PayThink

Commercial entities could harm the dollar's value, causing harm to the economy. A government backed cryptocurrency would add balance, argues Madeline Aufseeser, a payments industry veteran.

The argument that only the federal government is up to the task is misguided.

The California Consumer Privacy Act goes into affect next year and other states are likely to follow suit. Credit unions need to evaluate their data management practices.

New tech-focused programs for employees can help banks evolve from within.

For business payments, financial institutions have the trust advantage over fintechs but are not offering an easier experience, argues Steve Robert, co-founder and CEO of Autobooks.

Warren’s plan unveiled Thursday would be the most significant rewrite of financial services rules since the Dodd-Frank Act of 2010.

Optimizing web sites to be able to accommodate more traffic must be a long-term goal, not only the special days, writes Lex Boost, CEO of Leaseweb USA.

The current overdraft rules could use some tweaks, but it should largely remain the same to protect consumers.

The system has made it easier for mobile wallets and other technology providers to enter India's payments market, and will push the next steps toward real-time payments and cash reduction, says Somya Patnaik, senior product manager at ACI Worldwide.

Artificial intelligence software could even be used to analyze and score credit transactions as is done for banking transactions, writes Monica Eaton-Cardone, COO of Chargebacks 911 and CIO of its parent company Global Risk Technologies.