Retailers

If tokenization can help us recapture liquidity not only for currencies, but by digitizing the value of all assets, time and work in a more flexible, fair exchange, that’s exciting, writes Jason English, vice president of protocol marketing for Sweetbridge.

A bot-powered wave is on the way, and some firms will adapt, others will simply perish. It will be survival of the fittest, writes Beerud Sheth, founder and CEO of Gupshup.

The real lag behind fintech started when banks rested on those online and mobile banking laurels and allowed other players in the mobile space to bypass them in working toward mobile point of sale payment services, writes Jack Jania, senior vice president of strategic payment alliances at Gemalto.

An analysis of a test shows runtime application self-protection (RASP) successfully defends mobile banking apps targeted by BankBot against overlay attacks, writes Frederik Mennes, manager of the security competence center at Vasco Data Security.

Connected devices, mobile and new processing standards require a larger technology upgrade than the quick updates of the past, according to Rajesh Venkatraman, director of worldwide payments at IBM.

Chatbots are the next big thing in payments. But a poor in-chat commerce strategy can turn off consumers and create bad user experiences.

Companies involved in content sharing or social media are seeing fraudsters try to create new accounts for their sites with fake credentials through bot attacks.

The European directive is an opportunity for U.S. institutions to update data protection, writes Seth Ruden, senior fraud consultant for ACI Worldwide.

Both merchants and consumers still see the act of making a payment as a barrier and again look to technology to enhance the experience, writes Chris Koide, senior advisor and vice president of financial services for Bambora North America.

The ability to expedite information with payment, specifically remittances, is the real challenge, writes Mike Fortmann, vice president of Southwest Region for NVoicepay.