If everyone has a universal digital identity, the documents that identify us in the physical world will no longer be necessary, writes Michael Gorriz, group chief information officer for Standard Chartered Bank.

As technology around us evolves to be more pervasive but less intrusive, the interface between devices and the world around us is adapting to mimic and recognize human senses such as voice and sight.

As the digital age reduces the wear on physical cards, how is it that some consumers are requesting new cards more frequently?

Readers react to USAA teaming up with Amazon’s Alexa, how a new Wells Fargo’s scandal could affect arbitration rules, a digital identity startup’s ambitions, and more.

The promise of a connected future has enormous implications for all aspects of our lives, but there are great risks along the way.

A "smart" token is a regular token on steroids, transmitting the information needed to authorize the transaction together, including enhanced counterpart identity, transaction and invoicing data, writes Marten Nelson, vice president and co-founder of Token.

Push Payments' Travis Dulaney discusses the Fed task force report; Brian Roemmele talks voice pay.

Enticements such as rewards, loyalty points and coupons seldom face pushback as a marketing concept, but there's been recent concern that these programs are devouring potential revenue from consumers who would be willing to pay full price.

Customers can ask Amazon’s virtual assistant about account balances, spending habits and financial questions that they may be too embarrassed to ask a human.

Facebook, Twitter, YouTube, Instagram, Reddit and blogs create environments where like-minded users can connect, share opinions and cultivate a sense of camaraderie, creating an unprecedented number of distinct nano-segments, writes Steve Gilde, director of global payments for Paragon.

As an open network, bitcoin is in one sense the most inclusive financial system imaginable. But for now, transfers of the cryptocurrency are priced like a luxury good.

San Francisco-based startup UnifyID is developing an “implicit authentication” platform that requires no conscious actions by users to authenticate identities, and it’s just closed $20 million in fresh funding to support its growth.

One of the critical unanswered questions early in the Single Euro Payments Area process and the new Payment Services Directive in Europe was whether banks would pony up for needed technology upgrades.

Digital blockchain tokens can be naked instruments for profit-sharing among investors, but other types are directly linked to building network infrastructure. Their creation and sale must be unimpeded by regulation.

A jumble of security vendors and lack of cohesive planning weaken many banks’ cybersecurity defenses, experts say.

Christine Duhaime, an anti-money-laundering attorney in Toronto, lays out the reasons banks should become early experts (and assist) in initial coin offerings. She also lays out the risks, especially in the wake of the SEC’s report suggesting some ICO tokens are really securities.

As the digital age reduces the wear on physical cards, how is it that some consumers are requesting new cards more frequently?

Machine learning can allow customers to take control of their data-driven decision making, including fraud, writes Mark Goldspink, CEO of The ai Corporation.

Large banks like Wells Fargo have started using "cyber ranges" and "red teams" to respond to real cyberattacks on virtual versions of their real systems.

After blazing a trail in online and digital banking, Sweden's financial industry is now emerging as a pioneer in the use of artificial intelligence.