PayThink

There is conclusive evidence that stablecoin adoption does not lead to deposit runoff at community banks. This should give bankers the confidence to grow their businesses by offering stablecoin-related services.

Noelle Acheson points out that central bank digital currencies are neither the threat nor the solution many seem to think. What matters is how the technology is applied.

The arguments banking trade groups are raising against granting charters to digital asset firms are the same scare tactics they used against money market funds, online brokers and fintech lenders.

As state-level regulators rush in to fill the gap left by a shrinking Consumer Financial Protection Bureau, bank products will have to comply with dozens of potentially conflicting state requirements.

Rent-seeking banks looking to profit from their monopoly on access to customer data can't be allowed to stymie the development of open banking in the U.S.

When banks proactively adapt to climate and societal trends, modernize infrastructure and weave environmental, social and governance priorities into decision-making, they enhance resilience and unlock new growth.

The era of borrowers being able to shift assets into subsidiaries outside the reach of creditors is ending, as AI enables lenders to identify and preemptively block such strategies.

Community development financial institutions have a long history of providing vital economic lifelines to communities across the country. Credit unions have always been an important part of that story.

Noelle Acheson points out that, while banks are unlikely to issue stablecoins, the related businesses they are likely to end up offering could set the stage for a transformation of their relationship with their clients.

The leader of a major credit union trade group takes issue with a recent BankThink article questioning credit unions' ability to operate as federally recognized Community Development Financial Institutions.