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The JPM Coin will be used to expedite payments transfers for its corporate clients; customers of Spain’s largest retail bank will be able to withdraw cash without entering a PIN.

The information you need to start your day, from PaymentsSource and around the Web. Today: Amazon gains bank support in India; Facial recognition for ATMs in Spain; ATMs are declining in the U.K.; UATP and Conferma Pay offer virtual pay for flights.

To take full advantage of AI’s opportunities, employers must understand and overcome lingering doubts from their employees.

Alipay is a force to be reckoned with outside of China, but it has taken a strategic approach to foreign markets that downplays its potential as a threat to local payment systems.

While payments firms must navigate political and regulatory waters, consumers and merchants are best served by a competitive free market free of politics, with minimalist regulators playing the role of the night watchman, writes Eric Grover, a principal at Intrepid Ventures.

Readers weigh the BB&T-SunTrust deal, consider how a new accounting standard could affect Fannie Mae and Freddie Mac, debate the impact of the government shutdown on credit histories and more.

JPMorgan's blockchain effort could lead to solutions that overcome industry skepticism and regulatory concerns and perhaps attract more mainstream retail interest.

They all agree that legislation is needed, but the two approaches being offered are exposing tensions.

The government-sponsored enterprises are going through a transition period. From proposals for rebuilding their capital cushions to tackling shortages in affordable housing, Fannie Mae and Freddie Mac face a number of key challenges with wide-ranging consequences this year.

Barclays, Bank of America, TD Bank and other banks have filed multiple blockchain patents over the years, but have yet to publicly announce their plans for the technology.