Opinions

Small-scale financial services companies such as storefront lenders and local money transmitters which use technology should have a choice of whether they are regulated by a state or federal regime.

Unless the U.S. card business is able to offer merchants scaleable solutions that are cheaper and quicker to implement, there is a serious risk of full EMV migration taking several years to complete.

While bitcoin is viewed as "secret currency," the technology behind the cryptocurrency is immensely useful to financial services companies in preventing hacking.

Key factors point to marketplace lenders rebounding from their recent setbacks and continuing their growth.

It is imperative for regulators and lawmakers to approach the online small business loan market with care and an understanding of how these lenders expand access to credit.

Six months after the credit card fraud liability shift, merchants who have not implemented chip card technology are complaining about a larger number of chargebacks than they expected. But there are steps that can stem the tide.

The Federal Deposit Insurance Corp.’s request for input on mobile financial services allows banks to promote how their mobile app helps the underserved, which is a plus when seeking merger approval.

Multifactor authentication is high on the list of payment security requirements, including new standards from PCI. For any company on the fence on adding stronger authentication, there's plenty of examples of what can go wrong with basic identity management.

Requirements that banks share anti-money-laundering information should extend to fraud and cyber risks, to connect the dots between bad actors and their transfer of money.

A recent spate of cyber-attacks leveraging POS (Point-of-Sale) malware against big retailers is drawing attention to a relatively new malware strain called "multigrain."