Opinions

Industry players, regulators and law enforcement will need to work together in 2025 to ensure that as Americans increasingly rely on digital payments, the fraudsters trying to take advantage of them are kept at bay.

New regulatory changes have created the potential to enable smaller institutions to compete more effectively with their larger peers — if they're willing to seize the opportunity.

Standing on the sidelines when it comes to the implementation of artificial technology in the investment banking sector is no longer a viable strategy. Companies must move ahead, or risk being left in the dust.

An alarming percentage of cyberattacks in 2024 exposed eight or more pieces of sensitive customer information, a notable increase in severity. Banks need to have both proactive and reactive strategies in place to protect customers.

To effectively reduce fraud, banks must transition to proactive, integrated strategies encompassing robust risk management and asset liability management.

Women in the payments industry are using the advent of real-time payment networks to help underserved women around the world gain access to vital financial services.

Banking relies far too much on human relationships and trust for it to hand over essential questions about perception and judgement to artificial intelligence. The need for human bankers will always exist.

The future of bitcoin isn't a winner-takes-all scenario where it either replaces the existing financial system or fails entirely. Instead, it's evolving into a multifaceted financial technology.

Countries around the world have lots of incentives to build an alternative to the U.S.-centric global payments system using central bank digital currencies. The U.S. must get in the game or see its economic might begin to wane.

With transparency, security and reliability embedded at its core, a blockchain is not merely a way to enhance existing systems — it represents a model for what banking should aspire to be.