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The information you need to start your day, from PaymentsSource and around the Web. Today: Amazon considers Go-Jek investment; China picks institutions for government crypto; Token hires new CEO; Google Pay targets local stores in India.

With long-term interest rates at historic lows, mortgage refinancing is coming on strong. But that additional revenue may not be enough to offset net interest margin pressures and lost servicing income.

Just as AI technology is being leveraged by hackers to create botnet armies, it can be utilized by organizations to better detect these very attacks, writes Imperva's Terry Ray.

With the Federal Reserve last month citing synthetic identity fraud as a growing concern for financial institutions, there's more pressure to detect fraud at the start of the relationship.

Management at the Oklahoma City bank prides itself on listening to employees, and embracing the volunteer policy suggested by the chief marketing officer is just one example of that.

It can be difficult to measure the effectiveness of the wellness programs that banks offer to employees to help keep morale high, stay competitive in recruiting and lower health care expenses.

When H. Lynn Harton joined United Community Bank seven years ago, he knew he was on track to eventually become CEO. But he still felt he had to earn it.

Executives of the Wisconsin bank realized employees weren't getting enough direction so they adopted a strategy that breaks objectives into smaller steps.

Many of the 85 banks on our seventh annual Best Banks to Work For list have novel approaches to leadership, communication and more.

Executives at Atlantic Capital Bank had to take a hard look at its strategy and culture after the acquisition of First Security Group dampened employee morale.

The Tennessee bank was able to give employees more flexibility and cut its costs in half for its biometric screenings initiative.

The two banks' strong chemistry helped 1st Security's integration of Anchor go smoothly.

Employees of the Minnesota bank get a $500 "self-improvement allowance" each year.

The Best Companies Group, in collaboration with American Banker, completes an analysis of employee surveys and reviews information on employer benefits and policies to develop the annual ranking.

AvidXchange is expanding its outreach to lenders with its purchase of BankTEL, which currently does business with 20% of U.S. banks.

Sen. Thom Tillis of North Carolina called for the panel to hold a hearing on what he termed the danger that the Federal Reserve will meddle in the 2020 presidential election.

The Pittsburgh company will take a de novo approach to growth around Washington.

The idea of a common digital identity for consumers has become more compelling amid the digitalization of the world's economy. Many bank and credit union executives consider it a natural fit, one the industry should be prepared to lead on.

Asset Recovery Associates told borrowers that it could sue them, garnish their wages and place liens against their homes, according to a consent order by the consumer bureau.

The CFPB ordered Texas money transmitter Maxi to pay a $500,000 fine for allegedly deceiving consumers by saying the company is not responsible for errors made by agents.