Special Program Root Tag

A court decision brings much needed clarity to the complex world of money transmitter licensing by holding that the transmission of information alone is not engaging in the business of money transmission under Pennsylvania law, writes Anita Boomstein, a partner with Manatt, Phelps & Phillips, LLP.

Many businesses mistakenly see alternative payment methods as only for consumers, but there are use cases for B2B, argues Pat Bermingham, CEO of Adflex.

Apple Card's user experience will pressure contactless and digital wallet innovation, an area where banks have already fallen behind, contends MyGini's Mehmet Sezgin.

The pressure on banks, financial institutions and payment service providers to act as effective gatekeepers in the fight against financial crime is intense. Real-time payments considerably complicates that challenge, writes Sophie Lagouanelle, head of solutions at Accuity.

AI can ease shortfalls in legacy processing and risk systems, contends Deep Labs' Michael Lynch

Fraudsters are getting clever about beating authentication for returning users, says NuData Security's Robert Capps

Compliance can be complex and expensive, but failure puts merchants at risk, says FIME's Christian Damour.

Banks are increasingly turning to outsiders like Nikki Katz, a former Disney executive now at Bank of America, and Joel Kashuba, formerly of Procter & Gamble and now at Fifth Third, to help build their digital experiences.

Facebook’s Libra shows technology companies are a far greater threat to a bank than other banks, argues Token.io’s Marten Nelson.

Amazon’s move pressures other merchants to add speed to e-commerce delivery while adding a few more steps to vet payments, writes Monica Eaton-Cardone, COO of Chargebacks911 and CIO of its parent company Global Risk Technologies

Christine Lagarde, the head of the International Monetary Fund, refuses to attend any meetings in which she would be the only woman; Sallie Krawcheck says the fact that women still are paid less than men is partly the fault of society at large; and more in this week's WIB Scan.

U.S. merchants need to do their research now, seek independent legal advice, and work with their payments provider to determine their exact needs and next steps in order to stay compliant and not risk losing revenue, says Worldpay's Jonathan Dranko.

Today’s employees bring their own devices to work, split their time across multiple screens, and can conduct their jobs from anywhere. Business pay has to match that reality, says Billtrust's Flint Lane.

Banks don't compete with each other enough to effectively lead the move to faster payments in the U.S., argues CMSPI's Mark Horwedel.

There’s a long list of reasons traditional lenders haven't kept up with the needs of entrepreneurs, says Judith Erwin, the head of Grasshopper Bank in New York. One is not asking for enough feedback.

Both are useful, but each has specialties in protecting different types of transaction processes, according to Rambus Payments' Andre Stoorvogel.

Investment in B2B fintech startups has been ramping up for the past couple of years, and in the next year we’ll start to see businesses reaping the benefits of the fintech wave, says Nvoicepay's Karla Friede.