PayThink

The Federal Deposit Insurance Corp. claims that reports of the impending death of community banks are greatly exaggerated. Historical data tells a different story.

Banks looking to build productive, lean-staffed branches should ensure that their work culture rewards positive employee attitudes.

Big banks' alleged manipulation of Libor may have been unethical, but the FDIC faces long odds in proving that their actions caused community banks to fail.

Banks should not expect customers to cough up their data if there isn’t something in it for them.

The U.S. is roughly two years into its migration to chip payments, but in the last few months I have seen the tide turn and this migration start to really pick up speed. But before I talk about where we are now, it’s important to understand where we have been and how we have arrived here.

General Motors CEO Mary Barra has been out front and center during the auto manufacturer's massive recalls this year. Most bank chiefs appear less willing to be the public face of a disaster — with the notable exception of HSBC USA's Irene Dorner.

If bankers want their branches to be successful, they’ll have to start thinking beyond cost-efficiency, says Paul Seibert, vice president of financial design for EHS Design.

Institutions become comfortable with the nominal profit increases from higher risk and ignore the warning signs. It is hard to recognize a problem when you are paid not to see it.

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

By addressing concerns about how distressed loans are resolved, banks and non-banks alike can make a virtue out of necessity and regain the trust of policy makers and the public.