John Adams

Despite the many big companies opening their programming tools to external developers and merchants, the market for user-friendly technology is just getting started.

E-commerce seems to have a better memory than brick and mortar stores, quickly scrutinizing shoppers' purchasing and browsing habits to provide recommendations and offers to keep them coming back.

Canada's national debit scheme has been a mobile trendsetter in recent years, enabling the organization to pursue agreements with other national programs that want to replicate that success.

U.S. Bank was unusual in making users pay for real time person-to-person payments on Early Warning's clearXchange, a practice it's ending as other banks start to offer free transactions on the same network.

U.S. Bank was unusual in making users pay for real time person-to-person payments on Early Warning's clearXchange, a practice it's ending as other banks start to offer free transactions on the same network.

As the banks behind Early Warning's clearXchange network start to flex its muscles, one of their important tasks will be to convince business clients it's worth it to collect funds through a process designed for person-to-person payments.

The U.K.'s referendum vote to leave the European Union has thrown cold water on London's reputation as a friendly venue for innovation in payments and other industries.

London has been a magnet for technology startups, buoyed by a favorable regulatory environment and proximity to many of the world's largest financial institutions.

The digital revolution has not been kind to independent sales organizations and others in the merchant acquiring market, which has seen its long-standing business model upended by the mobile point of sale and other new technologies.

Who is Microsoft Wallet for? With just 1.6% of the U.S. smartphone market as of January, it's unlikely that even Microsoft believes Windows Phone users are a huge untapped audience for mobile payments.