Opinions

Here are the most common mistakes that would-be financial services disruptors make on their way to trying to execute a great idea and business plan.

There are benefits for banks in fintech collaboration via application programming interfaces, but financial institutions should not let go of customer engagement.

The industry's rapid change is shining a spotlight on middle and senior managers who inherit positions and often have to fix the messes — while maintaining the successes — of their predecessors.

The question of “big data” resilience is now analogous to the global warming situation—it’s a reality with staying power.

Despite electronic payment innovations, cash is still the most efficient and simplest form of payment for low-value transactions.

The best customer prospects are specific individuals, so don't fall into the trap laid by surveys and articles that recommend a grand pitch to Generation Y as a marketing strategy.

Forced to find effective ways to authenticate customers, companies are evaluating physical biometrics for web passwords. But in the mad rush for alternatives to fight account takeover, could we be making the problem worse?

The potential for more convergence between financial products and physical products raises a whole host of data and privacy issues that banks must deal with proactively.

Many people in the payments industry believe stolen payment card industry data will diminish in its black market value as EMV approaches ubiquity across U.S. retailers. That's not the case.

Unless banks devote the same amount of investment as standalone incubators, the innovation labs launched by financial institutions will be a short-term fad.