Why The Current Approach To Digital Banking Is Unsustainable

The promise of lower fixed costs and better efficiency ratios that heralded the introduction of online banking was based on the belief that the Internet could be used to create a self-service environment that would... Read More

BBVA, Dwolla Digital Innovators That "Get It"

This past week, many industry news outlets reported on the new partnership between BBVA and Dwolla.  According to the news release issued by BBVA, the agreement means that the bank’s customers will be able to use the... Read More

The Balkanization of Payments

Balkanization is a pejorative, geopolitical term, typically used to describe the process of fragmentation or division of a region or state into smaller regions or states that are often hostile or non-cooperative with... Read More