If policymakers are serious about revitalizing low-income communities, they should require all fintechs and other nonchartered lenders to adhere to the Community Reinvestment Act.

Former Bank of England and Bank of Canada governor Mark Carney joins Stripe's board as the second new director in two months.

MoneyLion and Opportunity Financial are following in the footsteps of financial technology businesses that have raised billions of dollars from special purpose acquisition companies. The quick injection of funds is expected to accelerate their growth as well as make them more competitive with banks and other mainstream financial services firms.

Brex currently relies on bank partners to offer credit cards and cash management accounts to small and midsize businesses. It is looking to charter its own FDIC-insured institution to be a direct provider.

Community development financial institutions would reach even more underserved households and business if they had strong relationships with tech firms and national banks. Here's how the Office of the Comptroller of the Currency can foster such partnerships.

The shift to digital is permanent, creating an opportunity to reassess long-term strategy, says Greynier Fuentes.

Rapid changes in payments and regulations have blown open the door to new ideas, creating frontiers for fintech investors. Javier Perez hopes three decades of experience will help him have an early read on startups.

I2c and Unifimoney change incentives to fit market conditions, rather than focusing primarily on boosting consumer spending.

Despite a culture of innovation, cash is still king in Japan. That paradox gives Japan a chance to leap ahead of other countries in payment innovation, says Fime's Takahide Kadoyama.

Mobile pay is embedded in social media platforms and large retailers, proving an e-commerce spending boom, says Azoya USA's Franklin Chu.