Opinions

Consumers face significant risk if this highly personal information is exposed, says Mitek's Stephen Ritter.

It can be a painful process for a bank to go digital, but there are ways to ease the transition.

The first line of defense is to not pay the ransom. Then a layered approach to security and recovery plan can ward off the crooks, says Nominet's Stuart Reed.

To compete and remain relevant in 2020 and beyond, organizations must rapidly develop, test and deploy innovative new products and services in increasingly larger amounts, says Paragon Application Systems' Steve Gilde.

Open banking transactions are not initiated by a consumer but are coming from another financial services company. This could make some fraud detection models in place today obsolete.

Given the financial health and outlook for many retailers, their ability to get the digital experience right could be the difference between operating in 2021, or joining the growing list of retail bankruptcies, says Applause's Kristin Simonini.

For most companies, no role within accounts payable focuses solely on handling errors, enablement, fielding phone calls, or escheatment, says Nvoicepay's Kristin Cardinali.

Drones and autonomous vehicles are making progress, but there's still expense and logistical hurdles to work out, says Roadie's Marc Gorlin.

The National Credit Union's ACET tool will have a big impact on the industry, but passing the exam with flying colors could be a challenge for smaller shops.

While Google can certainly be trusted to create an engaging mobile interface, trust in banking goes deeper than a good digital experience, says myGini's Mehmet Sezgin.