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Appeals court says single director is constitutional; the CFTC is rethinking policies because of bitcoin.

The information you need to start your day, from PaymentsSource and around the Web. Today: eBay hires Adyen to replace PayPal; Samsung's new cyrptocurrency chip; Amazon adds QR code tech; Link pushes ATM discounts; Open banking advances in Australia.

The fintech revolution is now touching almost every market in the payments space. Some are still further ahead than others, so expect 2018 to be a year of consolidation in more mature sectors, but one of rapid change in those with some catching up to do, writes David Yohe, vice president of marketing at BillingTree.

Sage Payment Solutions has spent most of the past half-year separating itself from its former parent company, Sage Group, a break that necessitated a new name as it changed its focus to sell a broader range of technology innovation for merchants and businesses.

Sometimes an idea is ahead of its time. Many of the most ambitious products in fintech were dismissed as absurd or overambitious at the time — only to feel perfectly normal years later as culture and consumer habits evolved.

Swelling capital levels, tax cuts and changing attitudes about post-crisis regulation could encourage bigger banks to issue the one-time payouts to reward shareholders and better manage their returns.

An agreement with PayPal for cross-border payments has allowed Bank of America Merrill Lynch to add the word "global" to its three-year Digital Disbursements product.

The Massachusetts bank — and former credit union — bought Cumberland County Mortgage in Maine.

The European core systems vendor has been making inroads into the U.S. market in recent years.

A federal appeals court handed a major victory — and a significant defeat — to the CFPB by upholding its constitutional structure while also slapping down the agency's practice of making new interpretations of law through enforcement actions.