Opinions

As payments innovation expands and diversifies, retailers will need to find ways to deftly embed low-touch payments into omnichannel shopping.

Compliance flexibility, state law harmonization and funding transparency requirements are among the regulatory steps that can encourage continued innovation.

Digital wallets are maturing, meaning card plays will increasingly resemble Chase Sapphire, targeting a specific higher end demographic, writes Alyssa Arredondo, director of financial vertical marketing at Entrust Datacard.

Financial institutions should begin to treat data not just as a means to implementing a business model, but as an integral and valuable part of the business model.

American banks’ slow adoption of application programming interfaces is one reason the world’s largest economy has stumbled in advancing digital banking.

The consumer banking experience still needs work. But instead of investing money in consumer-facing products, we must invest in critical yet less sexy infrastructure improvements.

As mobile devices get more complex, self-help will become vital to attract m-commerce and payments, writes James Ramey, CEO of DeviceBits.

Despite major fanfare about new challenger institutions or digital-only bank brands, technology and revenue difficulties are among the factors threatening their ability to adapt and grow.

In the way that Gap and Victoria's Secret are ubiquitous in the malls dotting the suburban landscape, it is unlikely fintech partners will be exclusive to one bank.

One recent study says local and regional FIs face the greatest risk of losses from ransomware, but there are steps CUs can take to mitigate that risk.