PayThink

By ensuring that all big-bank investors receive equal treatment in bankruptcy and looking for other ways to prevent short-term liquidity problems from becoming major financial crises, Congress can avoid the need to test the FDIC’s ability to resolve large financial institutions.

The best-performing banks are those that continue to invest in growth, rather than those that fixate on containing expenses, writes Capital Performance Group's Kevin Halsey.

The changes happening in digital payments today are being driven by fintech innovators improving almost every way that people and businesses exchange and manage their money.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including the merits and drawbacks of Sen. Richard Shelby's regulatory reform legislation, whether bigger banks are inherently riskier and banks' evolving interest in blockchain technology.

Fannie and Freddie's profits depend on having their obligations backed by the U.S. Treasury. Therefore they should have to pay a sensible price for this backstop — just like big banks.

If there was any question about the need for Congress to modernize our nation’s data-security laws, the recent settlement negotiation between Target and MasterCard should put all doubts to rest.

It took three or so days to settle stock trades. What if that could happen instantly and be recorded on a blockchain for everyone to see?

For all the excitement about the blockchain's potential to shake up the financial industry, few people understand how it works. The really revolutionary part of the blockchain process is how miners manage to keep records of transactions accurate and tamper-proof.

While young consumers do not have a past with legacy payments methods and are most open to new innovation, most new payment systems are not adequately focused on the youth market.

The proposed legislation for regulatory relief seeks to roll back critical mortgage protections put in place to prevent another housing crisis.