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Costs fell less than 1% to $54.7 billion in 2017, and its goal for 2018 is $53 billion. Analysts question whether revenue growth and tax relief will reduce the incentive to get leaner.

The information you need to start your day, from PaymentsSource and around the Web. Today: Curve launches its all-in-one card; States push Congress to relax weed regulations; OnePlus gets attacked; Ethereum finds another user; China takes another swipe at cryptocurrency.

Write-down clears the decks for better times ahead; the agency’s acting head is looking to revamp strict rule that went into effect on Tuesday.

Progressives have been setting off alarm bells this week over the Senate’s bill to ease some Dodd-Frank rules, but the changes are more modest than many assume.

As more small businesses hire workers for short-term gigs, Intuit is adding features to QuickBooks to streamline the paperwork around paying these contract employees.

Most U.S. merchants faced a 2015 deadline for EMV compliance, but gas stations have until 2020. Those extra years bring with them an assortment of new technology that can fundamentally change the ways motorists fuel up.

This dangerous "wild west" scenario of fraud and breaches is pushing improving or revamping online authentication to the top of this year’s to-do list for both online companies and governments, writes Robert Capps, vice president of business development for NuData Security.

Even as more retailers dropped out of the Plenti multi-merchant loyalty program this month, the faltering American Express program does not represent a death blow for such collaborations.

The company, which bought BNC Bancorp to enter North Carolina last year, recorded $19.1 million in merger-related expenses and an $8.3 million pretax loss tied to investment securities.

National Credit Union Administration Chairman Mark McWatters has not even been announced as President Trump's pick to run the Consumer Financial Protection Bureau, but his potential nomination already is uniting diverse groups in opposition.