PayThink

Open banking or connections to payment apps and fintechs helps financial institutions meet these customer needs in a number of ways that can help them build that customer relationship, writes Maria Allen, global head of financial services for Unisys.

Critics have knocked the product, which provides workers access to their wages before payday, as another form of predatory lending. But California has a new bill that would create a legal framework for this short-term lending alternative, and policymakers elsewhere should follow the state's lead.

The credit union movement is uniquely positioned to partner with the U.S. Postal Service as a way to increase consumers' access to affordable financial services.

Companies must be more prepared to defend user data from malicious outsiders, or suffer the consequences of lawsuits, sanctions from data privacy laws, decreased user trust, tarnished brand reputation, damaged investor relations and more, writes Ben Goodman, vice president of global strategy and innovation at ForgeRock.

Digital consumers and merchants are born as well as made. Payments play a key role in driving simpler, smarter and more customized experiences, writes Stefan Merz, COO of PPRO.

There's been chatter about whether the government-sponsored enterprises should be considered systemically important. But supporters must consider that such a designation would put the Fed in charge of their supervision, a step that would do more harm than good.

New technologies can increase lending and reduce risk but many management teams don't know where to begin with implementing them.

Facebook and Google were scammed out of more than $100 million, though artificial intelligence can help firms improve security, according to Anant Kale, founder and CEO of AppZen.

Payment network tokenization should sound appealing to every online retailer because it relieves friction and releases them from much of their risk, liability and compliance burden. The trick is achieving scale from both a technical and business agreement perspective, writes Ammar Faheem, vice president of digital payment solutions for North America at Gemalto, a Thales company.

Community and regional institutions' survival could hinge on their ability to access large troves of data.