Opinions

Credit Card penalties—like over-limit and late fees—are constitutional and do not violate consumers' due process rights, the Ninth Circuit U.S. Court of Appeals recently ruled.

Innovation requires the ability to tinker, test, break and repeat. Strategy and its close derivatives increase and delay the cost of failure. Business cases, focus groups, market analysis and roadshows, among other things, divert resources and defer action.

Preparing for a Payment Card Industry (PCI) compliance assessment is a major task for any size organization.

Pervasive distrust is a thorn in the side of financial technology innovators and bankers alike, and has prevented mobile wallets from helping consumers manage their finances in real time – a tool they desperately need!

Mobile apps and the ATM are rapidly becoming alternative touch points for many customers. But does that mean that bank branches are dinosaurs? The answer is definitely ‘no.’

Granted, journalists can be scavengers; they're nosey and can be positively annoying when they want information. But why does a whole group of crypto-anarchists and technologists think they have the moral high ground?

New innovations in data security, including chip technology, tokenization and end-to-end encryption, are adding even more technologically advanced fraud prevention tools to our nation's payments infrastructure.

Bitcoin's mysterious inventor, Satoshi Nakamoto, has apparently been discovered by Newsweek reporter, Leah McGrath Goodwin. And I'm torn.

As evidenced by recent high-profile data breach incidents at major retailers , keeping payment data secure in today’s world is an increasingly complex challenge.

No technology yet is as effective at initiating and/or strengthening real relationships as smiles, personal conversations and consultations are.