ISO & Agent

Facebook’s Libra shows technology companies are a far greater threat to a bank than other banks, argues Token.io’s Marten Nelson.

Amazon’s move pressures other merchants to add speed to e-commerce delivery while adding a few more steps to vet payments, writes Monica Eaton-Cardone, COO of Chargebacks911 and CIO of its parent company Global Risk Technologies

U.S. merchants need to do their research now, seek independent legal advice, and work with their payments provider to determine their exact needs and next steps in order to stay compliant and not risk losing revenue, says Worldpay's Jonathan Dranko.

Today’s employees bring their own devices to work, split their time across multiple screens, and can conduct their jobs from anywhere. Business pay has to match that reality, says Billtrust's Flint Lane.

Banks don't compete with each other enough to effectively lead the move to faster payments in the U.S., argues CMSPI's Mark Horwedel.

Both are useful, but each has specialties in protecting different types of transaction processes, according to Rambus Payments' Andre Stoorvogel.

Investment in B2B fintech startups has been ramping up for the past couple of years, and in the next year we’ll start to see businesses reaping the benefits of the fintech wave, says Nvoicepay's Karla Friede.

The technology is too geared toward consumer use and leaves businesses out of the mix, argues Matt Johnner, president and co-founder of BankLabs.

As bots dominate new internet traffic, their ability to help crooks launch account attacks and exploit personal information has never been higher, says NuData Security's Robert Capps.

EMV 3DS is no longer just for payments. The use cases for identification and verification (ID&V) are expanding, so the scope of EMV 3DS has become much broader to include adding cards to a digital wallet, open banking services and financial services apps, etc., writes Jean Fang, product manager at Fime.

Distributed ledgers are already revolutionizing international transactions and trade finance. The added stability will bring about even greater adoption, argues Neutral's Matt Branton.

The 8-BIN migration will be here sooner than many financial institutions believe. Fortunately, even for those institutions that haven’t started planning for the migration, there is enough time to limit confusion, lost revenue and customer churn, writes Member Access Processing's Carol Logan.

New project models and the cloud can serve as an alternative to payment and financial services technology strategies that benefit larger banks more than small institutions, argues Vinay Prabhakar, vice president of product at Volante.

Successful digital transformations these days are done not as make-or-break moon-shots but as a continuing series of smaller projects, says Tata Consultancy Services' David Jordan.

By making sure their payment processing solution is compliant, they can save themselves the hassle of declined payments and make sure they’re capitalizing on the expansive European e-commerce market, writes Ralph Dangelmaier, CEO and board member at BlueSnap.

The key to capturing young consumers is flexibility and choice at the point of sale, says Michael Rouse, chief commercial officer at Klarna.

Transit has pushed contactless payments in the U.K., and it will happen in the U.S. too, according to Daniel Kornitzer, chief business development officer for Paysafe Group.

The social network's GlobalCoin has the audience to be a huge currency but it may not deliver on the concept of decentralization that underpins the cryptocurrency industry, contends Richard Dennis, founder and CEO of temtum.

Financial institutions have different levels of breach protection than health care, heightening the risk, according to Brad Keller, senior vice president and program director at Shared Assessments.

Security, operational challenges and new operational requirements all make for a complex, yet necessary, transition to open banking in the age of PSD2, according to Maria Allen, global head of financial services for Unisys.