Data governance

Despite tougher privacy regulations, further safeguards are needed that require consumers' clear consent before personal information is exchanged.

Technology has helped banks expand globally, but complying with country-specific laws restricting data flows is a constant struggle.

While the road to API connectivity has not been smooth, solid progress is being made in connecting banks to third parties, says Token's Todd Clyde.

The CFPB has promised an equal-access rule for small-business lending for nearly a decade. But Apple’s recent discrimination inquiry into its credit card could force the agency’s hand.

Banks and smaller businesses are simply not ready, says SmartTrade App's Kent Vorland.

Mastercard's positioning its effort as a call to action — instead of a mandate — to bring stakeholders together to produce best practices to project data.

A Brooklyn startup predicts a mix of blockchain and AI can give retailers a referral and conversion model like Amazon and eBay, but the merchants will have to cede some data control.

Capital One's dispute with Plaid raised questions about the ability of banks and aggregators to work together. But the end of that fight, and Capital One's deal with Finicity, show common ground can be reached — eventually.

New European Union privacy rules could serve as a guide for U.S. banks.

Under GDPR, nothing can happen with the European consumer's data unless they explicitly opt in. American consumers tend to ignore the fine print on company statements regarding the potential uses of their data, leading to an environment where companies expect them to opt in by default.