Leading financial services and tech execs say that in 2015, technology will change many things, from the way they hire personnel to the way they make loans to the way they package products. Upcoming projects — ranging from small to big — will improve the customer experience at a time when the lines between banks and technology companies continue to blur.

A Canadian startup, Koho, is poised to begin testing a mobile financial product that helps customers manage spending — think card controls that prevent late-night withdrawals to fund one round of tequila too many.

Earthport, a cross-border payments service provider, has partnered with the digital currency network provider Ripple Labs to allow enterprise businesses, including banks, to more efficiently transmit money worldwide.

Bankrate Inc., an aggregator and publisher of rate data and news related to personal finance, has acquired Wallaby Financial Inc., a firm that provides credit card reward apps to consumers.

A bank-backed platform for sharing information about cyber security threats has been released for general download.

A new partnership between Toronto-Dominion Bank and tech firm Moven underscores how banks are beginning to embrace the idea of personal financial management services for their mobile apps.

Bankers can prepare for the eventual dominance of mobile technology by investing in interactive videos and moving away from monolithic applications.

Banco del Pacifico has announced plans to deploy two types of automated teller machines to help serve the underbanked in Ecuador.

The CFPB's proposed requirements threaten to trap next-generation digital wallets and cryptocurrency innovations in a consumer protection regime narrowly tailored to the unique characteristics of reloadable prepaid cards.

CheBanca! goes further than most financial institutions to foster fintech entrepreneurs. It's not only sponsoring competitions for money and mentorship, but also working to give the young companies international exposure.

Inte Q has named Steven Kietz, a veteran of financial services companies such as Citigroup and JPMorgan Chase, its president.

The growing influence of nonbank companies poses a danger to the financial system, and perhaps a national security threat, BB&T's Kelly King says during a wide-ranging conversation among big-bank CEOs.

There is a lesson for bankers in the recent decision by Bitcoin ATM provider Robocoin to stop using biometric authentication on its teller machines.

Alternative lender FastPay, which specializes in lending to digital media startups, received $15 million from newly formed Oak HC/FT, a $500 million growth-equity fund that invests in health care and financial technology.

The online banking malware Dridex leans on an old technique, phishing, and an even older ruse, malicious macros, to steal online banking credentials from unsuspecting employees and customers.

A number of credit union and bank executives have been ignoring the National Institute of Standards and Technology's Framework for Improving Critical Infrastructure Cyber Security, waiting for the federal government to issue more definitive guidance.

Chief information officers discuss their institutions' biggest challenges, the emerging technologies that excite them the most, investment plans for 2015 and more at the FinTech Forward pavilion at the BAI Retail Delivery show.

Risk management and compliance vendors were the fastest-growing companies in the FinTech Forward top 100, reflecting the industry's new priorities.

This year, bankers seemed to remember in a big way that first-class technology is critical to their competitiveness — and relevance.

The leaders of the most successful tech companies serving the financial services industry share hints about their business and product strategies for the coming year and observations about customers' tech preferences.