dodd-Frank Act rules, feel the pinch.

The fight over the security protections on the San Bernardino, Calif., iPhone is about more than a single device or Apple's product line.