PayThink

It comes as a shock to few people that we’re currently in a period of high fraud, in an environment that can be characterized with words like “high risk” and “unstable.”

FICO discards incomplete and old credit history information for a good reason. The solution to today's credit-access problems is not to use this unreliable data but to turn to alternative data such as the payment of everyday bills.

Access to credit is too tight. But new credit-scoring models could increase the number of eligible borrowers in the U.S. without weakening today’s underwriting parameters.

Payments security researchers today find themselves in an awkward position and it's retailers who have put them there.

Most banks are interchangeable in the eyes of the average consumer. But a recent survey finds that mission-oriented banks distinguish themselves with greater employee diversity and a stronger commitment to lending in low- and moderate-income communities.

Banks need to keep a lid on personnel-related expenses. But many of them are missing out on opportunities to dig deeper into the data and determine the appropriate hours and staffing for their retail locations.

Since enterprises must maintain information about their customers, why is it that breaches happen constantly?

While the heated war or words between NCUA Board Chairman Debbie Matz and Board Member Mark McWatters is hardly the first time the agency has seen such a clash of philosophies—and personalities—credit unions would be wise to keep an eye on this one.

Sen. Shelby’s financial reform legislation is missing some key ingredients sought by credit unions, but sometimes half a loaf is better than no bread at all when it comes to political maneuvering.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including a call for a small-business loan brokers' code of ethics and why Congress needs to level the playing field for investors in bank obligations.