PayThink

It's not just new transaction rails, but the speed of innovation has increased, says Hangar 75's Ian Wilding.

There's a wide range of uses for decentralized finance and related blockchain tech, says Wirex's Yves Renno.

Heritage Southeast Bank in Georgia will become the latest community bank to stop paying federal taxes when it merges into VyStar Credit Union later this year. It's time for Congress to investigate this consolidation trend and its impact on taxpayers.

The growth in e-commerce has opened new avenues for crooks, with better tech, compliance and educated consumers needed, says Ecommpay's Paul Marcantonio.

The unfortunate reality for merchants and their customers is that swipe fees have continued to increase because the payment card market is broken, says payments consultant Mark Horwedel.

While U.S. regulators pressure Visa and Mastercard, there's ample choice, particularly when compared to the national debit rails that exist in most of the world, says Intrepid Ventures' Eric Grover.

The agency has suggested it could go beyond enforcing fair-lending laws to urge financial institutions to help narrow the wealth gap. But those very same laws pose obstacles to achieving that goal.

There's often more guidance on what not to do than what to do, says Texture Capital's Richard Johnson.

User experience and efficiency matter. Consumers aren't going to do something more difficult just for the technology, says Computop's Jed Danbury.

Too many Americans lack a sound grounding in personal financial management, which limits their opportunity to build long-term financial independence.