Opinions

Most merchant processors’ current point of sale software allows you to send the credit card information once and you capture a token versus the actual credit card number, writes Michael Lewis, CIO of Copper State Communications.

Regulations around ICOs are still murky, but issuers should still practice solid compliance and due diligence, writes Gordon Harrison, an ICO expert at Jumio.

In a world where consumers are tuning out TV ads easier than ever before with streaming services like Netflix, the e-commerce giant is giving advertisers a new platform to be in front of millions of people who like to shop, writes Tom Caporaso, CEO of Clarus Commerce.

Voice-based payments are part of the "instant gratification" consumers will expect from payment and financial services companies, writes Hicham Tahiri, a Paris-based fintech entrepreneur.

Digital payment brands like Venmo are achieving scale quickly by recognizing that no one wakes up thinking they need to make a transaction. They really focus more on what they have to pay for, according to CO-OP Financial Services' Shazia Manus.

Even though they do not face the immediate prospect of regulation requiring an open-banking policy, American banks should act as if they do.

Reform of the Community Reinvestment Act should seek to establish a minimum standard for the volume of CRA activities a bank must complete in its assessment area.

Neither the acquirer processing the payment, nor relevant regulatory bodies ever know that these payments are actually for illicit goods, making transaction laundering particularly dangerous and far-reaching, writes Ron Teicher, CEO of EverCompliant.

A recent CU Journal article misses a crucial point about credit unions and distributed-ledger technology.

With the wide-scale adoption of mobile phones, and the use of NFC and QR codes for payments, the card brands most likely see a threat to their business model and, in a defensive move against potential disruptors, are wisely embracing the spirit of mobile, writes Jeremy Gumbley, CTO at Creditcall.