Opinions

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.

The Federal Reserve’s FedNow instant payments system will dramatically speed up payment processing, essentially allowing people and businesses to receive money in their accounts within seconds of a transaction, says the Retail Industry Leaders Association's Austen Jensen.

Any entity questioning Libra runs up against the longstanding legal precedent set by private label gift and GPR, and myriad other prepaid account offerings, says payments consultant and researcher Richard Crone.

Companies like Stripe provide a needed source of capital, but should expand lending beyond their existing base, says Become's Eden Amirav.