Opinions

With identity management now established as a distinct industry, it needs an organization to nurture its practitioners like those that exist for the privacy and security sectors.

Alipay's fast growth is partly attributed to the huge size of the Chinese market, but it also deploys strategies that can serve as an example for mobile wallets in other parts of the world.

The appeal of information pathways such as the internet were seen as possibly bringing about a "comeback" for artificial intelligence in financial services — in the 1990s.

As retailers, banks and technology companies continue to suffer data breaches, issuers and merchants need to take extra care when selecting payment vendors.

To act like a startup — as many banks say they want to do — institutions must employ a nontechnical strategy: build services based on customers say they want.

In response to a series of cyber bank thefts, Swift has developed new guidance. It's a necessary first step, though banks for now are still left to fend for themselves.

Banks should embrace artificial intelligence so that they can more easily navigate policy shifts that will affect their compliance resources and processes.

Both major brands are accelerating a move away from traditional checkout, and all retailers need to make adjustments for the future.

Merchants should check operating systems, since the PC-based operating systems which run most legacy point of sale software have security flaws and are targets for malware.

Crooks are getting more clever when hacking e-commerce sites to hide illegal activity, requiring banks and processors to developer a broader picture of merchants and payment activity.