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Obvious and mediocre won’t be found here—but “Why didn’t I think of that?” will! Challenging the banking status quo is Dan Fisher’s personal mission.

Puhleeze stop thinking like it’s the 50s!

Checkbooks? Seriously? No one uses them anymore
How can people tap earnings they've already accrued when payday won't come for a week or more? New alternatives have been developed.

Solving “more month than money” puzzle

There’s a business in helping consumers leave late fees and payday loans behind
Many rate-sensitive borrowers actually did better than expected after the Federal Reserve's December rate hike, but that doesn't guarantee they will also be able to dig deeper as rates continue to meander upwards.

Rate-sensitive borrowers weathered December rate hike

TransUnion warns that this doesn’t guarantee that taking on more debt is smart
What is really on the minds of consumers and small businesses? Mike Moebs has a barometer to recommend, and it's not saying the same thing that some would have you believe.

Are you watching banking’s barometer?

Consumers have been hoarding money in checking, and this should drive your strategy
Weapons Of Math Destruction: How Big Data Increases Inequality And Threatens Democracy. By Cathy O’Neil. Crown Publishing Group, 262pp.

Good risk models or “weapons of math destruction”?

Book Review: Finding the line between Big Data’s dark and light sides
Signing mandatory arbitration agreements would become a barred practice under a new CFPB rule. Opponents are calling on Congress to overturn the controversial new rule.

Arbitration rule draws brickbats and likes

Long time coming, CFPB rule to affect new consumer contracts but not existing ones
Weekend Think is where Banking Exchange contributors present viewpoint and analytical articles designed to stimulate bankers' consideration of the present and the future. This week's author Brett King was dubbed "King of the Disruptors" in our inaugural issue. For alerts to "Weekend Think" postings, follow BE on Twitter and LinkedIn.

If traditional products are going, what’s next?

"Long live experiences!" says disrupter Brett King
The U.K. is a hotbed of fintech these days, but that's not to say that all consumers there are falling over themselves to be tucked in.

Open banking no fave in U.K.

Consumer research there indicates many don’t trust fintechs
What can banks do to ensure they can serve the next generation? A new generation will take financial services into the future. In the new blog "Next Voices" a rotating group of bloggers of the younger generation will share what they are learning, thinking about, and doing. Proposals from guest bloggers are also invited. Please email scocheo@sbpub.com

6 steps to take away from extinction

Some common sense ways banks can meet modern customers’ needs
What if bank apps worked more like Fitbits and Apple Watches?

Time for a "banker on your wrist"?

Money is too important to be boring
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