Developed Markets
Why are U.S. banks slow to adopt features long used abroad, such as chip-and-PIN cards, pay-at-table systems, and easy free transfers between customers?
Jul 9, 2014
Domestic Payment Rails, National Switches and Clearing Systems
Why are U.S. banks so slow to roll out hardware security tokens (one-time code devices) for login authentication?
Jul 5, 2014
Cybersecurity, Digital Identity and Authentication
Why are money transmitters in the U.S. often treated harshly or cautiously by financial institutions?
Jul 4, 2014
Sponsor Banks, FBO Accounts and Banking Access for Fintechs and MSBs
For a non-U.S. resident with a U.S. LLC, is it better to open a business bank account in the U.S. or Europe?
Jul 2, 2014
Opening Bank Accounts, Personal and Business
Which U.S. banks, if any, accept or use digital currencies like Bitcoin?
Jun 12, 2014
Crypto Payments, On-Ramps and Off-Ramps
Why is there no seamless, unified money-transfer method between Canada and the U.S.?
Jun 8, 2014
Payment Corridors and Remittance Economics
Does Mint.com support Bank of America accounts, and why or why not?
Jun 4, 2014
Open Banking and Account Aggregation
What electronic payment options are available for businesses in Canada?
May 6, 2014
Domestic Payment Rails, National Switches and Clearing Systems
Demographics: What is the typical average income in developed nations?
Apr 10, 2014
General Finance Questions
Why do U.S. banks ask customers to explain why they are withdrawing funds?
Apr 1, 2014
AML Programs, KYC and Compliance Operations
Given today’s instant digital world, why can’t online bank payments be credited to the recipient immediately, and why do legacy rules still apply?
Mar 12, 2014
Domestic Payment Rails, National Switches and Clearing Systems
How do Swiss banks handle and use the funds deposited by their clients?
Mar 11, 2014
How Banks Work
What steps are needed to establish a bank in the United Kingdom?
Mar 10, 2014
UK and EU Licensing, EMIs and Payment Institutions
Which U.S. banks permit opening an account without in-person branch visits?
Mar 8, 2014
Opening Bank Accounts, Personal and Business
Has anyone found a fully online-only bank that caters specifically to small and medium enterprises (SMEs)?
Mar 4, 2014
Digital Banks, Neobanks and Mobile Banking
Why is U.S. commercial banking technology seemingly a decade behind that of other countries I’ve lived in?
Mar 2, 2014
Banking and Payments Technology Stack
Why is there no M-Pesa-style mobile money system in Europe despite its success in some African nations?
Feb 12, 2014
Digital Wallets, Mobile Money and P2P Payments
How can I incorporate EFT functionality into my website?
Feb 9, 2014
Domestic Payment Rails, National Switches and Clearing Systems
Are we considered a money services business if we issue branded prepaid cards usable only within a specific shopping mall (in most states)?
Feb 6, 2014
US Money Transmitter Licensing and MSB Registration
Which payment gateways are recommended for accepting online payments from U.S. customers?
Feb 6, 2014
Merchant Accounts, Processors and Gateways
Is there a U.S. bank or credit union that lets customers set automatic ACH limits for specific counterparties?
Feb 6, 2014
Domestic Payment Rails, National Switches and Clearing Systems
What taxes apply to international money transfers for a UK-based company?
Feb 3, 2014
Tax and Financial Reporting
Why does sending money from a U.S. bank to a European bank take so long?
Jan 10, 2014
International Wire Transfers and Large Transfers
What is a reliable online bank in the U.S. that also works well internationally, aside from HSBC?
Jan 8, 2014
Personal and Consumer Finance, Budgeting and Saving
Which faster payment infrastructure did U.K. banks adopt to enable instant transactions?
Jan 7, 2014
Domestic Payment Rails, National Switches and Clearing Systems
Do European banks provide real-time, instant money transfers?
Jan 3, 2014
Sending and Receiving Money Abroad
How long are US banks required to retain customer account history for legal purposes?
Jan 2, 2014
AML Programs, KYC and Compliance Operations
Are U.S. financial institutions restricted to issuing only stored-value cards?
Jan 1, 2014
US Money Transmitter Licensing and MSB Registration
Can I open a U.S. bank account if I am about to relocate there for work?
Dec 12, 2013
Opening Bank Accounts, Personal and Business
How can I move money instantly from one U.S. bank to another U.S. bank?
Dec 12, 2013
Domestic Payment Rails, National Switches and Clearing Systems
Why did the U.S. Federal Reserve speak positively about Bitcoin and digital currencies when they might threaten traditional banking?
Dec 2, 2013
Regulators, Enforcement and Regulatory Change
Which PayPal alternatives are available for personal payments in the U.S.?
Nov 1, 2013
Digital Wallets, Mobile Money and P2P Payments
What PayPal alternatives exist for personal peer-to-peer payments in the US?
Nov 1, 2013
Digital Wallets, Mobile Money and P2P Payments
As an Australian living in Australia, how can I open a U.S. bank account without traveling there, or open any other international account?
Oct 11, 2013
Opening Bank Accounts, Personal and Business
Do money-transmission laws apply to gift-giving businesses that distribute cash gifts?
Sep 8, 2013
US Money Transmitter Licensing and MSB Registration
Will the $100M MoneyGram penalty encourage the payments industry to treat AML compliance more seriously?
Aug 11, 2013
Regulators, Enforcement and Regulatory Change
How does an app enable transfers between two different bank accounts?
Aug 11, 2013
Domestic Payment Rails, National Switches and Clearing Systems
Which online payment solution is suitable for collecting personal-fundraiser donations in Singapore while remaining legally compliant?
Aug 7, 2013
Alternative Finance and Crowdfunding
What are the initial steps required to start a business in the United States?
Jul 11, 2013
Law, Contracts, Terms of Service and Legal Structures
How do I send money from my U.S. bank account to another person’s bank account overseas?
Jul 5, 2013
International Wire Transfers and Large Transfers
How can a startup in the U.S. accept credit card payments without a Social Security number or credit history?
Jul 5, 2013
Merchant Accounts, Processors and Gateways
How can I transfer money from my US bank account to someone else’s bank account in another country?
Jul 5, 2013
International Wire Transfers and Large Transfers
How can a startup accept credit cards in the US without an SSN or credit history?
Jul 5, 2013
Merchant Accounts, Processors and Gateways
Which U.S. banks offer free incoming international wires and have their own SWIFT code?
Jul 2, 2013
International Wire Transfers and Large Transfers
Are there US banks that offer free incoming international wires and maintain their own SWIFT codes?
Jul 2, 2013
International Wire Transfers and Large Transfers
Could electronic checking cause credit cards to lose market share?
Jun 12, 2013
Card Networks and Card Issuing
What online payment solutions work best for a U.S. startup with low volume and small transactions?
Jun 11, 2013
Developer Tools, APIs, Sandboxes and Open Source
How can someone break into the Money Service Business—especially for business payments between developed and developing nations?
Jun 7, 2013
Money Transfer Business and MTOs
What are the main issues with the U.S. Money Service Business model?
Jun 4, 2013
US Money Transmitter Licensing and MSB Registration
Online Payments: What is the typical chargeback rate for U.S. merchants?
May 7, 2013
Credit, Debit and Prepaid Cards