Opinions

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.

Better information security will remain the foundation of success as the financial services industry moves quickly to engage new business models.

The Internet of Things is making it possible for POS terminals to be connected to all sorts of applications and devices, which helps improve customer experience, but also makes these systems more vulnerable to hacking attacks.

Users want more control over their data and more seamless integration with their financial tools. Banks and credit unions cannot wait for a regulation like PSD2 to move forward.

Third party mobile payment apps are resetting consumer expectations, and retailers must embrace the technology, writes Joe Leija, general manager of North America at Ingenico ePayments.

3DS 2.0 is designed to vastly improve cardholder authentication, and in so doing, improve the digital checkout and payment process.

It is not startups but rather Silicon Valley’s biggest names that are best-positioned to compete with banks in the blockchain race.

One-time passcodes or more complex passwords are not enough, and add friction and potential frustration for the user. The solution is mobile identity authentication, writes Randy Vanderhoof, executive director of the Secure Technology Alliance.