Opinions

The challenge has been aligning the data-sharing ecosystem in a way that simplifies access and enhances consumer control while ensuring a high level of security, says Finicity's Steve Smith.

Fintechs like LendingClub and Varo Money illustrate how the traditional financial system is changing. Banks that don’t rapidly evolve with technology will be obsolete.

The best community banks layer human-facing services with new technology to beat the heavyweights in their market.

In spite of MGM’s quickly notifying hotel guests impacted by the breach in accordance with applicable state laws, it’s a clear concern that many of the contact details were still valid, particularly the phone numbers, says Shared Assessments' Tom Garrabba.

The maturity of "super apps" in China shows how to reach a digital generation, says EBANX's Henrik Nilsmo.

Banks are so caught up in the newest technology trends that they lose sight of the need to build a talented workforce and a purpose-driven organization.

More work is needed to bring processing up to speed for digital payments, according to Neocova's Sultan Meghji and Kelsey Weaver.

The Treasury secretary’s recent Senate testimony coming down on cryptocurrencies is misguided. Regulations should require building better blockchain technology at the banks.

For real-time payments, there are national schemes to help drive adoption and enhance consumer convenience, according to Standard Chartered's Tarek Elyafi and Shantanu Vijaykumar Bhosale

The Fed can take steps now to speed up existing networks.