"As more channels connect to ACH, it will become the preferred route for banks to process transactions," says Steve Kenneally of the American Bankers Association.
Understanding the contact versus contactless variables for an implementation of EMV in U.S. is the first step, says Smart Card Alliance's executive director.
"Where mobile payments are concerned, I don't want to say banks will be taken to the cleaners, but I think that's where their biggest threat is," says Avivah Litan of Gartner.
In preparation for the holiday season, banking institutions must steer customers -- and employees -- toward best practices for safe online and mobile shopping.
Self-service, enhanced privacy, cloud-based services - these are among the trends that will shape banking over the next decade. What can banking institutions do now to prepare?
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