Opinions

Across Latin America, central bank-led instant payment networks have seen enormous growth. The next breakout market is Mexico. If bankers in the U.S. want to see the future of consumer payments, they should look south.

As bitcoin plays an ever-larger role in cross-border transactions, what remains to be seen is how prepared the various bodies overseeing global finance are to engage with an asset that operates largely beyond their ability to meaningfully control it.

Quantum computers are one dire threat for cryptos, but public disinterest is a bigger one.

Unionization efforts at several Wells Fargo locations go in reverse, while the buzzy blockchain stuff overshadows the plain fact that customers want products that help them rather than gee-whiz technology.

A database that holds the details about every attack on databases is itself at risk of being compromised, which would leave banks and other businesses on their own when it comes to network defense.

Banks are a critical link in the chain of elder fraud; blockchain is exciting and infrastructure is boring, but they're actually the same thing; and there are way more home sellers than buyers.

In a digital world, paper checks are an expensive, inefficient and unsecured vestige of the past. Bankers, regulators and policymakers need to come together around a strategy to eliminate their role in the U.S. financial system.

Trading bitcoin and other cryptocurrencies is fine, but it's a sideshow: Blockchain is the underlying innovation that has the potential to change the way markets operate.

The SEC appears to be serious about moving from quarterly reporting to semiannual, but what if technology could provide a path in the other direction?

More than a thousand years ago, merchants in imperial China revolutionized the concept of money by replacing metal coins with paper. A similarly transformative change — programmable money — is on the cusp of adoption today.