John Adams

It's embedding imperceptible digital watermarks in reports that can be scanned to open videos and more.

Easier login and integration of a Bill.com cash management dashboard with online banking is designed to lighten the online cash management learning curve for businesses that may be on the fence.

From social media analytics to cloud computing to context-aware computing to novel means of building applications, this year's financial services innovators trying out new ideas.

Banks are finding that payments technology is the best way to reach small business clients, a segment that traditionally has been undersaved.

Banks want to avoid the cost and time needed for full core replacements. But new products like mobile beckon, leading to some creative solutions toward the challenge of modernization.

Dean Ilijasic weighs the content and timing of new mobile and tablet apps as the bank tries to tap small business and mass affluent consumers.

Chirpify, which allows PayPal transfers via Twitter and counts a hip hop record label among its clients, is attracting tech investors and touting a social media-friendly payments model that's showing promise.

The alternative lender's new decisioning engine runs multiple models to bring its short-term loans to a larger market. It's also planning to operate in more states, a tough task for online lenders looking to navigate varied state laws.

IT exec Saul van Beurden discusses how the bank is adhering to emerging service oriented architecture standards, a move it hopes will also help it deploy new products quickly.

The tech firm's personal financial management tools and Central 1's digital banking products will be made available to more than 300 financial services providers in Canada.

The software provider offers an online "funnel" for small companies' payment activities.

Noting that younger customers are not PC-centric, the Pennsylvania bank is linking its new mobile banking program to its core banking platform rather than online banking — a move that it hopes will increase flexibility and extend the mobile user base.

Research from Javelin suggests tablet users are interested in obtaining information, customer service help and social media promotions on their devices.

Information about vulnerabilities should be shared after they’ve been fixed, not before, companies say.

Hawaiian bank says a newly installed, flexible core processing system will let it accelerate its embrace of mobile banking and other channel enhancements.

Celent says the purse strings are loosening, but the big growth is in emerging markets. In mature markets like the U.S., projects are still on hold in favor of incremental upgrades to enable needs like compliance and mobility.

Managing Director Vienick outlines new apps for mobile and tablets, and discusses the vital link between its investment activities and BofA's banking apps.

First State Bank's site caters to local tastes, including links to tourist attractions and images such as a Manatee with money in its mouth. The redesign will be extended to mobile banking.

Anti-money laundering rules are getting tighter in New Zealand (as well as the U.S.), and suspicious activity is getting harder to spot as mobile banking use increases. Bank of New Zealand has embarked on a new tech initiative to improve its ability to flag trouble and adhere to new regs

Rumors that the core banking provider is for sale are exaggerated, CEO Hernandez says. Options such as new investors are on the table as the company looks to restructure its balance sheet and expand its business, which includes an Apple-like app store that's proven popular with smaller banks and credit unions.