Opinions

The agency should consider exempting some registered cryptocurrency exchanges from state money transmission laws.

Options include multilayered security solutions that incorporate verification via passive biometrics, without adding friction, by evaluating a consumer’s inherent behavior online during the transaction process, writes NuData Security's Lisa Baergen.

Employees still fall for phishing attacks, but there is technology that can remove the offending code before employees even view emails, writes Aviv Grafi, CEO of Votiro.

The cryptocurrency and blockchain related failure rate is comparable to other technology startup categories and manageable with the right due diligence, writes Cahill Puil, founder of the consultancy Byte Media Group.

A broad network of financial data, such as utility payments and direct deposits, could help those without established credit histories better obtain loans. It might also help lenders make more accurate underwriting predictions.

The concept of privacy is evolving in the digital age in ways that demand new attention from policymakers. As stewards of considerable personal information, banks should prepare to take part in this debate.

The technology behind how payments are being delivered is advancing quickly. Unfortunately, standards and systems aren’t evolving fast enough to keep up, writes Greg Cohen, president of Paya.

Venmo is for consumer payments, but that same simplicity can benefit corporate payments, writes Jay Dearborn, president of corporate payments at Wex.

POS payment encryption products are widely available and have been for many years, from technologies designed to secure card data from the point it is entered into the payment terminal, writes Ruston Miles, founder and chief strategy officer of Bluefin Payment Systems.

Confusion over whether certain digital currency transactions are considered securities is shutting many U.S. investors out of initial coin offerings and spurring illegal behavior.