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Viewpoint: How Older Millennials’ Love of Selfies Is Transforming Mobile Payments

While you might think younger millennials are more likely to make a purchase from their mobile devices, more likely to snap a selfie and more likely to want to use selfies for ID verification, in fact a new survey found just the opposite.


Viewpoint: FIS Execs Talk Payments’ Future

From payments robots to data analytics and customer engagement, find out what got FIS payments execs excited at Money20/20.


Viewpoint: California as a Model for Legislation on Responsible Lending

California already has a way to protect consumers from predatory lending practices while also encouraging the kind of innovation that leads to increased access to responsible and affordable credit—especially for those most often left out of the financial mainstream.


Viewpoint: The CFPB’s Prepaid Rule Makes Positive Changes, but Compliance Challenges Remain

Oct. 5, 2016, the CFPB released its final rule governing prepaid accounts. The final rule and its commentary come in at nearly 1,700 pages. Find out what products are covered under the rule, what triggers Reg Z and what still needs clarifications before the regulations go into effect Oct. 1, 2017.


Editor’s Letter: Tell Me Something I Don’t Know

Last night the Cubs proved—after a long and grueling fight—that the narrative can change. New winners can be crowned. Who in payments will come out on top in 2017? Will it be you?


Viewpoint: Money20/20: The End of Payments as We Know It

The conference, which concluded last week, showed that retailers face significant payments challenges as consumer behavior changes, and gave a deeper look into wearables and other technologies that promise to make transactions much more efficient.


Viewpoint: Most Americans Are Banked. So Why Aren’t More of Us Financially Healthy?

Banked households—those that have at least a checking or savings account at a bank or credit union—have risen to 93 percent. That’s the good news. But a whopping 57 percent of U.S. households are financially unhealthy, and that financial health impacts even those earning middle-class incomes and beyond.


Viewpoint: Fintech Is Driving Inequality in the Digital Economy (And 3 Ways to Reverse the Trend)

Instead of leveling the playing field, the Great Fintech Revolution is driving inequality between those with easy access to the digital economy and those without. Luckily, there are some simple but significant ways to change that.


Viewpoint: Banks Must Latch onto the Fintech Partnership Model

A consensus is building along the payment frontier: Banks can serve as platforms though which a plethora of third-party services and customers are able to connect through an API.


Viewpoint: Winning the Holiday Gift Card Season

With some $25 billion at stake, personalization and going digital will help ensure returns for the all important fourth quarter.

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