Opinions

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.

Threats to the industry's control over payments were apparent before PayPal became popular. However, risks are even more visible and real today.

The only tactic for survival is brutal honesty. So let's accept the very real risk of disappearing and do the heavy lifting required to persevere.

Small merchants need to adopt omnichannel, but it can be difficult in a low resource environment. Staying flexible to add technology fast is key.

Making customer experience consistently good is a priority, but it's not enough. Great experiences in the future will be tailored to individual needs and preferences.

The rules can be tricky, but social data can add lots of detail that can help prove identity and reduce fraud.