Opinions

Not only is the payment process an opportunity to deliver on a good customer experience, but it also offers the opportunity to enhance the overall experience, says Global Payments Integrated's Ashley Jones.

Five payments of $20 seems less detrimental to a wallet than a one-time $100 fee, says Four's Chaim Lever.

Customers' familiarity and expectations for digital service have risen but customer service strategy needs to adapt to this new playing field, says Majorel's Oliver Carlsen.

The faster IPO alternative is a favorite of fintechs, but accounting adjustments will require some extra compliance, says Donnelley Financial Solutions' Craig Clay.

ISO 20022 prioritizes speed and security, creating a runway for major new innovations like machine learning, says NICE Actimize's John Buzzard.

Digital payments can cut costs, errors and other tasks that would be prohibitive on their own, says Kofax's Lindsay Pinkos.

The urgency to streamline processes during the pandemic accentuated how digitization can also drive diversity, fairness and better environmental outcomes, says Microsoft’s Bill Borden.

The risk is growing that criminals or hostile nations could use quantum computing to hack into the ledger systems that control bitcoin and other digital currencies.

There are too many security, usability and reliability risks for QR codes to be the main driver of transit payment. NFC is likely better, says Carlypso Networks' Philippe Vappereau.

The Mojaloop Foundation's Adama Diallo and Paul Hunter argue open, affordable real-time payments systems have the potential to include all and help turn underserved women into the newly served, enabling them to become economically active.