PayThink

Not only are cryptocurrencies treading deep into the muddy waters of regulation, but they still lack the trust of most of the banked population, says Tidal Commerce's Drew Sementa.

With customers now having the opportunity to onboard across multiple devices and channels, or even through a call center, the likelihood of an inconsistent experience is drastically increased, Neal Keene of Intelledox says.

In theory, the beauty of e-commerce is that a merchant can court any shopper in any part of the world with an internet connection. In practice, attracting a shopper and providing them with the customer experience they expect will look different in every country, says Lee Clifton of JP Morgan Merchant Services.

With customers now having the opportunity to onboard across multiple devices and channels, or even through a call center, the likelihood of an inconsistent experience is drastically increased, says Intelledox's Neal Keene.

In some cases bankers' willingness to close branches and cut staff is a testament to their company's strength.

As merchants and fraud prevention specialists develop new strategies for fighting fraud, organized criminals find new vulnerabilities to exploit, a trend that shows no sign of letting up, says ClearSale's Rafael Lourenco.

Third party and payment attacks are an expanding threat, says says Jscrambler's Rui Ribeiro.

Instead of imposing interest rate caps, policymakers should require online lenders to provide clear disclosures and promote partnerships with banks.

Credit unions must do a better job focusing on how members interact with the institutions chartered to serve them.

'Why fix what isn't broken?' is the wrong question for AP automation, where manual processes are adding labor and costs, says Nvoicepay's Ron Nachmann.