New technologies can provide recommendations and proactively engage with customers and members to help them pay their bills or pay friends and proactively manage their financial well-being, says Payrailz's Mickey Goldwasser.

With no way of knowing just how many borrowers will need the mods after the coronavirus forbearance period ends, lenders are deploying artificial intelligence and servicing protocols to tame the ferocious piles of paperwork awaiting them.

While open banking is a fascinating movement poised to benefit consumers and spark significant innovation in financial services, the world must weigh convenience vs. risk and approach the inherent privacy and security concerns with caution, says Imperva's Terry Ray.

By targeting the API rather than scripting a form fill, bad actors are leveraging the same efficiency and flexibility that APIs provide developers, says Cequence Security's Matt Keil.

U.K. fintechs are using their technology to assist British businesses and consumers during the coronavirus pandemic by helping banks disburse emergency business loans, enabling e-commerce merchants to offer installment payments to consumers, and giving employees access to salary advances.

Relationships with third party suppliers and regulators have never been more important, says says Genpact's Manish Chopra.

Bankers have become more uncertain about how to serve marijuana businesses owing to confusion about which states deem them essential.

New authentication methods make it harder to fake biometrics, Eric Setterberg of Fingerprints argues.

The Financial Conduct Authority is pushing for a review of fintechs that provide payment technology, out of concern that the coronavirus may be harming their financial performance.

Ignoring those that came before you, understanding the importance of scope and capacity, and rushing to be the next big thing can help payment startups in good and bad economies, says Leaseweb's Global's Stephane Ngali.