Opinions

In the spirit of a rising tide lifting all boats, we hope Apple figures out ways to add value to the mobile commerce ecosystem, not just be another isolated technology with limited value to merchants and consumers. Because Apple has work to do.

The precedent set in the ongoing battle between Apple and the FBI over custom access to a device in question opens up unsettling risks on privacy and security.

The expected 100% growth in card not present (CNP) fraud by 2018 threatens small and medium businesses as well as enterprises, and companies need to shore up their data and customer analytics now to stem the tide.

Despite banks' attempts to test and use blockchain, the technology that powers bitcoin, for their own commercial gain, it is outside the realm of possibility for the technology to serve any useful purpose for the intermediaries it was designed to replace.

Industry pundits have been predicting the demise of the branch since the dawn of online account access 20 years ago, but digital services haven't replaced branches. They have just increased the contact banks have with their customers. That's won't change anytime soon.

Banks are enthusiastic about innovation that involves both traditional institutions and nonbanks, but a more cohesive regulatory landscape is needed for cooperation between banks and fintech to grow even more.

M-commerce and payments are a tsunami that no retailer can ignore, but engaging consumers on mobile, and more importantly, converting consumers, remains a challenge for retailers of all sizes.

There are millions of businesses deserving of loans that banks using traditional data resources might overlook due to their thin credit histories.

Compared to other countries with fewer banks, the faster payments initiative in the U.S. will require a far greater level of collaboration and participation.

In comparison to the countries that have already implemented faster payments, the U.S. market contains a far larger and more diverse array of financial institutions that would have to implement the system in order for ubiquity to be achieved.