Opinions

Apple Pay is a watershed moment that will do more to stimulate mobile commerce than the sum of all previous efforts. But it also has an impact on branding that should make it part of a broader mobile menu for banks and retailers.

Apple Pay is a watershed moment that will do more to stimulate mobile commerce than the sum of all previous efforts. But it also has an impact on branding that should make it part of a broader mobile menu for banks and retailers.

The risk that a trader will mistakenly enter an incorrect stock order is on the rise as mobile- and cloud-based platforms become more popular.

I'd be hesitant to say that mobile payments are ubiquitous today, but during a four-day trip to Texas, I got to see just how far the technology has come when I lost my physical wallet with all my plastic cards.

Real-time payments would undoubtedly benefit some consumers and companies, but same-day payments can address many current needs. To that end, Nacha is working on a phased-in approach to implementing multiple same-day settlement windows.

A risk-based approach to anti-money-laundering rules would allow regulators to be sure mobile transactions are being screened for suspicious activity without hindering the technology's potential to do social good.

Friendly fraud may sound like less of a threat to business than other more large-scale, aggressive attacks, but this sleeper predator costs retailers nearly $12 billion per year, leaving unprotected merchants completely empty-handed and liable for fraud that wasn’t really fraud in the first place.

I have coined the phrase "managed risk" merchant to correctly define and segregate the stigmatism that traditional Card Not Present (CNP) merchants obtain when labeled as "high risk" merchants.

Payments providers have a unique challenge when it comes to satisfying their target audiences.

Apple Pay couldn’t have arrived at a better time; security breaches in major retailers appear almost daily in the news, and consumers are looking for a more secure way to pay. And while Apple Pay may address that need for many, there are still potential security breaches.