Opinions

It's not just new transaction rails, but the speed of innovation has increased, says Hangar 75's Ian Wilding.

There's a wide range of uses for decentralized finance and related blockchain tech, says Wirex's Yves Renno.

User experience and efficiency matter. Consumers aren't going to do something more difficult just for the technology, says Computop's Jed Danbury.

As competition becomes more about countering fintechs than beating other banks, alternative payment methods and broader services will be key, says Icon Solutions' Simon Wilson.

The industry’s most effective relationships come when providers serve as collaborators and an extension of their clients to serve customers and work in tandem to address a range of challenges and grow their businesses together, says Paya's Chris Scappa.

Both consumers and merchants are realizing the permanent benefits, says Azoya USA's Franklin Chu.

Companies that can pay people quickly and flexibly will have an advantage, says Payslip's Fidelma McGuirk.

To embrace social commerce, merchants should prioritize data privacy, communication of delivery timelines and a seamless checkout experience.

A comprehensive strategy around when and how consumers pay bills online can better help credit unions understand members' behavior patterns and deepen those relationships.

Online ordering, outdoor pickup and digital shopping features are more than emergency workarounds, and merchants need to make them a regular part of their strategies, says Signifyd's Mike Cassidy.