Opinions

Branch closures can prompt online blowback as community members worry about employee layoffs and stranded customers. A bank's best move is to get in front of the issue and respond directly to locals' concerns.

Apple gets it. The way to make things appealing is to make them simple, convenient and valuable for consumers.

One of the longest discussions regarding the U.S. EMV migration is the choice of chip and PIN or chip and signature as the card verification method (CVM).

Innovation must be tamed. Let it run wild and risk serious economic consequences, not to mention hefty fines.

Mobile wallets will undoubtedly become more popular with time, but plastic cards won't be easily killed off. We add to payment options to increase security, options and convenience.

There is a leadership void in payments innovation. The Fed has the ability and the historic precedent to take up the mantle.

The check may not be in the mail. Today’s consumer uses an average of three different payment methods each month, from online to mobile to walk-in and yes, even the occasional check, according to Seventh Annual Billing Household Survey from Fiserv.

It's safe to the EMV adoption will be successful, but it is still going to take some time – and might never achieve 100% ubiquity in the U.S.

A new service from Cardtronics asks consumers to pay up to $10 a month for unlimited access to 5,000 of the company's ATMs. That may not sound like a great deal — but it could have a lot of appeal among people who make use of alternative financial services.

Mobile malware has become easier for criminals to deploy, circumventing all antivirus and firewall solutions, as these viruses are delivered in the form of trusted applications we all install and can lead to m-commerce vulnerabilities.