PayThink

As more consumers pile into Bitcoin and the currency's market capitalization increases, any handful of trades will not have as strong an effect on the currency’s price swings.

Why banks should strive to bridge the gap between audit teams and business lines with better information sharing, high-powered data analytics and business risk assessments.

If compliance burden sends traders packing for Russia, Brazil or Mexico, the U.S. would lose not only investment capital but also the ability to monitor algorithmic trading for manipulative practices.

What we have seen from the bank regulatory agencies is an unsustainable proliferation of rules. Big banks are taking on water to keep up, while community banks are being swamped.

Regulatory officials have been optimistic that they would finish critical aspects of the Dodd-Frank Act by the yearend, but as the year comes to a close, banking agencies are likely to miss the target.

Online bill pay technology developed with small business users in mind is lacking. But new offerings could provide companies with greater functionality, while also helping financial institutions reduce risk and build stronger customer relationships.

Branches are outdated, expensive and unwieldy. For years, bankers have postponed dealing with the dead weight. Now it looks like they’re starting to make the necessary hard decisions. Finally.

Community banks' prospects will improve if they accept that the financial services industry is changing. They must re-examine strategies and business models, and experiment and improvise to exploit new opportunities.

Reforms of recent years appear to be working and the Federal Housing Administration’s worst financial days appear to be behind it. Time for the agency to return to its mission.

The industry has moved from a traditional customer-oriented banking model to a transactional and counterparty-oriented model. This change has contributed to an operating environment in which the opportunity for abuse and deception has increased.