ISO & Agent

Fortunately, banks and financial institutions can take action to protect their apps in untrusted, potentially hostile environments, writes Samuel Bakken, senior product marketing manager for OneSpan.

The high-tech and visual user experience is getting set to take hold, giving merchants something to think about, according to Radu Spineanu, co-founder and CEO of Two Tap.

It can be difficult for security analysts to pinpoint the abnormal behavior while sorting through huge amounts of data, according to Steve Moore, chief security strategist at Exabeam.

Beyond flashy and visible mobile-driven innovation and transaction options, many executives don’t see the need and opportunity that resides behind the scenes, according to Don Halliwell, director of marketing and communications at Zafin.

If they don't have them in place already, financial services firms need to provide digital budgeting tools, mobile payment and banking services before young consumers flee to other providers, says Chris Koeneman, senior vice president of strategic solutions for MOBI.

Traditional compliance data handling tools and procedures are mostly not efficient enough to handle the mounting data in the right way, which makes the analysis extremely difficult, writes Srinivasan Pandurangan is senior manager of business consulting at Virtusa.

Amazon and Shopify will likely improve and expand the “last mile” for e-commerce orders, putting the heat on UPS and FedEx, according to Radu Spineanu, co-founder and CEO of Two Tap.

Banks have the opportunity to transform from being the trusted custodians of our money to being the trusted custodians of our data, writes Martijn Moerbeek, director of group digital strategy and innovation at Legal & General.

The Marriott incident will open the door to loyalty program fraud, account takeover and myriad other risks, writes Michael Reitblat, co-founder and CEO of Forter.

Fintechs and banks are both pursing the market, which much adjust to handle the larger volume, according to Nufar Segal Bareket, a general manager at Jifiti.

There are barriers to overcome before we will see widespread adoption as a payment option, yet the path is viable, says Jared McClure, co-founder and COO of CrayPay.

Social media is allowing non-celebrities to gain popularity and push consumer activity toward certain retailers to boost payments and new channels, contends Todd Grossman, CEO of Talkwalkers Americas.

Data regulations pressure small banks and credit unions, which could benefit from a pro-innovation regulatory environment, according to Stephen Menon, vice president of product at Finn AI.

By giving options, business can ensure that when users are in a hurry and suddenly faced with an elaborate setup for a new logon procedure, they won’t leave for a different provider, writes Marco Lafrentz, a vice president at tyntec.

The advent of this is particularly unwelcome, coming, as it does, at a time when many people not only question the role of a bank after the recent financial crisis and gradual digitization of banking services, but also when their relationship with technology has changed, writes Martijn Moerbeek, director of group digital strategy and innovation at Legal & General.

Creditors, governmental bodies, health care providers and third-party debt collectors alike need to embrace the consumer disclosure requirements of E-Sign if they want to save on postage expenses and satisfy the growing needs of consumers to manage their business using electronic communication methods, writes Rozanne Andersen, vice president and chief compliance officer at Ontario Systems.

Today’s customers demand seamless experiences. They want simple loyalty solutions without the clutter of tracking their rewards and coupons, according to Francis Hondal, president of loyalty and managed services at Mastercard.

A shopping experience so easy that you feel like you’re shoplifting may be appealing, but it also raises privacy concerns, writes Peter Zaborszky, founder of BestVPN.com

Premium loyalty is about brands and customers committing to each other from the start. It’s about brands aligning with their customers and giving upfront, according to Tom Caporaso, CEO of Clarus Commerce.

Businesses need to prove that they have taken all possible actions to inform and mitigate the damage during an event, writes Ryan Wilk, vice president of customer success for NuData Security, a Mastercard company.