PayThink

The “ability-to-repay” regime eviscerates fundamental principles of a mortgage “market.” It will not guarantee against a housing bubble and crash. It will constrain the availability of credit and increase home financing costs.

The “ability-to-repay” regime eviscerates fundamental principles of a mortgage “market.” It will not guarantee against a housing bubble and crash. It will constrain the availability of credit and increase home financing costs.

A focused strategy, executed by engaged, committed members of the board, management and staff in a culture that supports taking measured risk, sets the stage for success.

With 2013 coming to a close, here's a look back at some of our favorite contributions to the PaymentsSource blog this year.

George Bailey has a lot to teach us about the ongoing basic risks faced by financial institutions.

The Volcker Rule is a veritable leviathan in size and complexity, but the jury is out on whether it can truly avert another London Whale-type fiasco. Don’t hold your breath.

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

Banks need startups to test the waters with new products and services, but startups need banks for their capital, infrastructure, large customer bases, established regulatory relationships and compliance training.

Emerging payments developers shouldn't feel forced to place all their bets on one platform or another. In the shorter term, successful future models of banking will be hybrids.

It should be obvious that no one in his or her right mind would design the bank regulatory system we have today. No third-world country's bureaucracy is so byzantine.