Main Content


  • Regulating Bitcoin: Practical Approaches for Virtual Currencies

    Duncan Douglass, and Lauren Giles

    Although their consumer adoption has increased, virtual currencies are unlikely to become mainstream payment products unless the risks associated with them are addressed. Current approaches to regulation of other alternative payment products can serve as a useful model for mitigating these risks and consequently accelerate adoption.

  • Mobile Payments: Ready for Primetime

    Dave Fortney

    Recent developments like Apple Pay indicate that consumers and merchants are ready to shift from plastic to mobile. However, adoption at scale will necessitate that a mobile wallet solution be able to balance customer and merchant value propositions and simultaneously gain support from incumbent stakeholders. By focusing their investments on long-term safety and soundness solutions, banks will play an instrumental role in ensuring mobile payments adoption.
  • Heroes, Villains, and Victims: Understanding and Managing Reputational Risk

    Daniel Diermeirer

    In a business climate with increasing informational transparency, supply chain complexity, and public expectations for corporate performance, trust is now an essential part of business success. Banks need to acknowledge the strategic importance of reputational decisions and develop capabilities to execute these decisions in a manner that supports their broader business objectives.
  • For the Record

    Paul Saltzman

    TCH Association President Paul Saltzman contextualizes recent developments in emerging payments technology and discusses the importance of a strong risk culture.

  • The Evolving Governance Model for Cybersecurity Risk

    Gary Owen

    As cybersecurity risks for banks become increasingly acute, it is critical that banks pursue a new cross-disciplinary governance model for information and cybersecurity risk that addresses these emerging threats. The common element for banking organizations of all sizes, including regional banks, is that they should manage cybersecurity risk in a manner that suits their unique risk profile.