PayThink

As merchants get more aggressive when attracting consumers on mobile apps, marketing is increasingly about proactive targeting that personalizes pitches for both what is offered, and when.

The U.S. faces a dearth of minority-owned banks, and new ones are unlikely to emerge anytime soon. Therefore all financial institutions should step in to ensure that the needs of minority communities are being served.

Small banks and credit unions can get a leg up on their large competitors by using low-cost, low-maintenance checking accounts to win over financially underserved customers.

Host Card Emulation (HCE) is getting a lot of attention, since it offers virtual payment card issuers the promise of removing dependencies on “secure element issuers” such as mobile network operators (MNOs).

It's been almost a year and a half since the Consumer Financial Protection Bureau (CFPB) released its bulletin explaining how certain lenders offering indirect auto loans through dealers would be held responsible for unlawful, discriminatory pricing practices.

The Fair Housing Act (FHA) was adopted years ago to promote equal access to mortgage credit.

Michael Bartlett's June 30 Credit Union Journal article, "Tales from the Wild (Mortgage) Side," nicely highlights credit unions and their mortgage strategies in low-inventory, high-priced housing markets.

Apple's desire to maintain tight control of the payment experience is likely to wind up pushing banks away from iPhones and toward Android and host card emulation technology.

With all the recent events unfolding in the American business, economic and political sectors, perhaps the most concerning isn't so much the competency of leadership, but rather its values and ethics.

The vision that Apple’s founder Steve Jobs once had of a new type of mobile phone that could become so instrumental and integrated into people’s lives that they’d rather leave their wallet at home than their iPhone is starting to take shape.