North America
Why does the U.S. have so many banks compared to many Asian countries dominated by a few large banks?
Jul 10, 2015
Central Banks and Bank Supervision
What monthly income would I need to comfortably buy a $5 coffee daily in the U.S.?
Jul 3, 2015
Personal and Consumer Finance, Budgeting and Saving
What revenue layers exist between a U.S. institution holding an MSB license and the end customer?
Jul 2, 2015
US Money Transmitter Licensing and MSB Registration
How can someone start a business that provides payment processing like Stripe, WePay, or Square?
Jul 1, 2015
Starting and Running a Fintech or Payments Business
What does a domestic wire transfer actually cost a bank to execute behind the scenes?
Jun 12, 2015
Domestic Payment Rails, National Switches and Clearing Systems
If I run an online service connecting the U.S. with Africa, do I need a separate money-transmitter license in each U.S. state?
Jun 8, 2015
US Money Transmitter Licensing and MSB Registration
What makes an ACH account number unique in the United States?
Jun 5, 2015
Domestic Payment Rails, National Switches and Clearing Systems
Legal (U.S.): After the Liberty Reserve arrests, how did their violations differ from the accusations made against HSBC?
Jun 5, 2015
Regulators, Enforcement and Regulatory Change
What is the best way to carry money when traveling to the United States?
Jun 1, 2015
Payments (General)
How are very large sums held and moved within the United States?
May 12, 2015
Domestic Payment Rails, National Switches and Clearing Systems
Do U.S. companies use web-based electronic checks, and which payment gateways support them?
May 7, 2015
Merchant Accounts, Processors and Gateways
Online Banking: What’s a good way to programmatically create virtual savings “buckets” for users?
May 1, 2015
Fintech, BaaS and Embedded Finance
How long should someone wait between transferring two $10,000 amounts to the U.S. to avoid reporting issues?
Apr 8, 2015
International Wire Transfers and Large Transfers
If we charge customers’ credit cards worldwide and then wire funds to other users (minus a service fee) like Airbnb, do we need money-transfer licenses (MSB/MST) in the U.S. or Europe?
Apr 7, 2015
US Money Transmitter Licensing and MSB Registration
What systems do banks typically use to maintain and reconcile customer accounts?
Apr 7, 2015
Banking and Payments Technology Stack
What is the most effective way for an India-registered company to accept card payments from the U.S.?
Apr 1, 2015
Merchant Accounts, Processors and Gateways
In the U.S., how can a non-resident non-citizen open a bank account online?
Mar 11, 2015
Opening Bank Accounts, Personal and Business
Are paperless checks as insecure as they appear?
Mar 8, 2015
Domestic Payment Rails, National Switches and Clearing Systems
Can peer-to-peer payment platforms transfer money across state lines without obtaining money-transfer licenses?
Mar 3, 2015
US Money Transmitter Licensing and MSB Registration
How do Chinese exporters handle customs, taxes, and related costs when shipping goods to the U.S., and how much do these add to prices?
Feb 11, 2015
Trade Finance, Letters of Credit and B2B Payments
How can I buy Bitcoin while living in Canada?
Feb 11, 2015
Bitcoin and Cryptocurrency Basics
What exactly is involved in Check 21 processing services?
Feb 7, 2015
Domestic Payment Rails, National Switches and Clearing Systems
What is CoinX, and how does it differ from other companies in the space?
Jan 12, 2015
US Money Transmitter Licensing and MSB Registration
Is there an efficient way to automate making hundreds of payments to online retail customers besides PayPal?
Jan 9, 2015
Domestic Payment Rails, National Switches and Clearing Systems
What are the pros and cons of working with U.S. financial regulators?
Jan 2, 2015
Regulators, Enforcement and Regulatory Change
Why aren’t banks run as franchised businesses?
Jan 1, 2015
How Banks Work
Is it risky to share my account and routing numbers with an employer?
Jan 1, 2015
Domestic Payment Rails, National Switches and Clearing Systems
In the U.S., what regulations apply to businesses that handle, hold, and transfer customer money?
Jan 1, 2015
US Money Transmitter Licensing and MSB Registration
What risks could I face if I open a U.S. bank account on behalf of my aunt and uncle?
Dec 11, 2014
Law, Contracts, Terms of Service and Legal Structures
How would U.S. casinos operate if the U.S. became a cashless society?
Dec 8, 2014
High-Risk Industries
In the U.S., which common payment, wire, banking, card, or check problems should technology realistically eliminate within a year?
Nov 3, 2014
Domestic Payment Rails, National Switches and Clearing Systems
Since ACH and card payments can be reversed or charged back, is there any electronic payment method in the U.S. that is truly irreversible?
Oct 9, 2014
Domestic Payment Rails, National Switches and Clearing Systems
In the U.S., are credit cards essentially necessary to live a normal life compared with debit cards or cash?
Oct 8, 2014
Credit, Debit and Prepaid Cards
If we don’t hold U.S. MSB coverage across most states or an EU EMI license, which partner company is best to work with to offer a digital wallet or micropayments solution?
Oct 6, 2014
Licensing Strategy, Sponsorship and Agent Models
Why aren’t transit cards accepted for general-purpose payments?
Oct 3, 2014
US Money Transmitter Licensing and MSB Registration
What is the difference between Visa and Interac?
Sep 12, 2014
Card Networks and Card Issuing
How can a company obtain its own bank routing number and issue account numbers?
Sep 4, 2014
How Banks Work
If U.K. regulation can legitimize Bitcoin, when might the U.S. formally legitimize it as well?
Aug 11, 2014
Crypto and VASP Licensing
What are the key regulations governing mobile payments and virtual currencies?
Aug 9, 2014
US Money Transmitter Licensing and MSB Registration
Is it possible to add a plugin to U.S. e-commerce platforms like Magento so customers can pay with alternatives to PayPal and cards?
Aug 4, 2014
E-Commerce, Marketplace and Platform Payments
What are the steps required to launch a Bitcoin exchange in the United States?
Aug 1, 2014
Crypto and VASP Licensing
In the U.S., how can a non-citizen and non-resident open a bank account online?
Jul 11, 2014
Opening Bank Accounts, Personal and Business
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 is an SBN number for a business account, why is it requested to receive funds from Canada to the UAE, and is there another way to receive the money?
Jun 3, 2014
Sending and Receiving Money Abroad