Opinions

The technology revolution requires ISOs and agents to pursue merchant relationships based on a range of services in addition to traditional hardware.

The Open Financial Exchange has 7,000 installations. More than a decade ago, the industry saw the data standard as the solution to screen scraping, a practice that bedevils them today.

Banks have traditionally used consumer products to serve small businesses. The growth of alternative payment options means banks may lose customers, particularly among young business owners.

Financial innovation will stall unless we, as an industry, collaborate on a universal data gathering standard.

As consumers use digital channels more, merchants are under pressure to not only make payments seamless, but tie transactions to broader customer-facing and internal functions.

The OCC's limited-purpose fintech charter will separate the healthiest fintech companies from the unhealthy ones — leading fintech one step closer to disrupting the incumbents.

By providing lots of data, and encouraging consumers to carefully examine their statements, merchants and payment companies can reduce fraud and chargebacks.

Integrations with software as a service providers are enabling small online retailers to partner with and compete against the mega-retailers across all major channels.

Regulators here made strides to encourage innovation in 2016, while Brexit cast doubt on the London fintech boom. Yet the cross-Atlantic payments battle is just beginning.

Regulators here made strides to encourage innovation in 2016, while Brexit cast doubt on the London fintech boom. Yet the cross-Atlantic payments battle is just beginning.