Opinions

Piloting distributed ledger technology is important. However, banks need to temper expectations regarding the returns.

Gen Z is coming fast on the heels of millennials. For e-commerce, payments and financial services, they have an even shorter attention span.

The smallness of in-store branches used to be a liability, but with the industry's changing landscape, strategically placed "alternative branches" make more sense today.

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.