POS and Retail

If firms don't enroll consumers quickly for card accounts, it suggests other elements of the institution may also be suspect, says Kofax's Dermot McCauley.

In the age of e-commerce and the "Pays," redemptions will no longer be viewed primarily as an expense to be managed, but rather as a tool to create value through higher spending, brand engagement, and long-term loyalty, says Capco's Daniela Hawkins.

Digital incentive marketing, gift cards and loyalty points creates more information to attract crooks, says PerimiterX's Omri Lluz.

Square's working to boost its appeal to third-party developers, especially as a growing number of competitors and broader economic challenges loom on the horizon.

Checkout-free technology is very limited in availability and very much a work in progress, but developers and investors are relying on its promise to accelerate payments' broader evolution from streamlining execution to determining intent.

Fintechs can help integrate payments into banking systems while solving the compliance problem, says Joel Sherwin of Weinberg Gonser LLP.

The tougher authentication standards will take time and effort, but will strike a blow against fraud, writes Andrew Mortland, vice president of product at Accertify.

E-commerce's dramatic expansion gives any merchant the opportunity to sell in any market. That leaves payment providers scrambling for an angle in a crowded market.

The difficulty of detecting synthetic fraud has caused it to quickly develop into the primary method of attack for criminals, says Monica Eaton-Cardone, COO of Chargebacks 911 and CIO of its parent company Global Risk Technologies.

Former Mastercard and longtime bank executive Colleen Taylor has joined Wells Fargo, where she will oversee the bank's merchant services strategy.