PayThink

APIs and the cloud can help financial institutions reach consumers who have become accustomed to digital, says Episode Six's John Mitchell.

The retailer combines WeChat, digital checkout and coupons to reach a wider market, says Azoya's Franklin Chu.

Making gig workers’ pay automatically available at no cost each day or after each completed shift would benefit everyone, while providing a win-win scenario for the worker and platform alike, says Payfare's Marco Margiotta.

The lack of federal legalization creates processing challenges, but there are emerging solutions, says Fincann's Nathaniel Gurien.

If policymakers are serious about revitalizing low-income communities, they should require all fintechs and other nonchartered lenders to adhere to the Community Reinvestment Act.

Wherever they are, customers should be able to access their application and resume the process at a later time, says FICO's Therese Henry.

Without additional security measures, hackers can compromise multifactor authentication and wreak havoc on financial institutions and their customers.

The uncertainty and changeable environment requires lots of options, says Ivalua's Arnaud Malarde.

Community development financial institutions would reach even more underserved households and business if they had strong relationships with tech firms and national banks. Here's how the Office of the Comptroller of the Currency can foster such partnerships.

The shift to digital is permanent, creating an opportunity to reassess long-term strategy, says Greynier Fuentes.