Opinions

FedNow will provide tremendous advantages for community financial institutions, but it also creates areas of concern that will require additional oversight, says CSI's Derrick Bretz.

As merchants and issuers add mobility for staff, they must come to grips with the shortcomings of mobile security, says Blue Cedar's John Aisien.

Determined hackers can always find a way. A detailed plan can manage the damage, says Datamatx's Scott Stephens.

If banks and customers take steps to quickly adapt to the change now, the benefits will soon be realized, says Sage's Adam Prince.

Issuers often offer several types of cards, but cling to older methods of communicating with users, contends BelWo's Doug Cox.

Digital services are gaining momentum, and traditional plastic cards are adding innovation to keep up after years of lagging, says FIME's Stéphanie El Rhomri.

New tech can help banks with less cumbersome systems track suspicious activity more effectively.

Detecting virtual bad actors means paying more careful attention to the digital interactions and touch points within your business, and how users interact with you through apps, websites or customer service centers, writes Accertify's Andrew Mortland.

MFA stops broad attacks, but more targeted hacks can still get through, says KnowBe4's Roger Grimes.

Cybercriminals have become extremely adept at crafting emails that are indistinguishable from legitimate emails, says Valimail's Peter Goldstein.