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It won’t be enough for retailers to have a physical store presence or a solid e-commerce strategy without also incorporating a comprehensive communication plan, says Criteo's Tim Rogers.

A number of reasonable changes to the National Credit Union Share Insurance Fund could help NCUA avoid charging premiums.

By allowing access to public chains, CBDCs could render much greater, and even revolutionary, functionality, says Cypherium's Sky Guo.

Retailers and merchant acquirers need to adjust to new media in the new year, says Zycada's James Brear.

Especially in a remote environment, the ability to adapt within days to shifting call volumes, different call center locations, new agent groupings, or utilizing a configurable interactive voice response system cannot be underestimated, says Genpact's Jason Osborne.

People with scores below 500 are often in communities that suffer the most from economic hardship and violence. Banks and regulators can do more to qualify them for financing, ultimately creating healthier local economies.

Lenders should be prepared to act quickly and decisively, leveraging the power of technology, innovative lending approaches, low interest rates and renewed commitment to small business funding, says LendingFront's Jorge Sun.

Controversies over trainings that address white male privilege detract from the important role DEI initiatives play in helping the country move forward.

Jobs will be harder to find for graduates, and there are new underwriting platforms that can better predict students' future income in their chosen field.

Using AI can manage both privacy and security as part of AML reform, says Giant Oak's Gary Shiffman.