PayThink

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A recap of the informed opinions (and the discussions they generated) on BankThink this week.

Is your digital communications investment simply a replacement for your traditional communications in branch, or is it meant to do more than just replace posters on walls?

Why are banks missing the early warning signs associated with employee misconduct?

Mobile commerce is here and isn’t going away. We can all agree on that. And I think we can all agree that it’s the banking industry’s opportunity to lose, but to date, most banks remain very slow to take action.

The overly complex Dodd-Frank Act came about because policymakers failed to tie regulation and regulatory structure together effectively. The next step in financial reform should be to simplify — and perhaps consolidate — regulatory processes.

A government tool for unloading failed bank assets and minimizing FDIC losses may be used as a vehicle to publicly subsidize private gains in the proposed merger between CIT Group and OneWest Bank.

I would encourage the CFPB to focus their energies on advancing the road to credit concept instead of focusing on how to restrict credit.

Banks need risk managers with a "show me the money" mindset — that is, people who know how to use income statements and balance sheets to sniff out risky business activities.

As digital currencies become increasingly popular in Latin American countries, partnerships between banks and Bitcoin exchanges can help expedite cross-border transfers.