MOUNTAIN HOME, Idaho — Pioneer Federal Credit Union here has deployed video teller technology to its ATMs.

WASHINGTON - President Obama on Tuesday night touted his administration's financial services rules, called for steps to benefit the middle class such as lower Federal Housing Administration premiums and reiterated support for legislation to address cyber threats.

There are less than 300 days left until the liability shift for US credit and debit card payments occurs, but it appears that consumers and their credit and debit card issuers are not exactly on the same page when it comes to the sense of urgency around making EMV-enabled payment technology a reality.

Across the world, startups are using digital delivery to challenge companies like Western Union and MoneyGram, a battle that in recent months has become increasingly heated.

One of the most challenging IT issues is proving ROI, establishing that a specific technology rollout had a measurable impact on business goals. But Tesco is making a powerful case for proving the ROI of 3-D technology its apparel e-commerce business used to achieve a 24% plunge in online returns.

In a State of the Union address declaring that “the shadow of crisis has passed,” President Obama said he will veto efforts to roll back financial reforms further while he reiterated support for a bill addressing cyber threats.

Pioneer Federal Credit Union in Mountain Home, Idaho, has deployed video teller technology to its ATMs.

The digital-only offshoot of Customers Bank combines edgier technology — like letting consumers snap photos of their driver's license to open accounts — with a new business model that counts on interchange revenue rather than fees.

Two defendants in an alleged identity theft ring that targeted banks in New York City and Westchester County have pleaded guilty.

Online money transfer service WorldRemit has signed a partnership with a telco that serves Africa, Asia and the Middle East to enable its customers to send money to mobile wallet users in those regions.

BBVA and USAA are among a group of participants in a $75 million investment in the Bitcoin wallet provider Coinbase, an unusual move given the cool posture most financial institutions have taken toward virtual currency.

Ingenico Group, a French maker of payment terminals, has completed its acquisition of Roam.

Digital payments company ACI Worldwide has begun offering bill pay services on ATMs and kiosks sold by LD Systems.

Western Union has expanded its retail presence in Europe through a partnership with the international remittance service UAE Exchange.

Implementing a new technology is never completely stress free, but credit unions are finding that Apple Pay rolls out easier than most.

Momentum is "building" for mobile payments technology Apple Pay from credit unions as well as consumers and merchants.

Let this be the year that the financial industry stops using the phrase "big data" and remembers that the goal of technology is to make people's lives simpler.

Even though Apple Pay hasn't yet launched in the U.K., experts in the EMV-compliant nation are eager to bring over Apple's mobile wallet to improve card-not-present security.

Turning off your phone before you go into church is probably a good idea — unless you plan to make a donation.

Experts have predicted the roll-out and wider adoption of Apple Pay, Amazon Payments, PayPal and even Bitcoin will be the driving forces that finally make actual wallets and plastic cards obsolete, replaced by mobile payments and digital transactions executed with ease from a smartphone or digital wallet.