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Fourth Quarter 2018

The Future of Payments

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November 25, 2018

RTP at 1

In the year since the late 2017 launch of the RTP network, the real-time payments platform from The Clearing House, the banking industry has made remarkable progress toward reaching faster… Continue Reading

Payments

November 25, 2018

The RTP Network Turns 1: TCH’s Commitment to Faster Payments

Jim Aramanda, The Clearing House

November marks a year since The Clearing House (TCH) processed the country’s first payment to clear and settle in real time, a step that represents a major leap forward for… Continue Reading

Payments

November 25, 2018

Speed and Information: The Future of Payments

TCH Staff

Historians may look back at 2018 as a pivot point for the U.S. banking system. Just a decade after the nadir of the 2008 financial crisis, this year will likely… Continue Reading

Cryptocurrency, Open Banking, Payments

November 25, 2018

SunTrust CEO Bill Rogers Discusses Role Banks Play in the U.S. Economy

By Jim Aramanda, The Clearing House

Jim Aramanda, TCH: Bill, thank you for joining me. Give me your top-line thoughts about the banking industry today. Bill Rogers, SunTrust: Thanks, Jim. Banks have never been better positioned… Continue Reading

Bank Governance, Payments, Supervision and Enforcement

November 25, 2018

A Matter of Trust

By Peter Davey, The Clearing House

We invite all participants in the financial services ecosystem – including FinTechs, data aggregator intermediaries, financial institutions, regulators, consumer associations, and bank associations – to take part.      … Continue Reading

Open Banking

November 25, 2018

Tokenization Secures Mobile Payments

By Gavin Michael, Citi

CITI HAS BEEN on a decade-long journey toward becoming an always-on financial partner in our customers’ day-to-day lives. As a company, we’re positioned to show up where our customers want… Continue Reading

Cybersecurity, Payments

November 25, 2018

Crypto-Assets: What Are They and Why Do We Care?

By Oliver Ireland and Susan Gault-Brown, Morrison & Foerster

The migration of assets – from land, commodities, and specie through paper records to electronic records – has been driven in large part by a desire to reduce transaction costs… Continue Reading

Cryptocurrency, Payments

November 25, 2018

Tokens and the Travel Rule

By Alaina Gimbert and Stephanie Heller, The Clearing House

One of the greatest challenges we face today in our high-tech, interconnected world is protecting sensitive data from sophisticated cybercriminals and nation-states. Of course, the best way to protect this… Continue Reading

AML/CFT, Bank Secrecy Act and Sanctions, Cybersecurity

November 25, 2018

Unintended Consequences?

By Thomas C. Baxter, Jr., Sullivan & Cromwell

Alaina Gimbert and Rob Hunter wrote an excellent piece in Banking Perspectives earlier this year about how fraud in the Central Bank of Bangladesh affects SWIFT’s recent Customer Security Programme… Continue Reading

AML/CFT, Bank Secrecy Act and Sanctions, Cybersecurity

November 25, 2018

Should Non-Bank Payment Firms Be Eligible to Open Federal Reserve Bank Accounts

By Barak J. Sanford and Daniel Bufithis-Hurie, Promontory Financial Group, an IBM Company

NON-BANK PAYMENT FIRMS play an important and highly visible role in the rapidly changing modern payment ecosystem. However, almost without exception, these firms are unable to participate directly in U.S…. Continue Reading

Bank Capital and Stress Testing, Bank Governance

November 25, 2018

Bank Conditions Index Q2 2018

BPI Research

The Bank Conditions Index (BCI), which provides a summary measure of the condition of the U.S. banking system, rose in the second quarter of 2018, as shown in Exhibit 1…. Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

November 25, 2018

Strengthening and Streamlining Bank Capital Regulation

By Jeremy C. Stein, Harvard University, and Robin Greenwood, Samuel Hanson, and Adi Sunderam, Harvard Business School

EDITOR’S NOTE: This article is excerpted from a paper of the same title, published in Brookings Papers on Economic Activity in Sept. 2017. IN THE WAKE of the global financial… Continue Reading

Bank Capital and Stress Testing

November 25, 2018

Billing Technology: The Next Generation

By Bill Morrison and Lisa Gawlak, Transactis

The Clearing House’s RTP (Real-Time Payments) network will propel faster payments and bring in the next generation of billing technology. As a provider of integrated electronic billing and payment solutions,… Continue Reading

Fintech, Payments

November 25, 2018

RTP: An Opportunity to Show Leadership

By Andrew W. Kirk, Trion Solutions, Inc.

THE PROSPECT OF RTP (Real-Time Payments), with near-instantaneous execution of interbank payments, is no longer the financial industry’s best-kept secret. No longer will anyone have to wait for funds to… Continue Reading

Payments

November 25, 2018

RTP Closes Payment Gaps

By Carrie Reyna, Sysco

THE INTRODUCTION OF REAL-TIME payments will assist organizations in closing some current gaps. Present electronic payments with strict cutoff times for processing and uncertainty over the exact timing of payment… Continue Reading

Payments

November 25, 2018

Why RTP Matters

By Keith Riddle, Corporate One

AS THE CLEARING HOUSE’S RTP (Real-Time Payments) platform rolls out across the United States, the conversations within the market have shifted beyond the technical mechanics of messaging, speed of payment,… Continue Reading

Payments

November 25, 2018

RTP: This Train Is on the Track

By Jeff Plagge, Northwest Financial Corp.

EVER SINCE THE FEDERAL RESERVE convened its Faster Payments Task Force in 2015, we’ve been hearing a louder and louder drumbeat about the need for faster or real-time payments. As… Continue Reading

Payments

November 25, 2018

Real-Time Payments: An Investment in the Future

By Alberto Casas, Citi

THE PROMISE OF REAL-TIME PAYMENTS is tantalizing for corporates and banks alike. Seamless, immediate, and frictionless client experiences, improved treasury efficiency, and the potential for reduced fraud exposure are among… Continue Reading

Payments

November 25, 2018

It’s Time Your Payments Caught Up to the Way You Do Business: In Real Time

By Sue McBride, BB&T

RTP (REAL-TIME PAYMENTS) from The Clearing House is the most significant digital transformation in payments in more than 40 years. RTP capabilities are the first step to digital transformation across… Continue Reading

Payments

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