PayThink

More than anything I would like good customer service, close attention to my account security and really low fees. Unfortunately, I must admit I almost never get what I want from my bank.

Policymakers say they want to bring "underbanked" groups into the traditional banking system for safer consumer options, small-business growth, a sound banking system and other laudable reasons. But today's rules and aggressive enforcement work against these goals.

If retailers want to reap the rewards of consumer sales, they should also take an active role in protecting their data.

With no more lines and far more banks to choose from, I want the one I select to handle my exceptional transactions exceptionally. I want to leave my bank knowing that my visit was and always will be worthwhile.

The biggest takeaway from a roundtable discussion PayPal hosted at its New York offices this week: Size matters.

Mortgage banking is like the little girl in the nursery rhyme: "When she was good, she was very, very good, and when she was bad, she was horrid."

The CFPB should establish a working group – of banks, credit reporting agencies, other regulators, Silicon Valley startups, retail consumer lenders and others – to ensure a level regulatory playing field and to conduct a thoughtful examination of American consumer credit.

When I am ready to commit to paying many thousands of dollars financing a home, a car or my kid’s education, I will offer my business first to those institutions that helped me – a 'high-transaction, low-balance customer' – get there.

There are five major changes in Basel's latest guidelines that significantly impact its leverage ratio’s denominator, potentially leaving banks significantly undercapitalized in the event of an unexpected loss and endangering our economy.

Instead of trying to blame the Target breach on card companies and drag unrelated issues into the discussion, merchants should work with the payments industry to find solutions.