Opinions

The thinking has been that additional POS complexity is the only way to give customers what they want and streamline business operations. Yet a typical merchant uses less than 20% of the capability of their POS solution—and not often very well, says Revel Systems' Chris Lybeer.

The term “Amazon effect” is a term increasingly used to represent a digital-first business model where interactions with partners and customers centers on web-based application programming interfaces.

Traditional phishing attacks on email are easier for most users to spot, causing crooks to migrate to new venues, argues The ai Corporation's James Crawshaw.

In what’s been named the “fourth Industrial Revolution,” the opportunity for fintech to continue to disrupt the payments landscape and deliver solutions that move money quickly and securely will only continue to grow, says AvidXchange's Dan Drees.

The current climate is akin to the Wild West, with little protection for the consumer, and new regulations are needed if the technology is to continue to expand in a safe and sustainable way, argues Mitek's Stephen Ritter.

Stablecoins, with their instant settlement and high liquidity, averts the issues that have long plagued cross-border transactions

Automous delivery is a long-term solution, but more creative fulfullment's needed in the meantime, says Roadie's Marc Gorlin.

The social network could achieve many of its goals by working within newer bitcoin protocols, says The Bitcoin Association's Jimmy Nguyen.

Cold, hard currency is still a crucial part of a competitive payments strategy, particularly in massive markets like Indonesia, Korea, Japan and India, says Rapyd's Joel Yarbrough.

Still trying to figure out whether to build gateways to your bank's data and systems? Here’s why you should transition.