Opinions

As the payments industry progresses through the first stage (POS terminals) of the EMV liability shift and gets closer to the second stage (ATMs), a lingering question that can be asked is: why would any card issuer not want to get certified for EMV?

State regulators' resistance to the idea of a national fintech charter is not surprising, but state-by-state regulation imposes heavy burdens that reverse the cost savings and expanded reach available through fintech.

While biometric authentication has garnered significant attention in recent months, its actual application in face-to-face environments has seen slow adoption to date.

Banks need more specific guidance that clarifies requirements around vendor contracts, risk assessments, data management and other issues.

Successful platform businesses in the 'Uber/Airbnb' age aren't just about matchmaking. There are also value added services that enrich the experience, and keep customers coming back.

Technology can be an excellent tool for solving problems, like the confidence gap in salary negotiations, which one startup is addressing. Research shows bots can fully oust millions of full-time workers from their jobs and Christine Duhaime says women in banking will lose if they don't step up to the opportunity. Also, Maureen Sherry, former Goldman banker Shauna Mei and Sam Polk talk about life after Wall Street.

American banks are emerging from one of the most challenging decades for any industry in history, and one area that is showing a potential way forward is payments.

Screen scraping is an out-of-date way to share transaction data with mobile apps and services. It's high time for banks to invest in OAuth, a protocol that lets customers access their financial data in a portal of their choosing and is secure.

The recent hack of the DAO (short for Decentralized Autonomous Organization) and the subsequent reversal of funds on Ethereum's blockchain should finally put an end to a decentralization charade.

Companies like Prosper have revolutionized the front end of the consumer lending experience, but they have not proven able to handle even minor financial bumps without running off the road.