Yes, bots are taking the routine calls from business cardholders, but make no mistake — these are demanding clients from around the world who phone in from loud airports, on bad connections and speak with heavy accents.

Accounts payable teams are under a mountain of invoices and have little time to process. That means costly invoice problems fall through the cracks, says AppZen's Anant Kale

Inertia or resistance to change have kept small businesses from making the move to more modern systems, says Clover's Mark Schulze.

Newcomers Nymbus, Neocova, Finxact and Technisys and older competitors like Temenos, Infosys and Oracle are winning over community and regional banks by offering what some bankers describe as more flexible technology at fairer prices.

The fintech community was both surprised and energized by recent news that Visa has agreed to acquire Plaid, one of the nation’s largest fintech platforms for financial data analytics.

Citi, Goldman chiefs say they won’t be pressured to stop financing companies based on carbon footprint; Vodafone bolts from Facebook’s digital currency project.

IBM called for rules aimed at eliminating bias in artificial intelligence to ease concerns that the technology relies on data that bakes in past discriminatory practices and could harm women, minorities, the disabled, older Americans and others.

Liability for missteps by vendors, jurisdictional headaches tied to locations of servers and legacy technology are other potential impediments.

Modernizing the bank’s app and digital-banking experience won’t necessarily result in Citigroup needing fewer people in its retail bank, CEO Michael Corbat said.

Werner Loots, the bank’s first head of transformation, is helping the bank redesign how work is done, then streamlining and digitizing as much as possible.