Opinions

Product searches can be confusing, which can increase card abandonment and cut into sales. Virtual assistants and other customer service improvements can solve the problem, writes Arjun Mendhi, a director at Infinite Analytics.

Banks have resisted the need to switch their core systems, but how long can a financial institution continue to operate on a foundation of dust?

The risky side of bots played a role in last year's IRS hack. But non-data driven security can fight back, argues Robert Capps, a vice president at NuData.

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.