Opinions

Forget about municipal governments. Through transactions such as payments, banks have a trove of data that can be used to revolutionize how cities work.

Many assume that a smart contract is something totally new. However, banking has used imperfect implementations of smart contracts for at least three decades.

The president-elect should consider establishing an executive-level office to inform his administration on ushering in a new era of financial regulation — one that is much savvier about new technology and big data.

Merchants are still slow to adopt mobile point of sale systems. But improvements in usability and longer battery life can turn that around.

Refusing to let innovators experiment in a permissive environment keeps regulators in the dark, and ultimately, prevents progress in financial services.

There are security gaps in chip cards that are vulnerable to new types of skimming. Biometrics can help solve this problem, and will also prove handy as EMV cards migrate to smartphones.

While remittances may pose higher risks than services like bill pay, they are absolutely necessary in an age of unprecedented migration. It's high time state and federal regulators update the rules to help inspire banks to re-risk.

Any company that uses point of sale systems or technology is at risk.

The credit agencies played a role in the Great Recession, but marketplace lenders still need ratings oversight to make their businesses viable.

Lots of banks offer P-to-P and bill pay, but Fiserv's research suggests institutions can make improvements in making consumers aware.