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Getting the most detailed picture calls for a multilayered approach that leverages the most effective elements of in-house and outsourced solutions, writes Monica Eaton-Cardone, COO of Chargebacks911 and CIO of its parent company Global Risk Technologies.

A new European Union directive guarantees that third-party providers can access bank customers’ account information. The requirement will trigger a new revolution in financial services in Europe that U.S. bankers should be tracking.

By deploying voice biometrics, organizations including large banks, government agencies, telcos and retailers can not only make the process of authentication easier, but also can protect their customers’ identities from being compromised in the case of a hack, writes Brett Beranek, director of product strategy at Nuance.

Major retailers accept bitcoin, and BitPay reports that it will process more than $1 billion in payments this year. Even McDonald's is reportedly considering that it will accept bitcoin payments, writes consultant Collin Canright.

It was a good year for CIT’s Ellen Alemany and JPM’s Sandie O’Connor, but Arjuna Capital’s Natasha Lamb hopes next year will be better. Mary Mack gets a bigger role at Wells Fargo, and Zoe Cruz gets a new one at Ripple. Plus, is Harvey Weinstein really Meryl Streep’s fault?

Companies like Visa and Mastercard make decisions about security in secrecy, without enough input from banks and merchants.

Analytics can customize experience for consumers and allow consumers to customize the experience for themselves, writes Matt Wilcox, senior vice president of marketing, strategy and innovation for digital banking at Fiserv.

Bitcoin, the “gateway currency,” is but one application in an enormous pool of possibilities that blockchain technology presents, writes Alexander Koles, CEO and founder of Evolve Capital Partners.

Businesses should not only focus on securing payments that come through, but also pay attention to account creation and logins to prevent them from becoming additional vulnerable points of exploitation, writes Justin Lie, CEO of CashShield.

The economy is ripe for another downturn in the months or years to come, and banks shouldn’t be lulled into a false sense of security.