Opinions

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.

Congress should get behind the Fed's effort to launch a real-time payments service instead of getting in its way.

Regulators globally are using "tech sprints" to test new anti-money-laundering solutions. More can be done, but it's a good start.

Facebook’s cryptocurrency would not help underserved communities, despite the claims of its CEO, who is slated to appear before Congress this week.

It's time to establish a fintech commission.