ISO & Agent

While there are some potential challenges to address, the European-focused PSD2 is an opportunity for banks globally to bolster their service offering, while at the same time working with fintechs to respond effectively to changing customer demands, to drive both convenience and security in the fast-paced, online world, writes Frederik Mennes, senior manager for market and security strategy at the Security Competence Center at VASCO.

The rise of digital options is evolving payments from infrequent large transactions to a constantly flow of smaller payments, and companies that don't adjust risk being left behind, according to Luis Valdich, managing director of venture investing at Citi Ventures.

Younger consumers are more willing to shop around compared to previous generations, and the on-demand economy means there is an expectation of instant gratification, writes Julian Wallis, retail director at Rambus.

AI is about maximizing technology to drive greater business insights, making brands more efficient and more connected to their customers, our jobs more fulfilling and meaningful and giving us a more personalized experience in our daily lives, writes Anant Kale, CEO and founder of AppZen.

The future of blockchain is still unclear, but what is clear is that it is set to improve the aviation industry as a whole. And those who are the early adopters will have the greatest opportunity to influence the changes it will bring, writes Gediminas Ziemelis, chairman of the board of Avia Solutions Group.

Mobile and other technology are changing payments and financial services quickly, leaving legacy systems and processes challenged to keep up, writes Ignacio De Marco, CEO of BairesDev.

When regulators recognize ICOs as securities offerings, they will likely require issuers to fully comply with standard Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations, increasing compliance pressure, according to Ron Teicher, CEO of EverCompliant.

The timing is right for Congress to act sooner rather than later, defining what Is legal and establishing regulations, writes Cathy Beardsley, president and CEO of Segpay.

There are lots of layers technology risk-mitigation features, and in addition, network-level mitigation is provided as well, writes Robb Gaynor, chief product officer at Malauzai.

With new data breaches becoming public on an almost routine basis, it’s no surprise that our findings revealed that consumers are starting to favor safety over speed and ease of checkout, writes Joseph Daly, COO of Paysafe Payment Processing in North America.

When offered in a fair and transparent manner, DCC provides real value and benefit to both the cardholder and the merchant striving for new ways to remove friction and improve their customer service experience, writes Mark Horwedel, CEO of the Merchant Advisory Group.

AI is not the only way to get value from data. In many cases, simpler, traditional types of analysis may answer your questions, according to Todd Ford, CFO of Coupa.

PCI compliance can't solve all security problems. EMV, encryption are all necessary to protect merchants from data breaches, writes Jeff Zimmerman, COO of Clearent.

This update will be an immense help to the broader payments industry in the ongoing adoption of cloud computing by organizations subject to PCI compliance obligations, writes Dan Stocker, practice director of commercial services for cloud and technology at Coalfire.

Financial institutions providing funds via the Fed's same-day ACH transfers need to their systems protect their customers, are commercially reasonable and, most important, follow strictly the protocols the financial institution has agreed to with its customer, writes Alexander Buchanan, counsel at Waller Lansden Dortch & Davis LLP.

Refurbishing ATMs to accommodate mobile payments is less expensive than buying new ones, and is a solid green strategy, according to Mark D. Smith, director of business development for MVP Financial Equipment.

Ripple, which lining up partnerships with banks, is likely to help change the perception of crypto, expand its own value and co-lead the shift in the way the world uses, manages, accesses, stores and exchanges money, writes Nigel Green, founder and CEO of deVere Group.

ATMs require dual-factor authentication in the form of a physical card and a PIN, and this same concept should be extended to phone transactions, writes Patrick Cox, CEO of TRUSTID.

Mobile scan-and-go technology can redefine the in-store model for retailers by delivering the "just walk out" experience popularized by Amazon Go (and increasingly demanded by consumers) in a way that is viable, scalable and profitable, according to Julian Wallis, retail director at Rambus.

Contractor invoices are sent up a long string of approvals and payment is sent back down that long string before they are ultimately paid, writes Will Mitchell, co-founder and CEO of Contract Simply.