Mobile payments

The bank-powered P-to-P app Zelle officially launched in June with a mostly consistent brand across all of its bank partners, but it still struggles with awareness over PayPal's Venmo, which doesn't share its advantage of living inside banks' mobile apps.

Since e-commerce and digital payments' inception, the state of the retail industry has been fluid, always facing new challenges and battles, writes Erik Morton, vice president of strategy and corporate development at CommerceHub.

The gig economy is one of the most demanding business sectors in terms of technology, speed and security. All of these factors play into how these companies handle payments.

With the mantra of “attracting millennials” still pervasive in the payments industry, it is worth noting that there is a significant and growing opportunity for an even younger generation — Generation Z.

If you’re an omnichannel merchant, it’s critical to analyze fraud separately across your brick and mortar, online and mobile channels, in order to focus your information security resources where they are most needed, writes Michael Lynch, chief strategy officer for InAuth.

Deserve wants to deliver credit cards to students and underbanked young adults through a system that underwrites credit without relying on FICO scores and instead by judging the applicants on their future potential.

The U.S. and Canada are far behind Europe and Asia in contactless adoption in general. A handful of mass transit agencies are stirring hopes about NFC fare payments, but even these cities are taking a cautious approach to open-loop payments.

India’s push to build a broad biometrics-based consumer identity database—now 1 billion strong—has been a boon to Paytm and other mobile payments providers leveraging Unified Payments Interface (UPI), the open-architecture structure supported by India’s government.

The biggest innovators in payments aren't necessarily banks, and that's a problem for JPMorgan Chase, which has such a large client base that every startup sees it as a target.

Some credit unions are beginning to offer payment services via wearable technologies, but many say it will take further declines in the pricing of those items before they are widely accepted by consumers or financial institutions.