Opinions

Financial institutions are under more pressure than ever to properly manage their data troves. But many in the industry have yet to master data governance.

Unregulated entities face a tough road ahead. More banks will align IT risk with enterprise risk management. Banks will place heightened emphasis on their overall risk management vision, and data architecture will emerge as critical competency.

As more consumers pile into Bitcoin and the currency's market capitalization increases, any handful of trades will not have as strong an effect on the currency’s price swings.

Online bill pay technology developed with small business users in mind is lacking. But new offerings could provide companies with greater functionality, while also helping financial institutions reduce risk and build stronger customer relationships.

Community banks' prospects will improve if they accept that the financial services industry is changing. They must re-examine strategies and business models, and experiment and improvise to exploit new opportunities.

The issues Google solves with KitKat were among its biggest hurdles, but it's still too soon to declare a winner in the mobile wallet race.

The real mobile revolution in opportunity for small business payments is occurring not in consumer wallets, but on the other side of the counter, with disruption in the point of sale terminal market.

Ten years from now, today's brick-and-mortar banks, and digital banking services, will look like quaint vestiges of a bygone era.

The FTC's goal of compensating victims of merchant fraud is laudable. But effectuating that goal through a "crackdown" on processors and ISOs, which effectively makes them insurers of merchant fraud, seems misguided.

Nacha says the industry wants faster processing and is “working to make it happen in a way that is a win-win for all.” The biggest banks are in no rush.