Opinions

Before banks are truly integrated into the digital landscape, they must break down data silos and implement steps to make data more accurate and actionable.

It's easy to get lost in the technological complexity of "application programming interfaces," but banks need to stay focused on improving business and customer outcomes, which is the ultimate goal.

Federal rules for technology-based firms providing the fast-moving sector certainty and consistency would be a benefit, even if rules are suboptimal.

Mobile payment users are set to soar in the coming years and this is the chief reason competitive businesses need to get on board.

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.