Opinions

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.

Community bank executives need to focus on these three areas in order to embrace change and cater to younger, tech-savvy customers.

Disruption in credit scoring is healthy, but the new models touted by marketplace and other alternative lenders are still untested, especially about how loans will perform in a downturn.

Banks are coming up short in trying to keep pace with other more advanced app providers, but emulating these five steps taken by nonbanks can help drive mobile engagement.

Since payment fraud involves many different types of activity the best way to identify suspicious patterns is to integrate disparate data sources, and cross check data from multiple angles.

Anti-Money Laundering (AML) payment risk is making onboarding very complex, though artificial intelligence (AI) is rapidly maturing and can help.

It just was a matter of time before a major brand would experience a data breach in 2016. While the Wendy’s card data breach is under investigation it has reinvigorated a discussion among merchants who want to avoid being the next target (no pun intended).