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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.

In her first four and a half months, Kathy Kraninger met with lawmakers more than twice as often as her predecessor, but her schedule demonstrates willingness to meet with industry and policy stakeholders from various camps.

The technology is too geared toward consumer use and leaves businesses out of the mix, argues Matt Johnner, president and co-founder of BankLabs.

As bots dominate new internet traffic, their ability to help crooks launch account attacks and exploit personal information has never been higher, says NuData Security's Robert Capps.

EMV 3DS is no longer just for payments. The use cases for identification and verification (ID&V) are expanding, so the scope of EMV 3DS has become much broader to include adding cards to a digital wallet, open banking services and financial services apps, etc., writes Jean Fang, product manager at Fime.

Distributed ledgers are already revolutionizing international transactions and trade finance. The added stability will bring about even greater adoption, argues Neutral's Matt Branton.

The 8-BIN migration will be here sooner than many financial institutions believe. Fortunately, even for those institutions that haven’t started planning for the migration, there is enough time to limit confusion, lost revenue and customer churn, writes Member Access Processing's Carol Logan.

New project models and the cloud can serve as an alternative to payment and financial services technology strategies that benefit larger banks more than small institutions, argues Vinay Prabhakar, vice president of product at Volante.