ISO & Agent

Bank pilots and 'open banking' are paving the way for rampant adoption, says Fingerprints' Lina Andolf-Orup.

Millennials especially have shunned credit cards in favor of buying even low-ticket items using a system of installment loans, often incurring little to no interest, says Jifiti's Nufar Segal.

It seems the payments industry is once again pushing liability to the merchants with no plans to hold anyone else along the payments ecosystem accountable for ensuring that viable solutions are available, says the Merchant Advisory Group's John Drechny.

If consumers suddenly change bill pay habits, many processing systems and third party collectors will be overtaxed, says Alorica's Jay King.

Costs to maintain ticketing systems are jumping for metro systems, but there's still a lack of standardized open-loop options, says Fime's Alex Chen and Angaj Bhadari.

Alternative lending companies are one of the strongest examples of how leveraging rich financial transaction data can be used to go beyond traditional credit risk assessments, says Finsync's Eddie Davis.

Until the gender gap of the technology, banking and payment industries change, innovation will continue to be impacted, says Itemize's Samantha Fisher.

New designs and easier authentication can boost adoption, says Fingerprints' Thomas Rex

For banks and other financial institutions to survive and thrive in the age of mobile payments and e-commerce, they need to continue to enhance their mobile apps with more innovations, tighter security features, and more time-saving capabilities, says Informa Financial Intelligence's Gina DeCorla.

Projects in both countries are picking up steam and serving as an example to the rest of the world, says ACI Worldwide's Craig Ramsey.

B2B payment trends are trying to catch up with B2C payment trends but are still lagging behind, says FTV Capital's Rob Anderson.

Moving to an open banking system comes with both costs and benefits that each bank will need to weigh before diving in.

Buyers are researching payment options, and choosing suppliers accordingly, says MSTS' Brandon Spear.

The fintech community was both surprised and energized by recent news that Visa has agreed to acquire Plaid, one of the nation’s largest fintech platforms for financial data analytics.

The concept can enable chargeback abuse, and if this “blind-eye” approach continues to dominate, the bad behavior will only get worse, says Chargeback 911's Monica Eaton-Cardone.

After a decline, fraud has recently spiked. But there are measures companies can take to stay ahead of the crooks, says Nvoicepay's Alyssa Callahan.

New smartphones have subtle differences that require more complex security solutions, says Fingerprints' Ted Hansson.

Criminals will react to the EU legislation by changing their modus operandi, says Nets' Sune Gabelgard.

Small and midsize businesses often struggle to manage their cash, requiring new means to move funds, said Finsync's Eddie Davis.

Having grown up with smartphones in hand, these digital natives crave high speed and instant results, says Wirecard's Susanne Steidl.