Opinions

Before banks replace their core systems — which are largely homogeneous in the U.S. — they should work on ways to deliver convenient and engaging digital services for each of their channels.

Cards, e-wallets and transfers are all necessary for merchants to attract younger consumers to recurring payments, writes Artem Tymoshenko, CEO of MaxPay.

Advanced operating systems can run marketing and support services such as Apple Pay. Merchants would be well served to consider the diverse options of new terminals, writes Ben Wagner, director of solutions at Ingenico Group, North America.

It’s not speed, which will steadily if not exponentially increase in the near term. It’s the centralists that are holding onto their roles as reconcilers of data.

Shoppers will not buy products they can’t find, no matter how quick and seamless the checkout process may be, writes Trevor Legwinski, chief strategy officer at SearchSpring.

There is too much customer and regulatory inertia for banks’ business model to become irrelevant overnight. The real danger is banks will fade out of the picture over time.

Long wait times and improved marketing are a couple of reasons retailers should consider their own apps, writes André Stoorvoge, director of product marketing for payments at Rambus.

Online and mobile banking are essential elements in 21st-century financial services, but there’s more to banking than digital transactions.

PwC reports a modest improvement in its gender pay gap. A study finds a big gender pay gap in the U.K’s financial services industry. Plus, female founders speak out about sexual harassment and explain why they kept quiet before.

The ability to use balances toward Apple Pay payments will be attractive for retailers, writes NewStore founder and CEO Stephan Schambach.