PayThink

Every day, debt collectors deal with people who have found themselves in tough and sensitive financial situations.

As bitcoins become more popular, banks should consider the credit risks associated with borrowers who own digital currencies and take steps to mitigate potential pitfalls.

Most customers who go into bank branches aren't in the mood to entertain a forceful sales pitch. But if they're pleased with the service they receive, they'll be a lot more willing to learn more about a bank's additional offerings.

Consumers throughout the U.S. are embracing online shopping, shifting a significant portion of their purchases from retail stores to the web at an ever-increasing pace.

Until Congress gets around to GSE reform, the FHFA could at least make Fannie and Freddie less expensive to run. Combining the companies would reduce the threat that they will need more support from the Treasury and perhaps lower the cost of obtaining a mortgage.

Research suggests that women in leadership positions are most successful when they develop flexible management styles and pay attention to some uncomfortable truths in today's workplace-even if they reject them.

In the payments security industry, tokenization initiatives have started to emerge, which would have important ramifications for retailers if they were to take off.

Banks are hiring armies of lawyers, accountants, compliance consultants and IT vendors as they prepare to comply with the Volcker Rule. Ironically, their attempts to fortify themselves with outsourced knowledge could expose them to more operational risk.

Until U.S. authorities can prove they have a better idea about how to provide short-term, small-dollar loans and other alternative financial services to people in need, they should stop trying to drive from business the lawful companies working to serve this market.

The recent announcement from Apple, that it is now diving head long into mobile commerce, was universally embraced by many of us in the industry.