Author Rachel Schneider on income volatility problems; Travis Dulaney talks instant payments; American Banker's Mary Wisniewski discusses the OCC's fintech charter, data aggregation battles, and alternative data.

The industry needs to establish a clear set of rules and standards so safe and secure financial data access and sharing continues unrestricted.

As multi-factor identification becomes the norm, biometrics can be one or more steps that consumers can easily execute.

Bank3 started as a $12 million-asset institution with a single branch, no online banking and a core system that was obsolete. Now it's much more.

Ann Marie Mehlum, who has joined a lending platform called SmartBiz Loans after stints as a community banker and an SBA official, says the combination of fintech and old-fashioned banking could bring back small-business loans under $100,000.

The administration wants to deal with the concerns of banks of all sizes in its deregulatory efforts, Treasury Secretary Steven Mnuchin said Friday.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

Amazon's Go concept store has caused concern among payment companies and retailers, though there are mobile-driven options that can replicate the experience.

Rent is one of the few payment types where automation has made very little headway, still relying heavily on mailed checks that the landlord deposits in person at a bank. One strategy to change that is to borrow a concept from the gig economy, in which the payment rides along with other services.

A faster network is letting the regional bank bring new technology into its branches and share data with fintech partners via APIs.

OAS Staff FCU is one of a slew of CUs to sign new deals or renewals with EPL.

Accenture has agreed to acquire First Annapolis Consulting in an effort to add payments expertise in several international markets.

Texas Trust CU's latest financial education effort has a simple goal: If you can manage an unmanned aerial drone, you should be able to manage your finances.

None of the initial steps banks can take to modernize business lending are cutting-edge innovation ideas, but they can still improve the borrowing experience, giving businesses fewer reasons to look elsewhere.

In the shift to online and mobile shopping, one group often left out is the 65 million Americans with poor or no credit. But as more retail categories like furniture move online, a growing number of e-commerce merchants is adding instant finance options for the subprime crowd.

Brave, founded by JavaScript creator and former Mozilla CEO Brendan Eich, intends to issue a cryptocurrency to fund the development of a new way to buy and view digital ads.

The Justice Department believes that Pyongyang was behind last year's New York Fed heist; Marcus Schenck, DB's CFO and deputy CEO, may be next in line to head the big German bank.

Malicious hackers tend to swarm around industries they perceive as vulnerable, and terminal makers are the latest to find themselves in the crosshairs.

As connected devices expand in use and add payment capabilities, retailers and technology companies will need to move fast to stay safe and ahead of the curve.

VA Desert Pacific FCU and East Idaho CU select outsourced delivery model of Episys core processing platform.