PayThink

If customers are more likely to find you through an Internet search than by noting your actual existence along their commutes, well, good luck with that.

Avoid a change if your bank lacks the ability or resources to implement it successfully. Instead, consider accepting low growth, managing the institution for cash and returning the excess capital to shareholders.

Cybercriminals will target small banks, mobile platforms and cutting-edge payment forms in an effort to delay service and obtain data next year.

Bankers say their decisions and progress are retarded by uncertainty about pending government actions. That's nonsense. Seldom has the future been as clear as it is today.

"Deposit fee" is one of the more popular terms being used in new naming conventions, while some banks are scrapping their fees altogether.

Successful banks are, among other things, focusing on education and employee training courses, establishing a formal enterprise risk management department and tying compensation to clearly defined best practices.

Developing and implementing programs that accurately detect consumer vulnerabilities in the marketplace is important to better manage risk at financial institutions and for public policy purposes.

The crisis gave financial innovation a bad rap. Don't let that stifle fresh thinking.

Banking regulators' nonchalance about preparing for a crisis is puzzling.

It is time for the FHA and its supporters to put the interest of working-class families ahead of real estate agents and other interest groups who want to expand its abusive lending practices.