Technology

In the second part of a two-part conversation with American Banker, miiCard's James Varga discusses how his company leverages the trust placed in banks to create "digital passports" for consumers to prove their identities without oversharing information.

James Varga, chief executive of miiCard, discusses how today's backward identity-management system requires people to share more information than is really necessary just to prove who they are.

A quick explanation of why bank customers and regulators are demanding that the U.S. move to a real-time payments system.

Jeffrey Robinson is hardly a fan of Bitcoin (the title of his latest book, "BitCon," kind of gives it away.) But as the author of a classic 1990s book about money laundering, even he says that Bitcoin is a terrible tool for that particular crime, despite the digital currency's reputation. He explains why in the second part of a conversation with American Banker's Marc Hochstein.

Financial industry reforms place too much emphasis on risk control systems, missing the importance of influencing people's behavior, says Stephen Platt, author of "Criminal Capital: How the Finance Industry Facilitates Crime." He also discusses why clawbacks of banker pay, bonus caps and large fines against institutions that fail to deter to reckless conduct.

Stephen Platt, regulatory investigations consultant and author of "Criminal Capital: How the Finance Industry Facilitates Crime," explains his misgivings about the idea of a shared know-your-customer registry for the industry.

Chief information officers discuss their institutions' biggest challenges, the emerging technologies that excite them the most, investment plans for 2015 and more at the FinTech Forward pavilion at the BAI Retail Delivery show.