Opinions

As more national banks leave smaller communities and focus on large customers, fintechs are creating an "Uber effect" with an easier experience. Small businesses are increasingly looking to borrow money and fund their growth initiatives, and need a partner who can deliver, argues William Phelan, president of PayNet.

With its expanded capacity and reliability, 5G will drive innovation in mobile, online and branch services for credit unions.

Users don’t have all the tools they need to ensure the security of their mobile devices, so it’s all the more important for providers of mobile financial services to help users by hardening mobile apps with technology, writes Samuel Bakken, senior product manager at OneSpan.

The scope of customer experience spans multiple products and services that comprise the merchant technology and payment service ecosystems, according to Paul Perry, a contributor for the technology company Relay.

Before we can advertise the security benefits of digital wallets, we have to address their vulnerabilities, writes Jared McClure, co-founder and COO of CrayPay.

Attracting surprisingly technology-savvy older consumers is a lucrative—and surprisingly easy—goal for online retailers, as long as payments fraud protection is solid and understantable, argues Monica Eaton-Cardone, co-founder and CEO of Chargebacks911.

Google's ambitious new gaming platform, Stadia, could fundamentally change the way people make purchases online, according to Daniel Wolfe, editor in chief of PaymentsSource.

AI can help reduce risk, make more loans and find ideal members for credit unions.

As competitive pressures mount for midsize banks, more institutions are likely to follow the lead of BB&T-SunTrust and amass more resources for investing in AI, digital platforms and other cutting-edge technologies.

An initiative by Visa and Lloyds doesn't go far enough and is counterintuitive to the card network's move to reduce cash, argues Mark Horwedel, a strategic consultant to CMSPI.