Disruptors

The founder of an IPO services company that was sold this month to Nasdaq has lined up several investors for his new company, which will invest in bitcoin and blockchain developers.

Consumers still aren't eager to make payments from their phones, despite the immense security boost mobile wallets provide through encryption, tokenization, dynamic account data and biometrics. So MasterCard is taking these technologies and hiding them in other products.

The alliance between JPMorgan Chase and the Merchant Customer Exchange represents more than an olive branch between two industries that have typically been at war over fee revenue — it's a result of a years-long transformation in how Chase approaches its relationships with the retail sector.

Recipients of the 2015 FinTech Forward awards discuss the new competitive challenge facing banks.

Microsoft Corp. has never been a dominant name in mobile payments, but it has dabbled enough in the process to draw interest around the payment potential of its Windows operating system.

The bank owners of the clearXchange payments network and the Early Warning risk management service hope that by combining the two programs, they can remain in control of technologies that will become core to mobile commerce.

Recipients of the 2015 FinTech Forward awards discuss where banks fall short in competing with startups.

The degree of success Starling Bank achieves could foreshadow how similar digital banking entrants in the United States might perform given a narrower product selection, a commitment to mobile, and a focus on collecting and analyzing data.

Recipients of the 2015 FinTech Forward awards discuss how banks can remain competitive with nimbler, innovative startups.

Apple Pay debuted last year as an enabler for many banks that were itching to get involved with mobile payments. But a few banks were able to leap ahead of Apple Pay with their own technology.

When Square created the market for mobile point of sale devices, Verifone got defensive. Today, with the rollout of its Engage platform, Verifone is going on the offense.

Recipients of the 2015 FinTech Forward awards discuss how banks can remain competitive with nimbler, innovative startups.

One of the top lieutenants in Silicon Valley is leaving the side of one high-profile Internet executive in Marissa Mayer to join another, Jack Dorsey.

With its IPO out of the way, First Data is accelerating its focus on merchant technology, and that means luring the developers who are rapidly changing how people shop and pay.

The chiefs of Fiserv, FIS and TCS Financial Solutions explain how they continue meeting customers' current needs while preparing for the inevitable day when those needs radically change.

Banks are being "unbundled" by challengers in numerous business lines, but they can recapture the relationship with the help of technology and the right mindset.

To identify fintech startups deserving of special recognition this year as part of the FinTech Forward program, a team of American Banker editors, BAI staff and industry members debated the merits of self-nominees and companies we know.

EMV card acceptance has often been pitched as a catalyst for mobile wallets, since the terminal upgrades needed to accept EMV-chip cards could also enable contactless mobile payments. But mobile and EMV are not always on the same path.

In a new book, PayPal founder and former exec Elon Musk argues that big thinking is missing from PayPal and payment startups. Put another way, NFC and QR codes won't repair the global economy. The problem is Musk's big-picture approach is it would challenge interoperability and ultimately stagnate the very industry he's trying to save.

The British government and a trade association are trying to nationalize open loop contactless payments for transportation, a project of staggering scope designed to provide seamless rider transactions for buses, trains and local mass transit systems.