PayThink

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

If you've just returned from your year-long trip to Mars, you'll be comforted to find that Twitter is making an offering of stock to the public and Jamie Dimon of Chase is making a sacrificial offering to the regulators in the form of $13 billion plus of shareholders' money, while holding a reserve pot of $23 billion for all settlements.

In the wake of December's Target breach, credit unions are feeling uneasy.

Only three pages out of 40 in the OCC’s recent report cover interest rate risk. The discussion is toward the back. And the detail provided in quantifying exposures is scant.

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.