Opinions

Younger consumers have an appetite for fintech services and digital relationships, says Cloudentity CEO Jasen Meece.

Machine learning and innovations such as voice assistants can give the newly mature e-commerce industry an extra push, says Qualpay's Penny Townsend.

Helping corporates manage cash and liquidity through automated data-based actions can start to ease serious headaches for treasurers, says Icon Solutions' Simon Wilson.

Consumers have gotten used to mobile order, pay and delivery, and will require even greater innovation, says OnFleet's Khaled Naim.

Many financial institutions have made initial moves into real-time payments via P2P services, and the use cases will jump over time, says Fiserv's Matt Wilcox.

When life turns upside down, customers and employees need help with finding swift solutions to problems they may have never faced or even considered—and companies require innovation guided by more than a slide deck, says Western Union's Nicole Vogrin.

There’s a dynamic balance between the innovation and resiliency benefits of the messy, creative ferment of many smaller competitors, and an oligopoly or monopoly’s scale economies, says Intrepid Ventures' Eric Grover.

The decentralizing of business payments staff requires agility that's permanent, says Nvoicepay's Lauren Ruef.

Smaller institutions are relying on an issuing system that gives away control over card programs, says Corserv's David Luther.

During the past year we’ve seen some ingenious, innovative solutions addressing financial inclusion, and that will need to continue, says GPS CFO Richard Hodgson.