Opinions

Regulators and lawmakers must exercise healthy caution before granting fintech firms preemptive powers via national bank charters or otherwise.

Some retailers falsely think that if they are using EMV chip credit cards that they have eliminated any chance of security breaches at the register since the EMV approach is stronger than conventional credit cards.

Rather than increased emphasis on the card, or even the way we pay, more needs to be done to secure the terminal through which the transaction is processed.

U.S. Bank's steep price for instant payments risks limiting the feature's appeal. Rather than overcharging, banks need to think longer-term about how to drive payments volume.

Recent devaluations of startups and other signs of trouble do not mean the end of fintech upheaval but rather the start of acquisitions and other repositioning to advance stability.

In order for mobile payments to be successful, there has to be a sustained effort to communicate the worth and educate both the consumer and the merchant.

To help make instant payments a reality, regulators here and abroad should encourage multiple approaches, thus avoiding the temptation to mandate a single solution.

Regulators are right to target overdraft and other fees as obstacles to banks offering affordable checking account options, but that’s just the beginning in developing transactional products that work for consumers.

I don't normally buy $300 of pizza. But it's not as unusual as my credit card issuer might think, and that's part of the problem for prevailing identity management strategy.

The ability to program value exchanges without risk of censorship, moderation or theft gives smart contracts a leg up in servicing users who lack a mainstream banking association.