What are the ingredients of payments modernization in the United States? I suggest there are three: 1. Faster Payments  The race to create a U.S. faster-payments system has begun. What’s not clear is what it will look like at the finish line. The variety of systems being either launched or …

If you want to see a rowdy debate, try gathering a group of colleagues and posing the question of whether or not fintech companies should be regulated. In posing this question to several groups of payments professionals, I have observed that the same arguments, pro and con, keep coming up. …