Opinions

The rules, meant to deter crimes like money laundering, offer banks and others a rare chance to gather valuable information that helps create personalized experiences millennials want.

Attempting to impose the fundamental laws of a particular lending universe on another will lead to an eventual collapse of a particular firm or industry segment.

Banks frequently blame "the rules" in shunning partnerships with fintech startups. However, compliance can be a positive force, not something that inhibits growth.

Mobile wallets remain in a nascent stage until service providers can deliver value beyond just payments.

It seems we cannot go a week without news of a malware attack of some kind, be it ransomware, stolen credit card information or other security breaches. The increasing trend is that not only are organizations and enterprises affected, but also regular consumers.

Fewer transactions are taking places in branches but banks’ brick-and-mortar locations are more important than ever.

Millennials, who alreadymake up a third of banked consumers in America, are used to transacting life in clicks and swipes. Institutions must embrace their needs now or risk extinction.

The Consumer Financial Protection Bureau is keeping lenders in the dark about how it will ensure borrower data is secure and private under the expanded Home Mortgage Disclosure Act reporting requirements.

Rather than replace bankers with technologists, bankers must return to their original role in the community: help entrepreneurs succeed through connecting capital with good ideas.

As we approach the midpoint of 2016, two of the most pressing matters in the payments industry have become more acute—the push for greater transparency and accountability in merchant acquiring and processing.