Today, less than 10% of all gift cards sold in the U.S. are digital. That could start to change, as the industry's heavy hitters break down the walls between their plastic and digital gift card operations to spur global growth.

Artificial intelligence is steadily making its way through the payments and financial services world. The technology's usefulness for fraud detection is clear, but there are other areas where AI can have an impact.

With scammers steadily improving their techniques, CO-OP Financial Services is starting to offer artificial intelligence to police transactions initiated by online, mobile and other connected devices.

Machine learning, Siri and Alexa are taking off quickly, particularly among younger consumers. Banks and payment companies need to get in the game now.

The financial services industry has been using artificial intelligence for decades in trading, and as the technology gets smarter it’s being tested more often with payments as well.

The use of artificial intelligence in capital markets is predicted to displace people all over the Street. At the same time, a few new jobs will be created.

Experts suggest AI is ready for its 'iPhone moment'—the moment when it goes from something edgy and cool to being a must-have tool.

3-D Secure has had its struggles as a standalone fraud solution, but the 15-year-old authentication system is playing a key role in a new e-commerce security product from Simility powered by artificial intelligence.

Host Brett King reports from this week's LendIt conference in New York.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

By relying heavily on where a borrower went to college, online lenders may run afoul with regulators and could be missing out on good credits.

Startups in the payday lending space say their use of artificial intelligence is allowing them to make better loans at lower rates with fewer defaults.

Chinese financial-technology investments this year may exceed 2016’s record $10 billion as companies continue to raise funds for expansion and big banks grow their digital services, according to Accenture Plc.

Much like how Amazon went from selling books to selling cloud services, the online lenders that succeed well into the future will change how they do business, Scott Sanborn said.

The way people seek and buy music—in a store, online, or a download—is as generational as the art itself. Madrona Venture Group is staking a claim on 'buy' buttons as the next hit.

While much of artificial intelligence technology is about automating tasks, it also holds the possibility of enhancing bankers' ability to serve customers.

The credit score has evolved from one number to an array of scores, informed by analytics and increasingly enhanced with artificial intelligence.

As chat technology advances, making a purchase could be as easy as typing "Buy, Robot." Several banks and fintech companies are developing ways to advance chatbots for commerce and customer service.

The services that Kasisto, Personetics, North Side and Teller offer banks to automate interactions vary in their levels of personality and the workload they can handle.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.