Merchant

Readers react to the Federal Housing Finance Agency considering changing its credit scoring policy, slam the possibility of enforcing mandatory penalties for data breaches at credit reporting agencies, weigh the possible nomination of a credit union regulator to the CFPB, and more.

Diebold Nixdorf has developed new technology to streamline and personalize the shopping and checkout experience at stores and restaurants.

One of the options for brick and mortar to strike back at e-commerce is real-time in-store analysis, where nascent technology gives consumers the a personalized experience without stopping to pay or engage with staff.

Many organizations wait for a customer request before they will convert a document to an accessible format and do not advertise the fact that they can offer accessible documents, so many customers don’t realize they can request them, writes Ernie Crawford, president, CEO and founder of Crawford Technologies.

As new cryptocurrencies swarm the market, retailers have to be disciplined in which they accept — if any.

While the intermediaries that record and verify transactions such as payments are removed, the remaining parties may not be ready for shifting responsibilities to guarantee transactions, writes Sebastian Venderzeil, a director at Cornerstone.

The Colorado-based credit union will disburse payments to members all year long.

The two senators are set to introduce a bill that would force such firms to pay $100 per customer whose personal information was compromised.

New models are emerging, including joint initiatives between established banks and new alternative lending players, as well as those incorporating blockchain and cryptocurrencies, writes Eugene Green from WishFinance.

A reverse auction service for restaurants is trying to ease the industry's costs through a decentralized payments system.