Technology

The accounts — which eschew paper checks and overdraft protection — appeal beyond the low-income customers they were intended for; lenders are embracing artificial intelligence systems to analyze more data to determine creditworthiness.

The payments process isn’t about just checking a box or signing a check anymore; it’s about cultivating genuinely beneficial relationships for all involved that build trust and drive growth, writes Ravi Thakur, senior vice president of business acceleration at Coupa.

Banks, retailers and technology companies have spent years relentlessly working to replace cash with plastic, digital or mobile alternatives. And cash has hit back hard.

Readers respond to Wells Fargo's latest fine, weigh Sen. Elizabeth Warren's potential bid for president, consider how banks are preparing for climate change and more.

The technology does not yet exist, but in the not-too-distant future it could fundamentally transform how many organizations do business.

LendStreet is looking to break the circle of debt that often arises when struggling borrowers try to consolidate what they owe.

A digital exchange opening next week will enable investors to trade in companies including Apple Inc., Facebook Inc. and Tesla Inc. outside of the U.S. even when the stock markets are closed.

Last year, Microsoft Corp.’s Azure security team detected suspicious activity in the cloud computing usage of a large retailer: One of the company’s administrators, who usually logs on from New York, was trying to gain entry from Romania. And no, the admin wasn’t on vacation. A hacker had broken in.

Leveraging the trust relationship the bank already enjoys with its customers, based on robust security, engagements can go beyond run-of-the-mill transactions, writes Sherif Samy, senior vice president of North America at Entersekt.

By adopting faster payments, businesses have more flexibility to make last-minute payments and emergency payrolls, or gain a larger window for early-payment discounts.