With more vendors issuing EMV cards, cybercriminals are turning to cart-not-present fraud as a way to defraud consumers. A mix of weapons is necessary to counter it, writes Robert Capps, authentication strategist and vice president at NuData Security.

Alipay and WeChat Pay will force traditional payment networks to up their game, particularly in in-play emerging markets. Whether they can become relevant at scale for consumers outside China remains to be seen, writes Eric Grover, a principal at Intrepid Ventures.

The increased availability of the technology serves to further encourage consumer adoption rates, writes John Mitchell, CEO of Episode Six.

With the high-performance and capabilities AI provides, this technology will serve as one of the most valued assets in the future, writes Arushi Srivastava, senior director of public sector for NTT Data Services.

By replacing human judgment with other identity technologies, higher levels of verification accuracy can be achieved in a fraction of the time, writes Romana Sachová, co-chair of the Security and Biometrics Workgroup at Mobey Forum.

The breach may result in a huge new dump of names, addresses, Social Security numbers and other personal information that fraudsters can leverage to gain access to a legitimate user’s account, writes Jason Tan, CEO of Sift Science.

The open tech that powers added data sharing has already resulted in security events, writes Stephen Singham, managing director of security research at Distil Networks.

It's only the early days after the Equifax breach, but breadth of the data has the potential to reverberate for some time, requiring a mix of detection, prevention and response, according to John Gunn, chief marketing officer at VASCO Data Security; Atiq Raza, CEO of Versec; and Tim Erlin, vice president of product management and strategy at Tripwire.

While many fintech companies and payment startups have good ideas, they don't yet understand the complexity of integrating into a community bank’s core banking system. That's where partnerships can help, writes Steven J. Ramirez, CEO of Beyond the Arc.

For retailers, WeChat’s hyperactive and massive user base is a goldmine, but mini-apps don't solve the most prominent demand of retailers: to acquire and retain new traffic, writes Franklin Chu, managing director of Azoya International.

By design, any practice that requires a customer to simply hand over online bank credentials to a third party is a terrible idea.

The gig or sharing economy has transformed and disrupted the global workforce. It has redefined what we should expect from our payments, writes Ralph Perdomo, a research analyst and writer at Nvoicepay.

Cybercriminals know people want to resolve tax payment issues, and they take advantage of it, writes Matthew Gardiner, senior product manager at Mimecast.

As long as we can create enough trust between the parties involved in a payment transaction, the system works, writes Francis Limousy, principal adviser for UL Transaction Security Advisory Services.

It’s highly debatable whether the artificial intelligence engines that online lenders typically use, and that banks are just starting to deploy, are capable of making credit decisions without inadvertent prejudices.

States must recognize how their patchwork of different regimes stifles innovation, but they also have an opportunity to help maintain U.S. competitiveness in the global fintech marketplace.

Targeting customers and linking mobile marketing to in-store sales is a challenge for retailers, but mobile payments can make a difference, writes Marissa Tarleton, chief marketing officer for RetailMeNot.

The existing state laws create a gray area for bitcoin-related businesses, according to Rob Viglione of ZenCash and Scott Nelson of Sweetbridge.

Phishing crooks are like security analysts with more weapons, creating a danger for payment and other companies, writes William MacArthur, threat researcher for RiskIQ.

Bots can use revealed preferences and purchase history to make pertinent recommendations, writes Doug Baldasare, CEO of ChargeItSpot.