Opinions

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.

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.