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2015 was the year EMV began taking hold at the point of sale, with effects that rippled through nearly all other payment channels. Here's a look at how the payments industry is adapting to the changes brought on by EMV-chip cards.

Sen. Richard Shelby, R-Ala., has a limited window to move his regulatory reform legislation next year, after failing to secure passage for the bill as part of the budget fight.

Though Apple grabbed the early worm in mobile payments, combining an intuitive mobile system for consumers with the buy-in of major financial institutions and merchants, the first-mover advantage never seemed to materialize.

Next year, look for banks to finally start putting mission-critical applications on public cloud services, with Capital One leading the way.

F&M Bank in Clarksville, Tenn., has named Tennessee banking veteran Brad Barrett to its board of directors.

After being elected to the Glendora City Council in March, Mendell Thompson, president and CEO of $303 million America’s Christian Credit Union, was able to make an immediate positive impact for local CUs.

Customers Bancorp in Wyomissing, Pa., plans to raise $30 million in an aggregate offering of its common stock.

The age of Google Glass may be over, but 2015 saw wearable technology emerge in more subtle forms such as watches, rings and other items that appear more trendy than geeky. The payments industry is working to make the most of this fashionable trend.

The more aggressive nonbank lenders are attracting top producers by essentially allowing loan officers to set their own rate of pay. While so-called "pick-a-pay" compensation plans are not illegal, critics say they can encourage loan officers to steer consumers into more expensive loans in order to increase their own pay.

The concept of a multi-merchant rewards program appeals to cardholders, but the widely advertised Plenti program managed through American Express has not yet reached its potential, according to new data from Auriemma Consulting Group.