How Transaction Data Can Empower the Data-Informed Digital Banker
Transaction data can provide a competitive edge for capturing account holders with highly relevant products and services.
Apple’s Open NFC May Benefit Some Payment Providers, But ID Applications Are the Real End Game
PayPal stands to gain in the short term. But a gold rush in identification services is the long-term play.
Why Optimism is Fragmented Among SMBs — and How Banks Can Help
Umpqua Bank's new report paints a picture of the AI revolution, cybersecurity challenges, and payment tech reshape business landscape. What's next?
CFPB’s Rule, Plus Inflation, Will Make Buy Now, Pay Later Mainstream
Back-to-school season is the first test for buy now, pay later lending in the wake of the CFPB's leveling of the regulatory playing field.
When Does Personalization Become ‘Surveillance’? Chase and Mastercard Are Swept Up in FTC Probe
Will the agency's actions derail the use of consumer data to offer services tailored to individual needs?
CFPB Proposal Would Set Up Federal Exams for Nonbank Consumer Digital Payment Players
Game changer? Under a CFPB proposal techs like Apple that do digital payments could be examined in their own right, not as bank servicers.
Apple Shifts Focus As It Drills Deeper into Payments
The big tech's new payment products announcements may signal a strategic shift away from direct participation in favor of networking.
Why ACH Data is the Key to Unlocking Customer Trust
Now is an especially good moment for bank marketers to take a fresh look at ACH data, especially considering Google's retreat from third-party cookies.
Banking as a Service Isn’t Over. It’s the End of the Beginning.
Viewpoint: For fintechs and their bank partners, federal consent orders signal a path to regulatory clarity.
Even as Financial Worries Grow, U.S. Consumers Keep Using Credit Cards
Inflation keeps many Americans relying more and more on credit cards to get by. Meanwhile, lenders favor super prime borrowers.
Where is Visa Headed with its ‘Flexible Credential’ Concept?
'One card to rule them all' is one guess. But it's barely an explanation in the competitive payments space. Experts debate Visa's long game.
What’s Next for Embedded Finance? A New Realism
Despite faltering hype and regulatory scrutiny, opportunities are still plenty abound in embedded finance.
From AI Hype to Real Value: Perfecting the Balancing Act
Sriram Natarajan, president of Quinte Financial Technologies, shares insights on leveraging AI and process transformation to drive efficiency, improve customer experiences and navigate the challenges of digital transformation in banking.
Overheard at the Forum: How Apple FCU Gives Innovation a Nudge
People often think innovation means inventing the next iPhone. More often it can means a small change that makes a bigger process work better.
Gen Z Credit Card Use is Outpacing Millennials’, Amid Financial Stress and Ballooning Debt
A new study shows Gen Z ramping up spending and debt, even while their understanding of credit is weak.
When Will Mobile Banking Finally Kill the Plastic Credit Card?
Many don't see the need for a card representing an account they use on their smartphone. But don't ditch cards entirely for Gen Z consumers.
How American Express Keeps Gen Z and Millennials’ App Preferences in Focus
Younger generations want much more out of financial apps than the routine functions Mom and Dad typically use. But parents can't be left behind.
Will Banks and Fintechs Become Retail Media Networks?
Chase Media Solutions, now followed by Revolut's own effort on new media revenues, raise questions about privacy, personal data and what consumers will trade for them.
How the Mastercard/Visa Settlement with Retailers Could Remake the Payments Business
Settlement of a lawsuit that began in 2005 will shift the balance of power in how consumers pay merchants.
Major Banks’ Mobile Apps Evolve into ‘Payment Central’ for Consumers
Major brands like U.S. Bank, Bank of America and Chase amp up payments capabilities in mobile apps, raising the bar for all providers.
The Key to Successful Commercial Banking Lies In Consumerization. Here’s Why
Two experts share their expertise on trends, challenges and opportunities shaping the future of business banking for community institutions.
Consumers Have Embraced Digital Wallets. But They Also Want Them to Be Better
Consumers love the convenience, but new research finds nagging disappointment the wallet experience.
