PayThink

It's hard to know what would be best with regard to NCUA's examination cycle, but that's exactly why all the stakeholders should be talking about it.

The government’s cap on interchange fees has failed to produce savings for consumers. That’s why the Federal Reserve should avoid dictating prices in the private sector.

EMV is being touted as the dawn of a new era in credit card fraud prevention. However, there are doubts it will make a significant difference.

Faster payments have a lot of benefits — and one big downside. A new electronic payments system could make it easier for people to unwittingly send money to scammers and harder for fraud victims to get their money back.

Not only do rules imposed under the Dodd-Frank Act threaten regional banks' lending capabilities, they could actually wind up increasing risk to the financial system.

The two-sided retail payment network ecosystem is undergoing a tectonic shift. Distinctions between e-commerce, mobile commerce and payments at the physical point of sale are starting to blur, and a range of digital wallet platforms are changing the way that customers make purchases and payments. It may therefore be time for interchange 2.0.

When people talk about the issues that now imperil community banks, they focus on things like low net interest margins and excessive regulations. But it's a dearth of young talent that could wind up dooming small banks.

Small installment loans with monthly payments limited to 5% of a borrower's income offer a way for banks to serve low-income customers' credit needs while turning a profit.

The majority of merchants we talk to have little to no knowledge of what EMV is or why it is becoming mandatory for all businesses.

Apple Pay, Google Wallet and other platforms have the potential to change consumers' payments habits. If retail payment networks want to keep their brands visible, they might need to consider giving these platforms a slice of the interchange pie.