"Payments and digital are highly interconnected and both are rapidly evolving growth areas."

"The differentiating factors in ensuring women get the roles — and recognition — they deserve are the ability to drive change, think innovatively and build consensus. These, combined with the so-called 'soft' skills commonly associated with women, create a clear roadmap for the future of our industry and will allow women to leave a legacy of inspiration."

"Without a doubt, EMV, security and mobility are going to dominate the payments space this year."

"We often believe in our ability to excel and succeed in senior leadership positions, but without the action to break through this barrier."

"The emphasis currently on mobile technology is around security and how it changes the in-store, and now, online, shopping experience. It is impacting everything from how a card member finds the best price to how they are paying for the purchase at the point of sale."

"One boss mentored me and told me to go out and learn everything I could about my job and all the other jobs I managed and those jobs of my peers. It was good advice as I did this throughout my career and no one could question my knowledge."

"An industry that some may have considered to be synonymous with conservative, slow-moving tactics is embracing the innovations of the digital age."

"It's important that we do not allow the dynamic nature of the industry to overwhelm participants and merchants."

"Instead of focusing on barriers that stand in the path of a rising star, I want to concentrate on steps that women can take to propel themselves to the next rung in their payments career."

The 20 women we honor this year have advanced the pace of innovation, challenged competitors and fueled the creativity and ambitions of their colleagues.

It's safe to the EMV adoption will be successful, but it is still going to take some time – and might never achieve 100% ubiquity in the U.S.

Recent studies show financial services companies increasingly use cloud services. But behind the numbers, there are a range of attitudes toward cloud computing, from warm embrace to full-on paranoia.

ALEXANDRIA, Va. — NCUA's Office of the Inspector General has given the regulator a pass on its handling of the data breach last fall caused by examiner error.

The retail services market is flooded with Web-based developer tools that allow small businesses with little tech expertise to develop payment capabilities. But to companies like vCita, these toolkits are still too hard to use.

Transfast has upped its game in Kenya, offering instant deposits to three banks in the country and connecting its service with M-Pesa mobile money accounts, a poster child for mobile payment success.

Merchants are far from helpless bystanders as Apple and banks sort out who is responsible for stopping fraudulent cards from being enrolled in the Apple Pay mobile wallet.

Apple Pay, which pre-rollout was praised for its security features, was in the center of a storm this week when some called the security of Apple's mobile wallet into question, claiming that 6% of transactions are fraudulent.

Mobile malware has become easier for criminals to deploy, circumventing all antivirus and firewall solutions, as these viruses are delivered in the form of trusted applications we all install and can lead to m-commerce vulnerabilities.

Mobile technology has enabled financial services in a number of African countries, and MasterCard is working to expand this model by tying it directly to a national identity program in Egypt.

A stolen company laptop has left customers of Pioneer Savings Bank vulnerable, according to a consumer alert from the New York State Department of Financial Services.