PayThink

Familiar with personalized offers and options from other industries, patients are tired of a one-size-fits-all payment model, says Visitpay's Kent Ivanoff.

A Biden-appointed comptroller could refocus resources and attention to these issues and put less effort into fighting the ongoing fintech charter battle.

The permanent shift to digital also requires changes in how firms communicate with consumers, says Medallia's Diane O'Hara.

It's important to consider difference uses and types of blockchains based on need and project management strategy for financial and payment technology, says Worldline's Hubert Marteau.

Brian Brooks, the acting comptroller of the currency, used a selective (and dubious) interpretation of the Dodd-Frank Act to argue for more say on when banks can preempt state law.

Many consumers started using digital payments out of necessity once the pandemic struck. They may continue as it recedes because they like the convenience.

During the crises, most of the investment is going toward mature fintechs, creating more challenges for startups, says Global Processing Services' Richard Hodgson.

As risk rises and budgets tighten post-pandemic, training all employees about security risks and conducting quarterly penetration tests helps to offset threats and potential losses.

By upgrading permissions and defining access, firms can get ahead of the new threat, says vArmour's Marc Woolword.

With one study showing consumers racking up additional credit card debt this season, some members may be eager to consolidate their balances in the year ahead.