Toreson Lloyd was a vice president of relationship management at WorldPay and a business development manager at American Express before joining London-based APEXX.

The plastic card is an aging tool in payments, but there's still room for innovation in its design and features. Here are a few new concepts that favor technology and style as differentiators.

The Bokis wallet's new app is scheduled for broad release this summer. It's a rare success for collaborative wallets, as others have failed, such as the U.S.'s Softcard and CurrentC, the U.K.’s Weve, Canada’s suretap and Singapore’s SmartWallet.

Amazon's new service is a chance for all retailers to examine their e-commerce strategy and come up with ways to keep people from leaving sites before making a purchase.

CVS Pharmacy is the latest retailer to join PayNearMe’s network for walk-in bill payment, expanding the service’s geographic reach by about 40%, to 28,000 U.S. stores.

Regulators are calling for the boards of the three separate faster-payments initiatives to review and endorse the consolidation plan and complete most of the consolidation before the end of 2017.

The move will help consumers directly authorize payments to third parties without providing the physical card or full account details.

Even as consumers embrace digital payments in the U.K., the value and amount of cash in circulation remain high.

The market for fitness trackers is saturated with generic products, and Fitbit needs to differentiate with devices that have capabilities beyond counting users' steps and tracking sleep.

Innovators offer speed, but banks retain customer relationships and a vast product range that can add services to payments.

Canadian bank CIBC has removed its mobile payment app from the Google Play Store and ended support for it, opting to support mobile payments via Apple Pay and Samsung Pay.

General Motors is expanding its collaboration with Mastercard to enable drivers to order and pay from inside their cars. It's further evidence THE thing in Internet of Things is the car. However, the convergence of order-ahead payments and connected vehicles must contend with safety concerns that simply aren't a part of any other digitally connected channel.

Third party 'pays' and app companies like Uber are making the payment almost invisible, and threatening banks' relationships with consumers, writes G. Vedanarayan and David Griffiths of VirtusaPolaris.

Diebold’s purchase of Wincor Nixdorf made plenty of sense as a merger of two ATM giants. But that's not what the companies want to become.

Bango tightened its hold on the carrier billing market in Indonesia, adding leading mobile network provider Smartfren as a user of one-click payments on Google Play, the app store for Android devices.

Despite the best intentions of Apple and Google to ignite contactless, the QR Code persists as a tenacious legacy technology providing the connective tissue between physical and digital domains. Further evidence of its persistence comes from Facebook.

Once millennials and tech-oriented consumers become the majority of banks’ customer base, disruption will cease to be just a threat. It will be a fact.

Restaurants and other hospitality businesses have suffered a series of breaches. E-wallets can provide extra security and marketing heft at the same time.

The shift in payments at hospitality businesses such as restaurants is hard enough, but it's made even more challenging by the pace and breadth of the changes.

Facebook is reportedly rolling out a feature that allows users to scan QR codes to earn incentives to shop at nearby stores.