PayThink

Apple Pay couldn’t have arrived at a better time; security breaches in major retailers appear almost daily in the news, and consumers are looking for a more secure way to pay. And while Apple Pay may address that need for many, there are still potential security breaches.

The HMDA's reporting requirements should be expanded to include loan performance data along with mortgage origination data so that researchers and policymakers can better understand the state of credit access in the U.S.

As data breaches become more common, bank board members need to make sure that senior management is familiar with the latest cybersecurity developments and has a crisis communications plan in place.

With the coming split from eBay, PayPal is poised to become one of the new leaders challenging the plastic card and magnetic stripe hegemony.

It's time for the Federal Housing Finance Agency to make good on Fannie Mae and Freddie Mac's funding obligations to two affordable housing programs.

A federal judge has dismissed an FDIC lawsuit against directors and officers of a failed North Carolina bank. The ruling has big implications for future cases that seek to hold senior bank management accountable for financial crisis-era failures.

Interactive Voice Response (IVR) technology can be a huge help for payment collectors, from allowing customers to make payments over the phone to simply checking their balance.

Examiners will not require community banks to adhere to new risk governance standards, but they are likely to expect community bank boards to incorporate the guidelines' fundamental principles into their oversight.

The fact that a customer has been with your bank for an extended period of time may not be as predictive of their future decisions as you think.

Techniques used to fund terrorism and launder money evolve rapidly. At the moment, new payment methods, specific conventional banking areas and even charities and non-profit organizations are all targets for launderers.