ISO & Agent

Over time, real-time payments could become the predominant payment type while virtually eliminating cash and checks.

Vetting transactions has become complicated as merchants try to juggle user experience and risk. Tokenization can remove some of that complexity, argues Andre Stoorvogel, a director at Rambus.

Retailers can control traffic flow and simplify payments and checkout, writes Scott Reese, chief technology officer at Harbor Retail.

Pursuing collection payments can often be delicate, but there is emerging technology that can take the sting out of that, according to Fico's Tim VanTassel, a vice president at FICO.

Providing workers with funds on their own terms with added features can do more than just keep up with modern technology, contends Brian Radin, president of Comdata's prepaid and payroll card business.

When it comes to digital-native shoppers, it’s more than just understanding how their expectations have changed. These expectations are tied to emotional factors that influence buyer behavior, says Michael Rouse, chief commercial officer at Klarna.

After criticizing the prevalence of social sign-in buttons on the internet, Craig Federighi, Apple's senior vice president of software engineering, unveiled one of his company's own. It's essentially Apple Pay without the payments.

Companies must be more prepared to defend user data from malicious outsiders, or suffer the consequences of lawsuits, sanctions from data privacy laws, decreased user trust, tarnished brand reputation, damaged investor relations and more, writes Ben Goodman, vice president of global strategy and innovation at ForgeRock.

Digital consumers and merchants are born as well as made. Payments play a key role in driving simpler, smarter and more customized experiences, writes Stefan Merz, COO of PPRO.

Facebook and Google were scammed out of more than $100 million, though artificial intelligence can help firms improve security, according to Anant Kale, founder and CEO of AppZen.

Payment network tokenization should sound appealing to every online retailer because it relieves friction and releases them from much of their risk, liability and compliance burden. The trick is achieving scale from both a technical and business agreement perspective, writes Ammar Faheem, vice president of digital payment solutions for North America at Gemalto, a Thales company.

Smaller banks are often not taking the extra step beyond traditional functions such as online bill pay, writes Alberto Hernandez, COO for the U.S. region at Valid.

Many kiosk manufacturers focus on cost and manufacturing efficiencies, placing little to no emphasis on experience architecture — where the physical meets the digital in design and engagement, writes Scott Reese, chief technology officer at Harbor Retail.

The responsibility falls on employers to facilitate a payroll function that helps their workers access funds efficiently regardless of whether an employee chooses or is forced to forgo traditional banking, writes Brian Radin, president of Comdata's prepaid and payroll card business.

Data protection strategies need to consider how data travels and how that impacts vulnerabilities and breach risk, according to comforte AG's Jonathan Deveaux.

Insecure software development and insufficient use of security best practices creates significant risk for both consumers and commercial organizations alike, writes Carl Wright, CCO of AttackIQ.

Payment solutions that lower the cost of electronic payments through exchange rate transparency ultimately improve the buyer’s relationships with their suppliers, writes Nvoicepay's Alyssa Callahan.

Targeting a 100% gpi ratio for Swift payments among banks will be crucial to enlarging the global reach of payments, writes Marc Recker, global head of institutional market management and cash management for Deutsche Bank.

Some technology upgrade can leave databases open to the public internet, creating more risk for payment credential exposure and other risks, contends Ameya Talwalkar, co-founder and chief product officer of Cequence Security.

Apps need to give customers confidence in ease of use, speed, aesthetics, credibility and user experience, as well as the ability to receive tailored communications through favored channels from their financial institution of choice, writes James Brown, CEO of Smart Communications.