Bloomberg News
Mobile payment users are still in short supply, and the growing range of options may be seen as too chaotic for consumers who haven't yet used a mobile wallet.
The U.S. is a long way from widespread adoption of EMV, but security analysts say the boom in online shopping—plus a surge in consumers' use of mobile devices for holiday purchases—will make it easier for fraudsters to hide their moves as they redirect their efforts from retail to online channels.  more »
Between regulatory and competitive pressures, ISOs have a lot on their plate for 2016, particularly for the most growth-hungry companies. Here is some food for thought for ISOs as they plan their strategies for the year ahead:  more »
FinTech Forward
Legacy Systems Threaten Banks More than Startups: RBC Head McKay
Royal Bank of Canada's chief executive, Dave McKay, says the company could roll out a loyalty system kept on a blockchain next year as it experiments with distributed ledgers and looks to enhance its mobile wallet.  read more »