Opinions

Contextual commerce is the next big thing in retail as the payments transaction slides to the background. But it relies on building sophisticated consumer relationships.

Most new payments and financial services innovation isn't tied to the actual payment, making hosted and cloud solutions a good fit for right sizing resources.

The temptation for banks these days is to digitize as much as possible, but that generally results in spending a lot and doing nothing really well. Picking one of these three business models can help banks choose technology best suited to add value and thus get the most bang for their buck.

The way we buy today is already different than just a few years ago. In a decade, it will be totally transformed. Here is what every company must do to stay relevant and competitive in the coming decade of unprecedented disruption.

The mobile device and its embedded technology can make a strong combination to protect user ID, and comply with new European regulations for security.

The technology can help to speed processing, and the number of banks investing in the technology is expanding rapidly.

The risk, complexity and psychological biases related to financial products make them ill-suited for push-based selling tactics. Instead, banks should use their digital channels to help customers decide what they want.

By using biometrics, merchants can tie user identity to the actual consumer, a better option than EMV chip cards.

The attack goes after the social network customer service channels for issuers and other financial services, and is hard for consumers to spot.

Hotels and other hospitality businesses need to adopt new security technology methods such as biometrics to stay ahead of the crooks.