John Adams

Older consumers like chip cards better than young people, mostly based on a generational divide over security and speed rather than a predisposition to adopt new technology.

While the current phase of the U.S. chip card migration is still far from the finish line, attention is turning to the 'next' EMV migration at gas stations, which figures to be just as challenging.

Discover's new consumer credit information product provides FICO scores and a summary of the data that determines that score.

Discover's new consumer credit information product provides FICO scores and a summary of the data that determines that score.

Heartland Payment Systems has leveraged newly purchased merchant marketing company Beanstalk Data to build a restaurant analysis service.

Paul Fiore's path from online banking vendor Digital Insight to credit union mobile payment venture CU Wallet included a stop in the film business, where he saw firsthand the tricky task of bringing modern technology to a legacy industry where cooperation is in short supply.

There is merit to the 'coopetition' strategy, such as faster time to market and reduced consumer confusion. But time and again, bitter rivals such as telcos and big-box retailers try to work together only to see their efforts fall apart or vastly reduce the scope of their goals.

Financial institutions claiming exposure to Target's 2013 data breach are one step closer to collecting a $39 million settlement.

The international payments market has become an attractive target for startups looking to pry clients loose from banks by providing a way to reduce fees by routing around third parties.

Mobility's incursion into merchant services is normally treated as a threat to independent sales organizations and legacy acquirers, who will find themselves on the outside as technology-based services take over the store.