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Fourth Quarter 2017

The Road to Faster Payments

The fourth-quarter 2017 issue of Banking Perspectives focuses on the value that faster payments will bring to society, the banking industry, large and small businesses, and consumers. New technology, including TCH's Real-Time Payments (RTP) system, will enable new types of payments innovations that will benefit bank customers and it will speed the transfer of funds throughout the economy.

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December 3, 2017

Using Artificial Intelligence to Support Real-Time Payments

by Chris DeBrusk and Shriram Santhanam

The financial services industry has been leveraging artificial intelligence (AI) – specifically, machine learning (ML) – to support payments for over a decade. For example, early investments by PayPal in… Continue Reading

Fintech, Payments

December 3, 2017

Solving The Problem of B2B Payments

by Courtney Trimble

Payments have never been easier or more convenient to initiate and settle than they are today, especially on an individual basis. Payment companies, banks, and FinTechs finally are approaching the… Continue Reading

Cybersecurity, Fintech, Payments

December 3, 2017

Is Blockchain Technology Right for Banking?

by Peter Andrew Davey

Much has been written about blockchain technology during the past few years. After the initial attention that the Bitcoin crowd received, the recent increase in the price of Bitcoin, and… Continue Reading

Fintech, Payments

December 3, 2017

BNY Mellon’s Gerald Hassell Discusses the Economy, Technology, and His 44-Year Career

Gerald L. Hassell

Jim Aramanda, TCH: Let’s start off on a lighter note. As you know, Alexander Hamilton, who founded The Bank of New York 233 years ago, has been getting a lot… Continue Reading

Fintech, Payments

December 3, 2017

Consumer Data in an API-Enabled World

by Bob Hedges

Application Programming Interfaces (APIs) – long utilized within closely restricted environments by the financial services industry – provide a set of standardized procedures for data and applications to securely communicate… Continue Reading

Cybersecurity, Payments

December 3, 2017

As Real-Time Payments Rise, Payment Hubs See a Resurgence

by Rob Hayden and Liz Oakes

In the early 2000s, when global banks were re-engineering their core systems, payment hubs were seen as the future of payment infrastructure. However, the hub offerings available at the time… Continue Reading

Payments

December 3, 2017

What Is a Bank?

John Douglas

Square’s and SoFi’s applications for industrial bank charters and Varo Money’s application for a national bank charter directly bring to the forefront these lingering questions: What is a bank? Who… Continue Reading

Bank Activities and Structure, Fintech, Payments

December 3, 2017

Why RTP Matters: 5 Perspectives on the Future of Faster Payments

by Carl Slabicki, Thomas Rea, Jim A. Reuter, Charles Ellert, and Christina Tetreault

We now live in a real-time economy, one in which consumers and businesses expect instant transactions and fulfillment of orders. Businesses increasingly demand that partners deliver services on shorter schedules… Continue Reading

Payments

December 3, 2017

Why-RTP-Matters: First New Payment System in 40 Years

by Carl Slabicki

The opportunity to go to the drawing board to build something new from the ground up does not come by often in any industry. In the payments industry, it’s been… Continue Reading

Payments

December 3, 2017

Why RTP Matters: The Benefits for Consumers

by Christina Tetreault

Fundamentally, payments are pocketbook issues that affect just about all of us. Questions such as “When do I get paid?” or “When is the mortgage due?” are payments questions, because… Continue Reading

Cybersecurity, Payments

December 3, 2017

Why RTP Matters: Better Cash Flow Management

by Jim A. Reuter

The term “faster payments” has been expanded to not only describe the speed of payments but also to encompass other valuable payment features, such as ubiquity (anyone, anywhere), data extensibility… Continue Reading

Payments

December 3, 2017

Why RTP Matters: A Call to Action

by Charles Ellert

Payment systems are critical to the economic vitality and competitiveness of the United States. Consider a company the size of Verizon, an enterprise delivering services and value to virtually every… Continue Reading

Payments

October 3, 2017

Why RTP Matters: Safe, Fast, and Convenient

by Thomas Rea

We live in a real-time, always-on, always-connected world. The industry’s work to move money faster or make payments faster addresses this new normal in our culture, and that isn’t going… Continue Reading

Cybersecurity, Payments

October 1, 2017

Faster Payments: The Road to 2020

By James D. Aramanda

2020. What once seemed like a far-off and futuristic date is just around the corner. Even if 2020 doesn’t deliver on the space travel and intelligent robots promised in science… Continue Reading

Uncategorized

October 1, 2017

2017 TCH Fall Leadership Dinner

Uncategorized

October 1, 2017

Research Rundown

By TCH Research

Capital Brookings Papers on Economic Activity: Strengthening and Streamlining Bank Capital Regulation (Greenwood, Hanson, Stein & Sunderam) This paper presents three core principles that should inform bank capital regulation. First,… Continue Reading

Uncategorized

October 1, 2017

Rethinking the Basel Committee on Banking Supervision

By Greg Baer

The Basel Committee is an organization overdue for a rethinking. Its goal of consistent regulation of internationally active banks remains a worthy one, but its self-defined scope has increased dramatically post-crisis,… Continue Reading

Uncategorized

October 1, 2017

TCH Bank Conditions Index

By TCH Research

As shown in Exhibit 1, The Clearing House Bank Conditions Index (TCHBCI) decreased slightly in the second quarter of 2017 after displaying its highest level of resiliency in the first… Continue Reading

Uncategorized

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