PayThink

Without meaningful transparency on banks’ financial reports, regulatory capital ratios and living wills, anyone writing about bank earnings is a willing actor in banks’ quarterly earnings Kabuki theater.

Under its aggressive quantitative easing program, the Fed is borrowing short-term and investing long-term, exposing itself to severe interest rate risk when short-term rates rise, writes former Fed economist Scott Hein.

A poor showing for a bank in the Dodd-Frank stress test would need to be reflected in a counterparty bank's internal rating system, potentially restricting the bank's access to market liquidity.

U.S. banks today are safer, sounder, more secure, transparent, accountable and are performing their critical roles in the global economy.

Winning in the mobile world means driving revenues, acquiring new customers, and accelerating transactions. Mobile capture apps need open platforms and frameworks for apps that can be optimized for multiple uses and customized for their organization’s documents, customers, user experience and requirements.

The goal is to meet the financial education needs of everyone in the community — whether it’s the tech-savvy second-grader, the recent high school graduate getting her first checking account or a retiree learning how to stick to a fixed income.

The proposed Small Lender Mutual cooperative would be expensive for small firms to capitalize, and its securities may get inferior pricing compared to those issued by large banks and nonbanks.

As the U.S. and Europe impose sanctions against Russia, western banks are keeping closer tabs on their business dealings in the country. JPMorgan Chase's temporary hold on a Russian Embassy payment and the disruption of VISA services for SMP Bank could be just the tip of the iceberg.

Bankers are kidding themselves if they think bank-like supervision will ultimately catch up with nonbanks. Expect to compete on the current playing field, however uneven it may be.

This rise in data breaches and their resulting cost have companies asking “Am I doing enough to protect my data?” As breaches are expected to continue escalating, taking the proper steps to protect your data has never been more relevant or important.