PayThink

Traditional lenders must embrace fintech underwriting tools that would help women- and monitory-owned businesses get loans they are too often denied.

A limited federal government constrained by the Constitution and conservative courts can’t easily exercise broad authority over digital finance, says DailyPay's Matt Kopko.

There's going to be a strong emphasis on the creation of financial products underneath innovative, customer-centric innovation from big tech companies, says FIS' Raja Gopalakrishan.

The assertion by former Goldman Sachs executive Gary Cohn that smaller banks won't be viable in a high-tech world overlooks their success in partnering with fintechs, according to the Independent Community Bankers of America.

As fraud continues to rise, there are a series of steps merchants can take to bring themselves into PCI compliance, says Qualpay's Penny Townsend.

Institutions that cling to outdated lending tools run the risk of being left behind by commercial clients who are barraged with opportunities to borrow faster and more conveniently.

Compliance can't be a bolt-on solution. It's critical to build it in from the start, across your people, technology and partnerships, says Hummingbird's Joe Robinson.

The Department of Justice can still investigate and arrest the developers behind the automatic transactions, says Exante's Anatoliy Knyazev.

Businesses continue to demonstrate that they are no match for criminals’ swift ability to hijack vulnerable personally identifiable information or socially engineer victims into payments fraud, says Giact's Kimber Johnson.

With face-to-face service altered, banks need to improve their data game to build new payment services, says Tealium's Heidi Bullock.