PayThink

Bankers provide customers with a huge range of services free of charge. If banks want to compensate for the rising cost of those services, that's got to change.

Fraud schemes are constantly changing, as criminals exploit new channels and methods of perpetrating their crimes. It is the ultimate game of whack-a-mole; stamp it out in one place, and it pops up somewhere else.

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

Are you passionate about credit unions? Do you feel strongly about where the community is moving? Credit Union Journal wants to hear from you — and now it's easier than ever to be heard.

There are enough studies quantifying the subsidies that too-big-to-fail banks receive. The focus should now be on the other benefits that keep big banks too large to manage, supervise or even jail.

Let's face it: Thanks to the politics associated with reform of the government-sponsored enterprises since Fannie Mae and Freddie Mac entered conservatorship in 2008, major structural change in the secondary mortgage market is unlikely to occur anytime soon.

Up until about a year ago if you were a CU marketer and you were in need of a campaign idea, if all else failed you could always fall back on Mr. Dependable, the refi campaign.

Confusion over regulatory jurisdiction and burdensome compliance costs are cutting into community banks' profits and forcing them to consolidate. But it doesn't have to be this way.

Financial pundits weigh in on questions raised and conclusions drawn from Bank of America's capital mistake, in tweets.

For a technology still in the midst of evolving, mobile payments attract an overwhelming amount of interest. Competition between payment systems is intense — as the Wall Street Journal recently noted, AngelList’s mobile payments startup roster includes more than 640 players.