Consumers are back to their old spending and saving habits; Trump administration is encouraging financial innovation; how the financial crisis shaped today's politics; and more from this week's most-read stories.

The OCC has simplified language detailing how fintech charter applicants will clear requirements for meeting community needs. The move has some consumer groups worried.

Sensing an opportunity in the small-business credit card market, Stripe is setting out to outflank big banks by offering application programming interfaces to enable its clients to issue their own physical and virtual credit cards.

While mass transit has long been seen as a potential catalyst for changing payment habits, it's apps such as Uber, Grab and Lyft that are making the biggest difference in how people pay for transportation.

Artificial intelligence has myriad benefits for consumers, yet many are still concerned about issues such as privacy, requiring issuers to provide more information about the technology, according to Cyndie Martini, president and CEO of Member Access Pacific.

In its Thursday board meeting, the regulator extended the interest rate limit, and announced a plan to spend $675,000 on cybersecurity improvements, among other measures.

A legal battle is being waged between a U.S. bank and its insurer over the insurer’s refusal to pay out on a cyber policy, in the wake of hacks on the bank which led to a loss of over $2.4 million. The case flags the problems of insurance in the fast-moving world of digital security.

The charge calls into question the speed of the turnaround under CEO Brian Duperreault; the payout will be the Scottish bank’s first since the financial crisis.

Companies report that cross-border payments account for just 20% of payment volume but typically take 80% of accounts payable's time. That's simply not scalable. You can’t just keep throwing people at this problem, writes Karla Friede, co-founder and CEO of Nvoicepay.

Nick Shevelyov, former chief security officer, will now serve as its chief information officer. Robin Staples, former head of IT digital, will serve as the new chief technology officer.

The company’s first COO, Vishwas Prabhakara, is hoping to help the automated savings app startup build scale.

The trend poses challenges for banks, which have long required customers who want fees waived to put in their own effort.

Three credit unions have signed on with the Costa Mesa, Calif.-based fintech aimed at helping consumers pay down credit card debt.

Sensing an opportunity in the small business credit card market, Stripe is setting out to outflank big banks by offering APIs to enable its clients to issue their own physical and virtual credit cards.

The industry group wants the FDIC to reject an ILC request from student lender Nelnet and impose a two-year ban on future applications.

Wire and other payments fraud affected a record number of businesses last year, and the FBI is warning in particular about real estate scams.

Mobile e-commerce is growing fast, and online retail fraud levels are keeping pace with this expanded sales volume.

Former postal CU expanding charter, changing core system for first time in 20 years.

A group of rival trade associations have put aside their differences and come together to emphasize to Congress the need for increased standards for retailers.

Treasury, OCC want to make it easier to compete with banks; the two banks will sell notes and other products through a broker network.