PayThink

The financial system will be safer if accounting standards force banks to incorporate risk into the way they value and report cash and cash equivalents.

Cliff Rosenthal shares insights from his second career at the Consumer Financial Protection Bureau.

In 2014, payment players continued to search for new markets and new revenue streams through various initiatives aimed at targeting the unbanked and underserved populations.

There's little point to Fannie and Freddie's large profits if that money is remitted to the Treasury rather than making the GSEs more financially stable.

More robust risk management frameworks and technology infrastructures are at least as important as higher capital standards in preventing another global financial crisis.

As the Consumer Financial Protection Bureau considers rules to protect consumers who take out payday loans, some observers are pointing to changes that Colorado enacted in 2010 as a model.

All over the world, consumption is undergoing a major shift. Consumers no longer need to choose between local specialty goods produced within their own communities or mass produced products manufactured abroad.

Banks need to showcase a reputable culture — and competitive compensation packages — to seal the deal with top talent.

Colorado's interest rate cap on payday lending has successfully brought down costs for borrowers, but the state continues to experience unacceptably high default rates.

One phenomenon we are currently seeing in emerging markets is a leapfrog to mobile payments.