Opinions

The EMV standards will change card security. But what may have more impact on the bottom line is churn.

The changing demands of consumers who are increasingly mobile, and the emergence of disruptive technology, are changing the payment model for financial institutions.

Banks are being "unbundled" by challengers in numerous business lines, but they can recapture the relationship with the help of technology and the right mindset.

Bank of America's ops and tech chief is looking to discuss the Internet of Things, innovation, diversity and recruitment at this week's global wholesale banking conference.

In a new book, PayPal founder and former exec Elon Musk argues that big thinking is missing from PayPal and payment startups. Put another way, NFC and QR codes won't repair the global economy. The problem is Musk's big-picture approach is it would challenge interoperability and ultimately stagnate the very industry he's trying to save.

Adoption of mobile payments has been slow, and it's not clear why. Some have suggested the problem is a lack of understanding among consumers. Others have questioned whether mobile payments really address a consumer pain point.

Buyers of securitized loans sue Lynn Tilton, the Pittsburgh Home Loan bank's Kristina Williams advises women executives on leveling the playing field, ex-Ally Bank chief Barbara Yastine joins a wealth management firm and Google's Ruth Porat warns about the economic threat posed by mounting student loan debt.

Europe has been a clear leader in the adoption of EMV. One notable migration took place in the United Kingdom. The U.K. began the process of promoting EMV in 2002 and completed the full roll out in 2006.

Robo-advisers have myriad conflicts of interest and fall short of the standard of care under fiduciary investment law. The Labor Department's endorsement of these algorithmic investment guides seems curious and misplaced.

The gaming market is evolving and becoming more lucrative by the year. As developers continually aim to recreate new ways to monetize game content, mobile payment operators hold a unique position in this profitable market.