Industry Opinions

Once a humble piece of plastic tied to a single merchant, gift cards have evolved into flexible ecosystems that sit...

As the 2025 holiday season approaches, a convergence of payments technology—from embedded financial services to agentic AI—will influence consumer shopping...

A roaring fireplace radiates warmth and light while a snowstorm rages outside—a classic holiday scene. But these days, it’s just...

Student loan repayments have followed an erratic path since March 2020. Payments were suspended at the start of the pandemic,...

Although there have been monumental advances in building financial inclusion worldwide in recent years, substantial gaps remain. For instance, across...

Fraud has long been a constant in the financial services industry—for the same reason the notorious bank robber Willie Sutton...

Emerging rails like real-time payments, stablecoins, and central bank digital currencies have quickly created a fragmented payments ecosystem. This environment...

Is the banking industry facing a digital revolution, or has it already happened? Research shows that 60% of bank customers...

The correspondent banking model, which has dominated cross-border payments for years, is—at best—a deeply flawed system. It relies on manual...

Independent Software Vendors (ISVs) and SaaS providers have long viewed healthcare as a rich target for vertical expansion. The market...