PayThink

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.

Smaller banks are often not taking the extra step beyond traditional functions such as online bill pay, writes Alberto Hernandez, COO for the U.S. region at Valid.

While there’s been dramatic innovation in the banking sector in recent years, regulators and startups can better collaborate around these developments.

Many kiosk manufacturers focus on cost and manufacturing efficiencies, placing little to no emphasis on experience architecture — where the physical meets the digital in design and engagement, writes Scott Reese, chief technology officer at Harbor Retail.