The European directive is an opportunity for U.S. institutions to update data protection, writes Seth Ruden, senior fraud consultant for ACI Worldwide.

Both merchants and consumers still see the act of making a payment as a barrier and again look to technology to enhance the experience, writes Chris Koide, senior advisor and vice president of financial services for Bambora North America.

The ability to expedite information with payment, specifically remittances, is the real challenge, writes Mike Fortmann, vice president of Southwest Region for NVoicepay.

Usernames, passwords, device authentication and even biometrics have vulnerabilities. Behavioral identity is much harder for crooks to crack, writes Robert Capps, a vice president at NuData Security.

Merger creates a $20 billion payments processor; government seeks to delay fiduciary rule so it can make revisions.

For issuers, higher online and mobile conversion rates should translate to increased payment volume transacted on their cards, but it opens up a new avenue for intense jockeying over top of wallet status, writes Michael Jabbara, director of digital development markets for Visa.

With close to 900 million monthly active users, WeChat is the most popular social app in China, supporting real-time messaging, social networking, e-wallet and many other functions, writes Franklin Chu, managing director for Azoya USA.

Companies and staff should not spend time doing manual work tied to T&E , writes Sunny Manivannan, general manager of Coupa Expenses.

Unless security systems are implemented thoughtfully and provide a comprehensive view of an organization’s end-to-end security position they’re little more than a distraction, writes Luis Rojas, vice president of product management for cyber fraud and risk management at Bottomline Technologies.

Under PSD2, banks are expected to admit all vetted comers, but how they will connect to them is up to the individual parties, writes Raz Rafaeli, CEO of Secret Double Octopus.

If everyone has a universal digital identity, the documents that identify us in the physical world will no longer be necessary, writes Michael Gorriz, group chief information officer for Standard Chartered Bank.

A "smart" token is a regular token on steroids, transmitting the information needed to authorize the transaction together, including enhanced counterpart identity, transaction and invoicing data, writes Marten Nelson, vice president and co-founder of Token.

Push Payments' Travis Dulaney discusses the Fed task force report; Brian Roemmele talks voice pay.

Shopping and paying for goods with a smartphone or tablet has been a staple of modern consumerism for years, but mobile wallet adoption is just at its early stages, writes Lisa Stanton, president of InAuth.

Machine learning can allow customers to take control of their data-driven decision making, including fraud, writes Mark Goldspink, CEO of The ai Corporation.

Luring developers from Silicon Valley and cloud computing are among the bank’s strategies for staying competitive in a changing tech environment.

Some bankers fear the use of artificial intelligence in detecting crime could catch innocent customers in a dragnet. Proponents say it can do a better job of spotting true criminals.

U.S. Bank has begun using Einstein, Salesforce’s AI software, to give front-line staff insights into customer activity and recommendations. Other banks are likely to add similar tools.

Convinced that clients want as much human interaction as ever, the Wall Street firm is using machine learning to help its financial advisers stay informed and work efficiently.

Artificial intelligence can help wealth managers serve clients better, but some say the technology is too immature to be useful right now.