Opinions

Digital blockchain tokens can be naked instruments for profit-sharing among investors, but other types are directly linked to building network infrastructure. Their creation and sale must be unimpeded by regulation.

Using historical patterns to predict the next financial success or crisis seems rational. But beware the human psyche’s tendency to concoct order out of randomness.

Under PSD2, banks are expected to admit all vetted comers, but how they will connect to them is up to the individual parties, writes Raz Rafaeli, CEO of Secret Double Octopus.

If everyone has a universal digital identity, the documents that identify us in the physical world will no longer be necessary, writes Michael Gorriz, group chief information officer for Standard Chartered Bank.

A "smart" token is a regular token on steroids, transmitting the information needed to authorize the transaction together, including enhanced counterpart identity, transaction and invoicing data, writes Marten Nelson, vice president and co-founder of Token.

Shopping and paying for goods with a smartphone or tablet has been a staple of modern consumerism for years, but mobile wallet adoption is just at its early stages, writes Lisa Stanton, president of InAuth.

Facebook, Twitter, YouTube, Instagram, Reddit and blogs create environments where like-minded users can connect, share opinions and cultivate a sense of camaraderie, creating an unprecedented number of distinct nano-segments, writes Steve Gilde, director of global payments for Paragon.

Digital blockchain tokens can be naked instruments for profit-sharing among investors, but other types are directly linked to building network infrastructure. Their creation and sale must be unimpeded by regulation.

A spike in income volatility has some banks working on ways to help people cope, and now the fintech think tank Y Combinator Research is planning to test a possible solution, albiet a controversial one. Have you heard of "universal basic income" yet? You probably will.

The agency’s new classification of “initial coin offerings” is yet another affront to the efforts by fledgling companies to raise funds.