Opinions

Some regulatory agencies appear ripe for criticism or curbs to their authority in the incoming Trump administration, but the Office of the Comptroller of the Currency is in position to have its authority expanded.

Banks tend to respond to ATM and payment breach risks after an incident. They need to get more proactive.

Consumers' providing bank credentials to third-party services is akin to handing over their house keys. To mitigate screen-scraping risks, banks and fintech companies must first address issues related to security, transparency and control.

With access to financial transaction data under threat by hurdles imposed by certain financial institutions, it should be up to consumers to decide how their data is used to improve their financial well-being,

The Internal Revenue Service's petition for information on Coinbase customers is an overreach that should concern Americans regardless of whether they use bitcoin.

Retailers are adding e-commerce services quickly, but older technology systems are making the migration difficult.

The election results will only intensify factors making competition with bank lenders more difficult, including the effect of interest rates as well as the regulatory environment.

As subscription services get more complicated, the technology required to send bills, process payments and execute marketing campaigns will become harder to manage.

Big banks are still levying overdraft charges. New technology startups can stem the tide and help digitally-savvy millennials manage payments and their budgets.

With access to financial transaction data under threat by hurdles imposed by certain financial institutions, it should be up to consumers to decide how their data is used to improve their financial well-being.