Opinions

Regulators must urgently usher the unbanked or underbanked individuals into the wider financial ecosystem as they continue to craft open banking rules, says FISPAN's Clayton Weir.

The next step for retailers is to bring consumers the benefits and experience of being in store, from the comfort of their home, says FIS' Dan Brames.

The concept amplifies spending visibility from the center of the business way out to its edges, creating more transparency.

As contactless payments skyrocket, the chance for fraud gets larger, says ClearSales's Rafael Lourenco.

Not only is the payment process an opportunity to deliver on a good customer experience, but it also offers the opportunity to enhance the overall experience, says Global Payments Integrated's Ashley Jones.

Five payments of $20 seems less detrimental to a wallet than a one-time $100 fee, says Four's Chaim Lever.

Customers' familiarity and expectations for digital service have risen but customer service strategy needs to adapt to this new playing field, says Majorel's Oliver Carlsen.

The faster IPO alternative is a favorite of fintechs, but accounting adjustments will require some extra compliance, says Donnelley Financial Solutions' Craig Clay.

ISO 20022 prioritizes speed and security, creating a runway for major new innovations like machine learning, says NICE Actimize's John Buzzard.

Digital payments can cut costs, errors and other tasks that would be prohibitive on their own, says Kofax's Lindsay Pinkos.