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In what’s been named the “fourth Industrial Revolution,” the opportunity for fintech to continue to disrupt the payments landscape and deliver solutions that move money quickly and securely will only continue to grow, says AvidXchange's Dan Drees.

Despite the convenience wearable payments hold, there are still obstacles that remain. Some factors are cultural, such as cash usage, or even more deep seated in the human mind, such as concerns over security.

Stablecoins, with their instant settlement and high liquidity, averts the issues that have long plagued cross-border transactions

The largest digital token has posted gains of more than 9,000,000% since July 2010, according to data compiled by Bloomberg.

Pennsylvania-based Wawa recently discovered malware that may have been in place since as early as March. The chain has locations throughout the East Coast, meaning members of hundreds of credit unions could have had their cards compromised.

The technology has graduated from early movers and is large enough to make a difference in authentication, argues Findora's Charles Liu.

New, risk-based technologies powered by AI and machine learning (ML) enable financial institutions to analyze transaction, device, geographical and behavioral data to make real-time security decisions, detecting and preventing fraud as it happens, says OneSpan's Michael Crichton.

Innovation is showing little sign of slowing, creating both myriad benefits and risks moving ahead, says Visa's Paul Fabara.

Consumers face significant risk if this highly personal information is exposed, says Mitek's Stephen Ritter.

It can be a painful process for a bank to go digital, but there are ways to ease the transition.