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Facebook's Libra, or GlobalCoin, will be cryptocurrency's largest test — fueled by a collection of huge investors that will determine if mainstream merchants and consumers will actually use a payment system featuring an alternative currency.

Dutch banks ABN Amro, ING and Rabobank have started transferring their ATMs to the Geldmaat network in the Netherlands to address the decline of cash use among its customers, while continuing to make it available.

EMV 3DS is no longer just for payments. The use cases for identification and verification (ID&V) are expanding, so the scope of EMV 3DS has become much broader to include adding cards to a digital wallet, open banking services and financial services apps, etc., writes Jean Fang, product manager at Fime.

Many CUs feel they can't compete with banks' technology offerings, but the right strategies and investments can help institutions of all sizes stand out in a crowded marketplace.

There are clear actions that regulators at the CFPB, SEC and FHFA can take to help attract investors into the housing market, argues former FHFA Director Ed DeMarco.

The information you need to start your day, from PaymentsSource and around the Web. Today: Revolut expands to Australia; Los Angeles upgrades transit; FirstBank signs on for real-time payments; Facebook invests in Meesho.

A shrinking bank landscape is creating potential opportunities, but analysts are mixed as to whether credit unions will see any growth as a result.

Distributed ledgers are already revolutionizing international transactions and trade finance. The added stability will bring about even greater adoption, argues Neutral's Matt Branton.

A huge portion of European companies will not clear PSD2's regulatory hurdles for digital connections between banks and payment apps, but that hasn't slowed down some companies that see value in open banking and payments.

Readers respond to BB&T-SunTrust's rebranding, consider the future of home equity loans, debate the number of credit unions buying up community banks and more.