PayThink

A look at four financial technology startups reveals major trends in the industry. Mobile applications, digital currencies, small data and alternative lending are all heating up.

Over the course of the NACHA Payments Annual conference, ACI conducted a survey to capture the sentiment of our industry experts and practitioners on hot topics impacting the payments ecosystem. We included mobile payments and real-time ACH, the latter of which generated interesting feedback and spirited discussion that was both insightful and directionally important to where we are headed as an industry.

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

There have been numerous media reports, along with considerable confusion, surrounding the subject of student loans.

Three key crisis response concepts can help bank leadership teams avoid the fate of Target CEO Gregg Steinhafel, who resigned this week in the aftermath of the company's holiday season cyberattack.

Branch transformation is a hot topic these days — it seems everyone has a different idea of what it means. When I ask credit unions what they think of it, I get a myriad of responses.

"Engagement" gets more discussion at credit union meetings than a gathering of Kay Jewelers store managers.

Small-business owners are increasingly demanding risk advisory services along with comprehensive wealth management services, creating a potentially new revenue stream for forward-thinking banks.

No company should be designated as a systemically important financial institution before the Financial Stability Oversight Council knows what "more stringent" prudential standards the Federal Reserve will apply to it.

Card-not-present (CNP) fraud is generating quite a bit of chatter in financial and payments circles today. Much of the talk centers on the link between greater global use of the EMV standard and rising CNP fraud.