Opinions

Business are still reluctant to automate payments and billing, though that can hurt companies financially, writes Daniel Andrew, a vice president at Corecentric.

The digital banker of the year is B of A’s Michelle Moore. TIAA's Kathie Andrade compares career advancement to a rock climb. Plus, Marianne Lake, Ellen Alemany and Wonder Woman.

Attacks like the WannaCry ransomware require issuers to educate staff and shore up technology defenses, writes Bob Antia, cheif security officer of Unitrends.

PayPal has worked to build support from retailers and consumers, positioning it well in the competitive e-commerce game, writes Lauren Freedman, senior vice president of digital strategy at Astound Commerce.

Bankers have conversations daily with clients, public officials and friends who don’t necessarily see the benefits that banking locally provides.

Since e-commerce retailers often don't have the same personal relationships as traditional retail, it can be harder to dispute chargebacks.

Banks in the U.S. should get ahead of potential open banking regulation by building application programming interfaces now. A preemptive strategy will give banks more flexibility.

As volume grows, fraud and security risk will expand as well. Merchants and issuers can't afford to avoid the extra work to secure the channel.

Regulatory restrictions on market entry can shield banks for only so long from problems like those faced by traditional retailers. But financial institutions can take these steps to stay competitive in the ever-digital world.

There are hundreds of millions of users that store credit cards with Google but don’t use Android Devices, giving Google the chance to take advantage of data it already has to improve functionality.