PayThink

Sitting there happy that you dodged a bunch of bullets because you are under $10 billion in assets and don't have to comply with the mountain range of rules being created by the CFPB? Prepare to be shot.

Financial institutions that can figure out how to couple an efficient and optimized loan process with personalized service will win in the future.

Market participants should weigh in on Basel’s latest consultative document in order to strengthen safety and soundness in growing global securitization markets.

The next decade should be a payments-industry renaissance, but thanks to established market shares and persistent consumer and merchant habits, familiar names will remain at the core.

Bank CEOs, particularly those running small banks, shouldn't be judged on stock price alone. Board members and investors should also consider, among other things, liquidity, tangible book growth and oversight of mergers and acquisitions.

While it is easy to vilify Target for its recent data breach, the card networks' refusal to take on real card security makes the retailer a victim along with consumers.

This is 2014, not 2008. The problem is not subprime mortgage lenders, but a pendulum of federal regulation that has swung to such an extreme that worthy, qualified borrowers are being turned away.

None of us is above human error, but it's worth reminding financial institutions that these interactions can affect the psychological well-being of their clients.

Regulators should create a risk management quality rating that may be used in examinations and deposit insurance pricing. Banks should build capabilities that comprehensively assess the quality of their risk management processes tied to strategic business goals.

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