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GonzoBanker Blog

A collection of observations, ruminations, predictions and random thoughts from Cornerstone Advisors

Posts about

Cards & Payments

Are Payment Hubs a Good Idea for Financial Institutions?

The banking industry has been trying to define digital transformation for the past decade. The...

The U.S. Credit Invisibility Problem

To meaningfully solve the credit invisibility challenge, fintech companies need to enable banks and...

Leave My Interchange Alone!

The Fed’s proposed change to the Durbin Amendment could mean big losses in payment card interchange...

A Shift in the Bank Vendor Landscape for Card Processing

The card processing landscape experienced significant changes in 2017, and this shift in players...

PayPal Pivots in Response to Heat from the ‘Pays’

Are mobile wallets a threat to PayPal’s online payment dominance? In the past two weeks, PayPal has...

Slow Times at Ridgemont: Three Questions About Traffic Change

Happy New Year, GonzoBankers! I can’t take credit for starting a trend when I chose to spend more...

The Payments Stress Test Somebody in the Bank Should Run

An unfortunate turn of debit card events is happening for financial institutions unregulated by the...

Managing Bank Regulations: Are You a Dodo or a Cockroach?

Remember the toy, Spirograph? You probably had one when you were a kid. If you used the Spirograph...