Opinions

Detecting virtual bad actors means paying more careful attention to the digital interactions and touch points within your business, and how users interact with you through apps, websites or customer service centers, writes Accertify's Andrew Mortland.

MFA stops broad attacks, but more targeted hacks can still get through, says KnowBe4's Roger Grimes.

Cybercriminals have become extremely adept at crafting emails that are indistinguishable from legitimate emails, says Valimail's Peter Goldstein.

The Federal Reserve’s FedNow instant payments system will dramatically speed up payment processing, essentially allowing people and businesses to receive money in their accounts within seconds of a transaction, says the Retail Industry Leaders Association's Austen Jensen.

Any entity questioning Libra runs up against the longstanding legal precedent set by private label gift and GPR, and myriad other prepaid account offerings, says payments consultant and researcher Richard Crone.

Companies like Stripe provide a needed source of capital, but should expand lending beyond their existing base, says Become's Eden Amirav.

Companies should push advanced ID, but passwords and their fallout will be here for a while, says Sift's Kevin Lee.

Visits and conversion rates are important, but it’s also important to monitor what happens between the moment someone enters your website and the moment they decide to make a purchase, says Robin Reodica, product management executive at Bank of America Merchant Services.

Banks and merchants can already access solutions that can provide a real-time experience and process payments on the best set of rails for any particular use case, says BillGo's Kelly Seidl.

Demand for a user-friendly way to shop and pay for tailored products requires action from those that want to stay ahead of the digital curve, says KBMax's Kris Goldhair.