Opinions

Online banking and self-service options for customers free branch workers to focus on business development. Employees will need to step up to the challenge or they'll be left out.

By using one anonymous, streamlined platform, it is easy to conduct B2B commerce anywhere while keeping transactions digital, allowing both parties to connect without leading to fragmentation within the market, writes Derek Wall, founder, CEO and CTO of HUBX.

Government officials must address the policy questions raised by the use of artificial intelligence in credit decisions.

Apple Card's advantages are mostly available elsewhere, but Apple's marketing prowess will make it a formidable competitor, according to Jonathan Ebinger, a general partner at Blue Run Ventures.

Failure to recognize the importance of artificial intelligence, mobile banking and other evolving technology would be a serious misstep.

Digital payments can make payroll for workers in industries like cruise ships less costly, and less dangerous than traditional cash-based methods, writes Hal Ramakers, vice president of global solutions for Brightwell.

The use of digital payments offers significant savings over check cashing. Payroll cards and public-sector prepaid cards issued for the deposit of government benefits are two of the best known examples, writes Andrew Gillen, vice president for Global Public Sector Payment Solutions for Mastercard.

Apple Card has advantages over most banks at the start, but there are things banks can do to fight back, according to Mehmet Sezgin, CEO and founder of myGini.

Generation Z is scarred by the financial crisis, but has an awareness of technology that gives payment and financial companies a point of entry, according to Mickey Goldwasser, vice president of marketing at Payrailz.

Financial institutions lack the puzzle pieces for giving their users a good customer experience within their mobile apps, leaving many dissatisfied and looking for a new solution from payment apps and fintechs, contends James Brown, CEO of Smart Communications.