PayThink

This is an exciting time to be in the payments industry. The U.S. deadline for the EMV chip-and-PIN migration is officially less than one year away, and Apple Pay recently became available to iPhone 6 and iPhone 6 Plus users.

The Supreme Court has agreed to consider a case related to the use of disparate impact theory to charge organizations with discrimination under the Fair Housing Act. The case highlights a key problem with current interpretation of the statute: it ignores a basic statistical pattern that makes it hard to determine which practices would produce a better outcome for protected groups.

The recent announcement by NCUA's Office of Small Credit Union Initiatives that they will be publishing a list of vendor names makes one wonder what next to expect.

Well-managed banks have the opportunity to issue shares and strengthen their capital base before new requirements take effect and the markets adjust to a low-risk environment.

The launch of Apple Pay last month was undoubtedly a defining moment in the evolution of mobile payments.

While some might forget to pause on the 11th hour of the 11th day of the 11th month, it's a sure bet the credit unions founded to serve our military men and women won't.

Fail to fill the wants of your members, and an array of competitors stand at the ready to lure them away. Here's how to hedge against that happening.

As the financial industry scrambles to monetize big data, it would be smart to remember that consumers' growing concerns about privacy issues might stanch the flow of personal information in coming years.

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

Disaffected big bank customers are looking for a reason to switch. Community banks and credit unions should take advantage of this opportunity with a collective ad campaign that positions their institutions as friendly, helpful and morally upright alternatives to major lenders.