Technology

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

Chinese's largest online payments company to get a footprint in the U.S.; Believers in blockchain bemoan the lack of global cooperation.

The third party wallets and mobile point of sale systems are advancing, making the next year the right time for merchants to work on strategies to improve user experience at checkout.

Facebook now lets users log in using a physical token. If banks gave consumers this option, it would strengthen the security of online accounts — or at least bolster their image.

Banks want and need to rival tech giants in their use of customer analytics. Some think artificial intelligence is the key to making it happen.

As Facebook users increasingly deal with personal and payment data, the social media giant is turning to the Security Keys standard hosted through the Faster Identity Online Alliance for stronger authentication.

Since the dawn of online bill payment, billers and banks have been waging war to handle the payments on their own sites. At last, a victor may be emerging.

The method is still based on paper money, but the model includes steps that get consumers ready to adopt e-commerce. Given the region's smartphone penetration, that's an inevitability.

Amazon and other e-commerce disruptors are turning long-held retail models upside down, but in doing so they create a lifeline for retailers who see them as an opportunity rather than a threat.

The deal points a way forward, not only to resolve the debate over screen scraping and ownership of customer data but to redefine banks' value proposition.