PayThink

Users don’t have all the tools they need to ensure the security of their mobile devices, so it’s all the more important for providers of mobile financial services to help users by hardening mobile apps with technology, writes Samuel Bakken, senior product manager at OneSpan.

There’s currently a focus on investing in technology and data to remain competitive, but financial firms also need to ensure they are helping workers adapt, argues Synchrony’s Margaret Keane.

The Financial Stability Oversight Council should adopt measures that help vulnerable communities.

The scope of customer experience spans multiple products and services that comprise the merchant technology and payment service ecosystems, according to Paul Perry, a contributor for the technology company Relay.

Traditional loyalty programs provide customers with tangible benefits, such as a free item with purchase or a reward for return visits. But these are limited in reach, argues James Roedding, vice president of product and data Rewards Network.

The government-sponsored enterprises have continued to expand over the past decade, despite being in conservatorship. New leadership at the FHFA should reverse this trend.

These programs are becoming a more common employee benefit but many lack some of the tools users need to be successful.

Although slow to catch up, issuing banks are well placed within the payments ecosystem to capitalize on short-term credit provision — in fact, they can be the biggest winners, argues Mehmet Sezgin, CEO and founder of myGini.

Before we can advertise the security benefits of digital wallets, we have to address their vulnerabilities, writes Jared McClure, co-founder and COO of CrayPay.

Robust public discussion from a diverse array of stakeholders has informed regulators working to reform the Community Reinvestment Act, but it has also included some misleading claims, writes a top OCC official.