Opinions

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.

In many cases, customers aren't staying with a bank's brand because they are satisfied. They are staying with the brand because it's too hard to leave.

In the coming years, biometrics will be the leading security metric to protect payment systems, but a single ultra-hack could derail this progression permanently.

By the time you finish reading this sentence, two more Americans will have fallen prey to credit card fraud.

The capacity for EMV cards to swiftly and drastically reduce payment card fraud in the U.S. is by no means assured.

The way we verify people are who they say they are must evolve to reflect new technologies like peer-to-peer platforms and the Internet of Things and the ways millennials live and work.

Favorable economic factors won’t last forever for lending startups. Here are the factors that will make or break nonbank lenders when market conditions get rockier.