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Firms often say they’ll increase conversion rates and offer discounts, but the reality is more complicated, contends 2Checkout’s Erich Litch.

Tanushree Luke played a key role in Capital One's use of a conversational artificial intelligence technology known as Eno, and she previously worked for the U.S. government's Defense Advanced Research Projects Agency.

Ant Financial's success is instructive in the way it developed products that reach many different areas of their finances. And it's hardly the only success story to come out of the Asia Pacific Region, says Rapyd's Eric Rosenthal.

A cloud of biometric authentication is what will transport us to our own, even better version of the real-time payment-enabled future, says Enacomm's Michael Boukadakis.

By understanding how bias becomes embedded in how we lead, recruit and advance others, we can change patterns and create inclusive organizations, says Wnet's Lisl Dutterer.

By using host card emulation, issuers can gain more control over their own mobile payment apps, says FIME's Christian Damour.

If elected president, Sen. Elizabeth Warren would charge large banks a fee to help pay for her Medicare-for-all plan.

To lay the groundwork for future success, retailers need to create a digital currency strategy. Most retailers and online brands are aware they need a digital currency plan but don't know where to start the process, says cryptocurrency lawyer Felix Shipkevich.

AI can be utilized for back-office efficiencies like conducting compliance tasks and automating manual, paper-based processes. This redirects resources and human capital in a way that is likely to increase productivity, says Episode Six's John Mitchell.

Revenue growth, especially at scale, is never an accident, and requires a different approach to payments management, says Chargebee's Krish Subramanian.

Banks and smaller businesses are simply not ready, says SmartTrade App's Kent Vorland.

Consumers needed payment platforms that could handle internet payments, and startups quickly filled the void, says Chief Outsiders' Mark Coronna.

As the number of payment types and channels increase, manual processes to handle fraud can rapidly become unmanageable, says The ai Corporation's Oliver Tearle.

Nobody will be keen to go toe-to-toe with the Fed, which is the financial systems’ paramount regulator and central bank with virtually unlimited resources, says Intrepid Ventures' Eric Grover.

With data collection, just because you can doesn’t always mean you should, says Equiniti's Sarah Jackson.

Regulatory bodies are making modifications to disclosure requirements with greater frequency, requiring issuers to spend time and money to make updates across what is often a complex mixture of products, communications and channels, says Messagepoint's Fred Harding.

Big succession moves dominated the industry headlines in the past few weeks, as women claimed key chief leadership titles.

Digital payments and new financial services add complexity to the rules, says Joel Sherwin of Weinberg Gonser LLP.

Citigroup promoted Jane Fraser to president, its second-highest post, making her a likely candidate to succeed CEO Michael Corbat and someday become the first woman to run one of the largest U.S. banks.