Mini-Silos: The Opportunity Fintechs Bring to Banks

It is well known that silos have long prevented banks from achieving the ideal customer experience, because they create a fragmented user experience.  An executive from Ally Bank made an [...]

Banking in the cloud – Is it for the birds?

Consumers’ use of technology—from mobile to wearables—is driving change across many industries as businesses adapt to how their customers want to engage with them. For some time now, financial [...]

Multi-faceted fraud requires multi-factor authentication

There are more types of financial fraud to manage than ever before—debit and credit card, check, online banking, electronic, ACH—the list goes on. Fraudsters never give up. They keep [...]

To EMV or not to EMV…Will Alternative Payments Take Precedence?

In the past few months the already-hot payments industry has been put in an unfavorable spotlight.  Because of the magnitude of the recent data breaches at several major retailers the payments [...]

Card Security: Tighten Current Standards Prior to Innovating

Card security and the need to better protect against fraud have gripped headlines since the Target breach. The ensuing aftermath of finger-pointing and lawsuits over who is responsible for the [...]

The Critical Difference Between Device ID and Device Reputation

When Identity Authentication Isn’t Enough Identity authentication, traditionally based on a customer’s self-identified personal information (name, address, phone, e-mail, Social Security Number, [...]

The Power of Simplicity

Every once in awhile it is a good thing to remember where you came from, where you are going and what it takes to get there. Recently I spoke to a group of new employees during their orientation [...]