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The information you need to start your day, from PaymentsSource and around the Web. Today: Apple and Salesforce collaborate; Bread draws investment; U.K. payment project takes shape; Australia cracks down on ICOs.

The STATES Act allows the industry to resolve conflicts between state and federal laws by granting legitimate cannabis companies access to the financial system in marijuana-legalized states, writes Heather Peterson Altepeter, CEO of the National Merchants Association.

Visa, Mountain America Credit Union and Fingerprints AB were thrilled with their biometric card test, but also faced the grim realization that real world infrastructure may not be as accommodating.

The mass retirement of baby boomers and the growing affluence of women are the biggest disruptive forces in the industry, says Gunjan Kedia. Here's how she's dealing with them.

In five years, Moy has built from scratch a thriving business unit that is focused solely on developing easy-to-use, customer-facing technology for U.S. Bancorp's wealth management clients.

JPMorgan's chief cautioned against expanded regulation for big companies, arguing that businesses contribute to the economy.

A proposal to let certain thrifts operate like national banks blurs the line even further between the two institution types.

USAA will be eliminating 265 home sales and lending positions, but it already has offered nearly 100 of the affected workers different jobs within its mortgage unit.

Congress is considering additional tax reform, while the NCUA board is taking comments on a proposed rule to ease appraisal limits and more.

Zelle doesn't require a bank or credit union to participate in its network to allow it to receive funds; so even Zelle holdouts will see some activity on their accounts. This allows credit unions to compare members' demand to usage, and to determine whether signing up with Zelle is worth the trade-offs.