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In response to a series of cyber bank thefts, Swift has developed new guidance. It's a necessary first step, though banks for now are still left to fend for themselves.

Pacific Premier Bancorp in Irvine, Calif., has agreed to buy Heritage Oaks Bancorp in Paso Robles, Calif.

Merchants should check operating systems, since the PC-based operating systems which run most legacy point of sale software have security flaws and are targets for malware.

Crooks are getting more clever when hacking e-commerce sites to hide illegal activity, requiring banks and processors to developer a broader picture of merchants and payment activity.

Merchant cash advances have been controversial because of high premiums. But they can be lucrative for cash advance companies as well as ISOs.

Both major brands are accelerating a move away from traditional checkout, and all retailers need to make adjustments for the future.

The gender equality police — namely, the activists Arjuna, Pax, and Trillium, which targeted Silicon Valley earlier this year — is making moves on Wall Street now, starting with Citigroup, Bank of America and Goldman Sachs. Fed governor Lael Brainard encourages fintechs to tackle financial access and Cleveland Fed president Loretta Mester talks about the industry's past and future. Citi FinTech's Carey Kolaja celebrates its first product launch. Plus, people moves at Santander Consumer, Deutsche Bank and Bank of New York Mellon.

Santander Consumer USA Holdings in Dallas has named a former president of Ally Financial and a former Treasury Department official to its board.

Android Pay just added New Zealand to its growing list of supporting countries.

Transaction records reveal a lot about consumers that can go a long way toward building marketing campaigns that keeps them coming back.

Apple Pay users will have the option to make payments with gift and loyalty cards through an arrangement with Blackhawk Network's digital stored value system.

Deutsche Bank has hired two executives to fill newly created positions meant to foster development of fintech products.

Mobile could become the one-stop shop that banking companies never quite achieved, blending basic banking, wealth management and other services, if efforts like those underway at Citigroup's fintech unit succeed.

Bank of New York Mellon has named two women executives from the energy and technology sectors to its board.

Gen Z is coming fast on the heels of millennials. For e-commerce, payments and financial services, they have an even shorter attention span.

Visa's growth beyond plastic cards relies heavily on tokenization, a strategy that should get a major boost from its planned acquisition of CardinalCommerce.

Citi's Debby Hopkins is retiring at the end of this year and Fidelity's Abigail Johnson is taking over for her father as its new chairman. Beth Mooney, Morgan Cambern, Claire Calmejane, and other execs talk about the impact fintech has had in their jobs and why technology should be embraced and not feared. Meanwhile, Citi faces a suit from a former trader over its alleged "Bro's Club" practices.

Banks tend to respond to ATM and payment breach risks after an incident. They need to get more proactive.

Payments processor and technology provider Total System Services Inc. has begun a long-term agreement to provide debit transaction processing for Virgin Money customers in the U.K.

Another leading company in the turbulent online lending sphere has replaced its chief executive officer.