PayThink

Banks are beginning to engage with decentralized financial infrastructure. But until lawmakers create a foundation for allowing legally recognized entities like LLCs and nonprofits to govern these networks, compliance burdens will hinder full adoption.

The former chief national bank examiner for the Office of the Comptroller of the Currency sees welcome changes in the structure of federal banking supervision, but warns against the dangers of complacency.

The chief advocacy officer of the Defense Credit Union Council takes issue with the argument that a proposed increase to federal deposit insurance limits would be a "gift" to the credit union industry.

Fintechs are wrong to demand wholesale consolidation of community banks in the U.S. Real innovation doesn't stem from wiping out smaller institutions or forcing consolidation. Innovation comes from fair competition, secure data protocols, and clear rules that apply equally to banks and fintechs of all sizes.

It is long past time to revisit the regulatory regime implementing the Bank Secrecy Act. In a good sign, key elements of the Trump administration seem to be in alignment on reform.

Once artificial intelligence has eliminated all the human-driven volatility from financial markets, will there even be a reason to trade anymore?

Federal regulators' plan to dial back supervision of community banks is coming at a dangerous time. Rising climate risk creates unique vulnerabilities for small banks that regulators should be tracking.

Passkey technology offers a superior method of authenticating customer identification, both in terms of convenience and security. It's time for banks to finally make the transition.

Two former chairmen of the Independent Community Bankers of America take issue with the trade group's decision to support legislation that would dramatically increase federal deposit insurance levels.

As AI makes financial scams more and more convincing, banks would do customers a real service by allowing them to opt in to dual approval of transactions above certain dollar limits.