PayThink

The check may not be in the mail. Today’s consumer uses an average of three different payment methods each month, from online to mobile to walk-in and yes, even the occasional check, according to Seventh Annual Billing Household Survey from Fiserv.

Policymakers should stop assuming that homeownership is always better than renting and recognize the economic circumstances that young people will live with for the foreseeable future.

Small-business lending will be crucial to the future of the American economy. But community banks' ability to make loans to friends and neighbors they know depends in part on a supportive regulatory environment.

Apple Pay, Google Wallet, Samsung Pay and PayPal are just a few of the solutions which financial technology commentators predict will bring about the downfall of cash and the plastic card.

The Subsidy Reserve Act would bring into the open the financial benefits of being "too big to fail" — benefits the big banks claim to be nonexistent.

Tiered regulation could bring about a number of useful changes for regional banks, including a more customized approach to determining capital adequacy and simplified resolution planning requirements.

The cards business is highly eventful in Europe currently, thanks to new regulation, economic sanctions, liquidity shortfalls, regional conflicts, debt restructuring and related events.

When regulators use asset size as a yardstick, they impose unnecessary rules on larger financial institutions that employ traditional banking models.

Banks have spent a lot of money in order to comply with stress-test requirements. But they will only realize the value on their investments if they integrate stress-test tools and results into their daily decision-making process.

It's safe to the EMV adoption will be successful, but it is still going to take some time – and might never achieve 100% ubiquity in the U.S.