PayThink

North Korea and other rogue actors present a whole new threat to transaction security, says Capco's Julien Bonnay and Bryce VanDiver.

There are ways to remove bad actors from the industry — such as reinstating the Consumer Financial Protection Bureau’s payday lending rule and banning certain fees and collection practices — without hindering consumers’ access to emergency credit.

Humans have come to expect experiences that are simple, efficient, quick, error-free and secure, says Bottomline Technologies' Jessica Cheney.

The pandemic has brought new users to the technology, making a simpler experience more important, says Tappit's Jason Thomas.

It's crucial small businesses continue to expand user experience improvements made during the first year of the pandemic, says NMI's Nick Starai.

EPI could potentially provide a bedrock for future European payments innovation. It arguably does not go far enough, says Icon Solutions' Michel Vaja.

There are signs that participation in cardholder loyalty offerings is slipping. Credit unions must reengage members if they hope to retain those accounts.

Some bank regulators are allowing companies that offer digital currencies to apply for a charter, potentially giving them a path to the Federal Reserve system without proper oversight.

Slow settlement on traditional rails can cause dangerous delays in moving funds, says AppBrilliance's C. Eric Smith.

Banks need to adjust their money laundering protections to comply with tough new rules in the U.S., says Genpact's Manish Chopra.