Data and information management

The $2.6 trillion-asset bank's recent commitment to digital lending augurs the development of a two-tier market for borrowers who want fast access to cash.

Security companies are using technology to stop more complex fraud based on a smaller amount of data, and investors are taking notice.

JPMorgan CEO Dimon says banks are putting Silicon Valley to shame … in terms of diversity; Uber’s plan to replace its CEO with a woman seems to be sputtering; and Yellen’s potential successors also are all men.

The business world has been seeking the benefits of distributed ledgers but worries about security, control, privacy, performance and other issues. Microsoft says its new Coco framework will solve all these and more.

The ransomware threat is likely to get a lot worse before it gets better — if it ever does. And small merchants and ATMs may be the most at risk.

A look at how some CUs are using data analytics to improve operations and boost business.

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.