The question for lawmakers is how to work together to make sure as many people as possible are able to take advantage of the opportunities provided by innovation, writes Brian Tate, president and CEO of the Innovative Payments Association.

Many government employees are turning to alternative lenders to bridge the gap between paychecks; the average pay at the biggest U.S. banks rose by just 3% last year, well below the CEO rate.

The industrial loan company charter is getting more attention as doubts grow about a new federal license for fintechs.

The mobile point of sale pioneer Square has done much to expand its product range to stay competitive, and a few of those efforts have made the company more of a direct threat to banks.

The mobile point of sale pioneer Square has done much to expand its product range to stay competitive, and a few of those efforts have made the company more of a direct threat to banks.

Mastercard is cracking down on merchants who bill consumers for unwanted subscriptions when a free trial offer ends — but by limiting the rule to physical goods, it's leaving a lot of potential consumer goodwill on the table.

In sectors such as health care and B2B, digital communication is rapidly shoving paper processes to the side, according to David Yohe, vice president of marketing at BillingTree.

For the U.S. to move forward, education will be required to teach users how to utilize new technology to manage their finances, says Katy Gibson, vice president of product applications at Envestnet Yodlee.

The large core banking software vendors are already criticized as large and slow-moving. Consolidations like these are only likely to make them more so.

The large core banking software vendors are already criticized as large and slow-moving. Consolidations like these are only likely to make them more so.

The numbers behind Fiserv's deal to acquire First Data are huge, particularly considering each company's existing tonnage still makes consolidation the best play when faced with nimble fintechs and mobile startups.

Credit unions and smaller banks can differentiate themselves by returning to the passion for personal service that first anchored their success, and payments are central to this strategy, according to Deborah Matthews Phillips, managing director of payment strategy at Jack Henry.

Just a few years ago, tech companies imagined a world where Bluetooth beacons would push alerts to consumers' smartphones as they walked by a store or navigated its aisles. The tech isn't gone, but it's become more subtle in how it's being used.

Caper is expanding its AI-powered shopping cart nationally as Amazon looks to build a network of up to 3,000 cashierless Amazon Go stores.

Although most consumer-facing financial institutions now offer mobile applications, that doesn’t mean that they are ready for a world where smartphones are the primary point of contact with their customers, writes Rune Sorensen, a product manager at Nets.

Its mobile banking app comes with bank accounts, merchant accounts, and instant credit on invoices. Behind it is a network of community banks that will gather the deposits the app brings in.

One of the few bright spots in Ingenico’s sagging revenue performance last year was double-digit growth within its global e-commerce unit, where it’s been experimenting with chatbots.

A tool used by technical analysts called the GTI VERA Convergence Divergence Indicator that detects trend reversals is flashing a sell signal for ether, with the longest buying trend since October ending for the third-biggest digital currency. The shift could foreshadow a negative turn for bitcoin, which is close to a trend reversal as well.

The U.S. online lender provides credit lines of up to $150,000 to small businesses that shop at Alibaba.com.

New York’s BitLicense regulation, which has resulted in only four license per year, is due for an informed revamping, argues Phil Berg, a lawyer at Otterbourg.