PayThink

There’s no doubt that the payment industry has gone through significant changes over the last few years. The implementation of stringent federal regulations presents a number of challenges for payment processors. And with increasing instances of frauds and disputes, merchants and customers alike are expecting payment service providers to ramp up in terms of security measures, yet still make transacting easy for them.

A consolidated exam force could give state regulators access to federal resources without undermining the dual banking system.

Merchants who use dynamic currency conversion should be required to give consumers full disclosure about the service's added fees.

Touch-screen point of sale systems make a substantial impact on a merchant’s bottom line. In fact, a POS system typically delivers 4% to 8% in operational savings, resulting in a significant improvement to a merchant’s profitability.

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

The dramatic headwinds of the Affordable Care Act will result in increasing defaults and bankruptcy for many healthcare operators. Lenders should start evaluating risk in their healthcare portfolios now.

A year ago I attended both the PSCU and CSCU annual meetings and "EMV" were these three little letters that were preceded by phrases such as "start thinking about" and "you need to get ready for."

As the voices of concerned stakeholders, both the biased (regulated credit unions and trades) and the unbiased (more than 320 U.S. House members) grow louder and more compelling, the NCUA Board and its chairman, Debbie Matz, must now do the only prudent and reasonable thing.

As anyone who has purchased an airline ticket online can attest, published prices are a relic of days gone by. Adjusting prices in real time to reflect continuous changes in consumer demand and changing understanding of underlying supply costs—or dynamic pricing—has become increasingly common.

When women reject or reframe career-limiting assumptions, they are able to get ahead at their jobs without sacrificing having a family.