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.

Card testing is like thieves “playing the slots” with stolen card numbers to see what they can get from them, writes Rafael Lourenco, executive vice president of ClearSale.

To continuously build strong customer relationships, there should be an incentive structure within a custom token, where quality reviews by industry players are rewarded using the tokens, writes Denatacoin's Mariam Nishanian.

PayPal is among the top non-bank financial brands, though that may soon change as other challengers gain ground, writes Hannu Verkasalo, founder and CEO of Verto Analytics.

Between Brexit, Dodd-Frank uncertainty and the mobile revolution, issuers and financial services companies must combine past performance data and forward-looking information to gain insight, writes Henri Wajsblat, director and head of financial services at Anaplan.

Competition from global giants like Amazon and Alibaba and millions of independent retailers, coupled with the constant threat of credit card fraudsters, makes it imperative that online retailers tick all the boxes to reduce risk, writes Suresh Dakshina, CEO of Chargeback Gurus.

By eliminating the friction of a cardless ATM, the utility value of the mobile wallet has just increased by an order of magnitude, writes Dan McKinney, co-founder and chief marketing officer at Finxact.

A data-driven approach to money laundering prevention can help increase profits and improve regulatory compliance, writes Edmund Tribue, risk and regulatory practice leader at NTT Data Services.

Millennial purchases are fueled by convenience, efficiency and value, and with the recent announcement of Instant Pick Up, Amazon has taken another step in the right direction, writes Gil Don, CEO of Splitit.

This latest instance of Trickbot is a good time to remind consumers not to trust third-party sites even when directed by an email that seems legitimate, writes Lisa Baergen, director of marketing at NuData Security.

Consumers who either are tiring of the password overload, or those who understand that passwords are antiquated security, are driving the fair amount of biometric adoption, writes Michael Lynch, chief strategy officer at InAuth.

Financial institutions need to take notice of this phenomenon and ramp up their payments infrastructure to support these developments, writes Chet Kamat, senior vice president of Oracle Financial Services.

The advancement that we are seeing in terms of API Banking in the payments domain makes it evident that the overall banking system is moving toward an open banking framework, writes Satya Swarup Das, a senior architect for the global banking practice at Virtusa.

Alternative currency investments are volatile. Another way to look at the market's sustainability is the willingness of participants to stick with this new mode of payments, writes Mariam Nishanian, a representative for Dentacoin, a virtual currency for the dental industry.