Opinions

To thrive in the new age of real-time payments, banks must invest in a continuous operating model that integrates payments, treasury and working capital into a seamless ecosystem.

As stablecoins and other cryptocurrencies enter the mainstream, lawmakers in Illinois have imposed a new transaction tax on digital assets. It will raise costs for everyday consumers and drive away businesses.

As AI agents become more of a presence in retail commerce, payments processors and merchants alike are going to have to adjust to a new world where purchasing decisions are made at machine-speed.

There is a tendency among many sales managers to tightly script sales interactions. But if you attempt to take all reasoning and thinking out of a job, you'll get employees who stop reasoning or thinking.

Foreign investors are gobbling up tokenized U.S. equities while domestic investors remain unable to take advantage of the opportunities such assets offer. U.S. policymakers need to level the playing field.

Proposed rules for implementing the GENIUS Act demand close examination. While regulators' intentions are admirable, some of their suggestions threaten to create the very problems they are meant to resolve.

Congress needs to tread carefully as it creates new rules for stablecoins. Some of the proposals currently on the table could lead to a disruptive restructuring of financial services in the U.S.

As banks have adopted multifactor customer authentication systems, they have inadvertently made it more difficult for many disabled customers to access their accounts. The fix is less complicated than it appears.

Regulators have signaled that the speed of progress in generative and agentic artificial intelligence makes producing definitive guidance impractical. That does not remove banks' obligation to face up to their risks.

Tokenization of assets is going to transform global finance, but by dragging their heels on establishing clear rules of the road, U.S. regulators could be pushing the development of key infrastructure overseas.