Opinions

It should offer some form of guidance to spur innovation, a former official with the bureau says.

To lay the groundwork for future success, retailers need to create a digital currency strategy. Most retailers and online brands are aware they need a digital currency plan but don't know where to start the process, says cryptocurrency lawyer Felix Shipkevich.

Large tech companies have been driving home the message that they can help the many Americans who struggle financially. But there are good reasons to be skeptical of their intentions.

It's time to establish a fintech commission.

The more things change in small-business lending, the more they stay the same, going back as far as 3,000 years. But in this book excerpt, Karen Mills, former head of the Small Business Administration, predicts momentous changes ahead.

AI can be utilized for back-office efficiencies like conducting compliance tasks and automating manual, paper-based processes. This redirects resources and human capital in a way that is likely to increase productivity, says Episode Six's John Mitchell.

Revenue growth, especially at scale, is never an accident, and requires a different approach to payments management, says Chargebee's Krish Subramanian.

Banks and smaller businesses are simply not ready, says SmartTrade App's Kent Vorland.

Consumers needed payment platforms that could handle internet payments, and startups quickly filled the void, says Chief Outsiders' Mark Coronna.

Consumer identities are becoming increasingly digital and more prone to privacy risks. Lawmakers cannot sit idle.