Data and information management

West Milton State Bank uses biometrics for employees to log in to workstations, saying it is quicker and more secure than passwords.

The difference between regular credit card applicants and fraudsters is experience — scammers know their way around an application form.

Point-to-point encryption (P2PE) advanced with the Payment Card Industry data security standard's updated guidelines in 2015, but the technology has not held the spotlight much since then.

As banks press for deregulation, the debate over whether high bank capital standards are inhibiting loan growth has taken center stage.

Do customers want to log in to mobile banking by snapping a picture of their eye? Bank of America will spend the next six weeks finding out.

Quantitative investors, starved for trading signals that can be spun into gold, are pressuring the finance firms they work with to grant them access to proprietary information.

Digital blockchain tokens can be naked instruments for profit-sharing among investors, but other types are directly linked to building network infrastructure. Their creation and sale must be unimpeded by regulation.

Using historical patterns to predict the next financial success or crisis seems rational. But beware the human psyche’s tendency to concoct order out of randomness.

Under PSD2, banks are expected to admit all vetted comers, but how they will connect to them is up to the individual parties, writes Raz Rafaeli, CEO of Secret Double Octopus.

If everyone has a universal digital identity, the documents that identify us in the physical world will no longer be necessary, writes Michael Gorriz, group chief information officer for Standard Chartered Bank.

As the digital age reduces the wear on physical cards, how is it that some consumers are requesting new cards more frequently?

Readers react to USAA teaming up with Amazon’s Alexa, how a new Wells Fargo’s scandal could affect arbitration rules, a digital identity startup’s ambitions, and more.

A "smart" token is a regular token on steroids, transmitting the information needed to authorize the transaction together, including enhanced counterpart identity, transaction and invoicing data, writes Marten Nelson, vice president and co-founder of Token.

Enticements such as rewards, loyalty points and coupons seldom face pushback as a marketing concept, but there's been recent concern that these programs are devouring potential revenue from consumers who would be willing to pay full price.

San Francisco-based startup UnifyID is developing an “implicit authentication” platform that requires no conscious actions by users to authenticate identities, and it’s just closed $20 million in fresh funding to support its growth.

Digital blockchain tokens can be naked instruments for profit-sharing among investors, but other types are directly linked to building network infrastructure. Their creation and sale must be unimpeded by regulation.

A jumble of security vendors and lack of cohesive planning weaken many banks’ cybersecurity defenses, experts say.

Christine Duhaime, an anti-money-laundering attorney in Toronto, lays out the reasons banks should become early experts (and assist) in initial coin offerings. She also lays out the risks, especially in the wake of the SEC’s report suggesting some ICO tokens are really securities.

As the digital age reduces the wear on physical cards, how is it that some consumers are requesting new cards more frequently?

Large banks like Wells Fargo have started using "cyber ranges" and "red teams" to respond to real cyberattacks on virtual versions of their real systems.