Opinions

With big banks investing heavily in IT, credit unions will have to be nimble and streamlined if they hope to compete.

Over time, real-time payments could become the predominant payment type while virtually eliminating cash and checks.

Vetting transactions has become complicated as merchants try to juggle user experience and risk. Tokenization can remove some of that complexity, argues Andre Stoorvogel, a director at Rambus.

Retailers can control traffic flow and simplify payments and checkout, writes Scott Reese, chief technology officer at Harbor Retail.

Pursuing collection payments can often be delicate, but there is emerging technology that can take the sting out of that, according to Fico's Tim VanTassel, a vice president at FICO.

From improving call center operations to advancements in voice banking and more, distributed ledger technology has the potential to radically improve data security.

When it comes to digital-native shoppers, it’s more than just understanding how their expectations have changed. These expectations are tied to emotional factors that influence buyer behavior, says Michael Rouse, chief commercial officer at Klarna.

After criticizing the prevalence of social sign-in buttons on the internet, Craig Federighi, Apple's senior vice president of software engineering, unveiled one of his company's own. It's essentially Apple Pay without the payments.

Open banking or connections to payment apps and fintechs helps financial institutions meet these customer needs in a number of ways that can help them build that customer relationship, writes Maria Allen, global head of financial services for Unisys.

Companies must be more prepared to defend user data from malicious outsiders, or suffer the consequences of lawsuits, sanctions from data privacy laws, decreased user trust, tarnished brand reputation, damaged investor relations and more, writes Ben Goodman, vice president of global strategy and innovation at ForgeRock.