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The Most Influential Women in Payments are the ones taking risks with new ideas and investments, and developing the technology that will forever change the way people handle money. Not only do they set an example for their peers, they are unafraid to learn from newcomers and are diligent about encouraging a freshness and diversity of ideas.

Throughout her payments technology career, colleagues have pointed to the steady hand of Archana "Archie" Puri as one of her key traits.

Even though Racy Morgan may have learned about financial services, payments and management as part of her education, her career's foundation is more firmly set in her real-life experiences as an immigrant from India living in the U.S.

This year will mark 10 years since Martina Hund-Mejean was named chief financial officer of Mastercard, and it has certainly been an eventful decade.

An unlikely turning point in Paulette Rowe’s journey to become a top payments executive came many years ago, during the summer she spent working with a group of men in the engineering division of a French piston manufacturer, feeling completely out of her depth.

Serena Smith's never-say-no attitude is emblematic of her passion and perseverance.

In her work as a data scientist for several payments startups, Afra Khan's key skill is leveraging fast-evolving technology tools to analyze consumer financial behavior and block fraud before it strikes.

Kroger payments chief Kathy Hanna is helping to drive a digital transformation of how consumers engage the supermarket chain.

Janet Estep has been one of the most visible figures in the faster payments movement, battling for years to get reluctant banks on board with this vision.

There’s no substitute for standing in the other person’s shoes in a bank-customer encounter, says Heather Lamont.

TSYS lured longtime U.S. Bank executive Pam Joseph out of retirement to help steer the company's evolving business strategy as it morphs into a multi-channel merchant services provider.

Consumers are worried about paying bills on time and want the convenience of real-time payments, making e-bills an important option for financial institutions.

Chip cards have decreased card fraud, but online fraud is on the rise. By asking the right questions, merchants can find payment partners that can fight the fraud migration.

Connected devices are expanding quickly, as are payment apps. The combination may make following commerce and security mandates harder in the future.

Banks have traditonally lagged behind in embracing innovation, though blockchain provides the opportunity to quickly ramp up digital services.

Digital payments can make travel payments easier and boost financial services in emerging markets. In some cases, it's doing both.

Square Inc. said it acquired startup OrderAhead’s dining pickup website and app that allow people to place take-out orders and skip the line at restaurants.

Digital transactions tied to travel are growing quickly, putting pressure on airlines to support third party mobile wallets and other e-commerce options.

Melanie Dressel was one of the most highly respected bank CEOs in the business. She was also an all-around exceptional person.

The regulations follow a series of web attacks and data breaches, and require vigorous defense, reporting and response strategies.