Opinions

Connected devices are expanding quickly, as are payment apps. The combination may make following commerce and security mandates harder in the future.

Banks have traditonally lagged behind in embracing innovation, though blockchain provides the opportunity to quickly ramp up digital services.

Digital payments can make travel payments easier and boost financial services in emerging markets. In some cases, it's doing both.

The effort to create an enterprise Ethereum could lead to robust private blockchains, but one of the key strengths of the project has to do with Ethereum’s roots as an open-source platform.

Third party technology development from APIs and real-time digital payments are expanding, creating a new area of security risk.

It is a fallacy that customers respond only to monetary rewards. Banks should use psychological rewards to drive digital product sales just as popular mobile apps do.

Digital transactions tied to travel are growing quickly, putting pressure on airlines to support third party mobile wallets and other e-commerce options.

The regulations follow a series of web attacks and data breaches, and require vigorous defense, reporting and response strategies.

The fast-moving innovations enabled by blockchain technology defy the ability of state governments to regulate the distributed ledger space constructively and efficiently.

As more payment and financial services companies use the app store, there's vulnerability to new cyber attacks that try to take advantage.