ISO & Agent

To continuously build strong customer relationships, there should be an incentive structure within a custom token, where quality reviews by industry players are rewarded using the tokens, writes Denatacoin's Mariam Nishanian.

PayPal is among the top non-bank financial brands, though that may soon change as other challengers gain ground, writes Hannu Verkasalo, founder and CEO of Verto Analytics.

Between Brexit, Dodd-Frank uncertainty and the mobile revolution, issuers and financial services companies must combine past performance data and forward-looking information to gain insight, writes Henri Wajsblat, director and head of financial services at Anaplan.

Competition from global giants like Amazon and Alibaba and millions of independent retailers, coupled with the constant threat of credit card fraudsters, makes it imperative that online retailers tick all the boxes to reduce risk, writes Suresh Dakshina, CEO of Chargeback Gurus.

By eliminating the friction of a cardless ATM, the utility value of the mobile wallet has just increased by an order of magnitude, writes Dan McKinney, co-founder and chief marketing officer at Finxact.

A data-driven approach to money laundering prevention can help increase profits and improve regulatory compliance, writes Edmund Tribue, risk and regulatory practice leader at NTT Data Services.

Millennial purchases are fueled by convenience, efficiency and value, and with the recent announcement of Instant Pick Up, Amazon has taken another step in the right direction, writes Gil Don, CEO of Splitit.

This latest instance of Trickbot is a good time to remind consumers not to trust third-party sites even when directed by an email that seems legitimate, writes Lisa Baergen, director of marketing at NuData Security.

Consumers who either are tiring of the password overload, or those who understand that passwords are antiquated security, are driving the fair amount of biometric adoption, writes Michael Lynch, chief strategy officer at InAuth.

Financial institutions need to take notice of this phenomenon and ramp up their payments infrastructure to support these developments, writes Chet Kamat, senior vice president of Oracle Financial Services.

The advancement that we are seeing in terms of API Banking in the payments domain makes it evident that the overall banking system is moving toward an open banking framework, writes Satya Swarup Das, a senior architect for the global banking practice at Virtusa.

Alternative currency investments are volatile. Another way to look at the market's sustainability is the willingness of participants to stick with this new mode of payments, writes Mariam Nishanian, a representative for Dentacoin, a virtual currency for the dental industry.

As marketing becomes more expensive, issuers are under pressure to find new ways to lure merchants, according to Eric Marks and Sean Clark from West Monroe Partners.

Contactless payments today seem to address the slowness of EMV contact without compromising security. And unbeknownst to many, it uses the same security protocol, writes Andrey Tikhonov, senior director of payment technology for Infinite Peripherals.

With the right focus and a little bit of pre-work, many companies can leverage ISO 20022 as the new global standard, writes Kate Risch Choi, a senior product manager for treasury and payment solutions at BMO Harris Bank.

Banking lobbies are still opposed to the Durbin Amendment, which would hurt a free market, writes Mark Horwedel, CEO of the Merchant Advisory Group.

As payments guru David Birch notes, multiple currencies spur competition and innovation, and can reduce stagnation, writes Eric Grover, a principal at Intrepid Ventures.

Distribution methods are constantly changing and being altered so that the maximum amount of people can gain access to these unregulated currencies, writes Mariam Nishanian, a representative at Dentacoin.

Removing friction across channels and payment types not only leads to a transformative digital banking experience, it also helps ensure those positive outcomes translate to business success for financial institutions, writes Mark Little, senior user experience researcher for digital channels at Fiserv.

Knowledge picked up from the best customer-facing staff should be delivered by AI systems in a contextual manner at the right place and the right time to handle customer queries in the age of digital commerce, writes Anand Subramaniam, senior vice president of worldwide marketing for eGain Corp.