PayThink

The future of bitcoin isn't a winner-takes-all scenario where it either replaces the existing financial system or fails entirely. Instead, it's evolving into a multifaceted financial technology.

Vulnerabilities related to environmental, social and governance issues have become a serious threat vector when it comes to money laundering. Banks must recognize the danger and adapt their systems accordingly.

With Securities and Exchange Commission Chair Gary Gensler preparing to step down, the CEO of Unicoin, which is being sued by the agency, expresses hope for more acceptance of cryptocurrencies by the incoming Trump administration.

As the new year begins, managers across the industry will be setting new goals for their branch bankers. They'll find more engagement and success if they clearly articulate the thinking behind the goal setting.

Countries around the world have lots of incentives to build an alternative to the U.S.-centric global payments system using central bank digital currencies. The U.S. must get in the game or see its economic might begin to wane.

The president-elect's history of deregulatory financial services policies could offer some benefits to minority businesses and consumers, but the more likely outcome is reduced access to capital and higher costs.

With transparency, security and reliability embedded at its core, a blockchain is not merely a way to enhance existing systems — it represents a model for what banking should aspire to be.

New tools, new partnerships and a new focus on combating increasingly complex fraud schemes will take center stage in the new year. This could be a turning point in a long-running battle.

Banks can and should play a key role in giving members of minority groups and other underserved communities the tools they need to navigate an increasingly complicated financial landscape.

The U.S. is risking the status of the dollar as the world's reserve currency by delaying the launch of a central bank digital currency. Adopting a "federated" version of a CBDC could answer the concerns of many skeptics.