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The agency's new leader began her career as a part-time night-shift package handler for UPS in Chicago.

Sidhu, who co-founded the digital-only unit of Customers Bancorp, replaces her father, Jay, who will remain executive chairman. The bank is also rolling out a new service that allows direct-deposit to customers to access their paychecks two days before they are paid.

Most banks already have the means to communicate directly with customers, in the form of a mobile banking app or email. It’s just a matter of putting those channels to good use. Targeted discounts and perks reduce shopping costs, and therefore customers’ stress, says Flybits' Justine Melman.

Akin to the democratization of computing power through personal computers, the growing use of AI will continue to fuel new products and services in payments and have a significant impact on society. But AI will also introduce tremendous challenges due to its potential use by threat actors, says Visa's Paul Fabara.

Traditional phishing attacks on email are easier for most users to spot, causing crooks to migrate to new venues, argues The ai Corporation's James Crawshaw.

Several former high-level Wells Fargo executives are under criminal investigation in connection with the bank's fake-accounts scandal and could be indicted as soon as this month.

In what’s been named the “fourth Industrial Revolution,” the opportunity for fintech to continue to disrupt the payments landscape and deliver solutions that move money quickly and securely will only continue to grow, says AvidXchange's Dan Drees.

Stablecoins, with their instant settlement and high liquidity, averts the issues that have long plagued cross-border transactions

Automous delivery is a long-term solution, but more creative fulfullment's needed in the meantime, says Roadie's Marc Gorlin.

The social network could achieve many of its goals by working within newer bitcoin protocols, says The Bitcoin Association's Jimmy Nguyen.

Cold, hard currency is still a crucial part of a competitive payments strategy, particularly in massive markets like Indonesia, Korea, Japan and India, says Rapyd's Joel Yarbrough.

Financial institutions should fully disclose their board composition to begin tackling diversity problems at the top.

The current climate is akin to the wild west, with little protection for the consumer, and new regulations are needed if the technology is to continue to expand in a safe and sustainable way, argues Mitek's Stephen Ritter.

Susan Riel succeeded Ronald Paul as CEO of the Maryland bank shortly before questions surfaced about credit quality and lending practices.

The technology has graduated from early movers and is large enough to make a difference in authentication, argues Findora's Charles Liu.

New, risk-based technologies powered by AI and machine learning (ML) enable financial institutions to analyze transaction, device, geographical and behavioral data to make real-time security decisions, detecting and preventing fraud as it happens, says OneSpan's Michael Crichton.

Now is not the time for the government to cut Federal Housing Administration premiums and enter new segments of the housing market.

By adding strong authentication to the “tap,” consumers can benefit from greater security without harming the user experience of contactless. Or slowing throughput time for merchants, says Fingerprints’ Lina Aondolf-Orup.

The big acquisitions of 2019 have created an environment for more deals to come, says FICO's Tim VanTassel.

The morphing of e-commerce and brick and mortar technology will require strategies that address both at the same time, says Zoomd's Omri Argaman.