Most consumers haven't developed a "muscle memory" for using mobile wallets, says Julie Pukas, head of U.S. bankcard and merchant services at TD Bank. It will simply take more time ? and, more importantly, widespread merchant acceptance ? before consumers feel comfortable paying with their phones.

The industry "as a whole" benefits from tech investments at megabanks, says Manuel Chinea, chief operating officer at Popular Community Bank. Big banks have taught consumers how to use new mobile features ? and small banks can use that knowledge to their advantage, as they roll out new products.

Recipients of the 2016 FinTech Forward awards discuss the way their conversations with banks have changed over the last year as banks become savvier about serving their customers in a digital world.

Mobile banking growth and a demand for better technology is no surprise. But you might not have anticipated contending with nontraditional competitors. How to keep up? With cutting edge features like debit card/on off, our Mobile Banking App can help.

DMS TestLab® is a powerful testing tool that helps companies gain better control over credit policy testing and improve processes. It provides quick and convenient access to test data contained in private test regions, and consists of an integrated Test Data Repository, Data Editor, and Bureau Simulator. Kara Maccabe and Anthony Henard, Digital Matrix Systems, demonstrate how the platform allows users to have full control over their test populations, with the ability to edit reports in order to emulate any credit history behavior. Once a test population has been edited and modified as required, it can be moved to the simulator to perform end-to-end bureau testing.For more information or to schedule an in-depth demo, visit DMS.

High-profile hacks such as the attack on the Swift messaging system highlight how banks depend on each other to have top-notch cybersecurity. "Everyone's security is at risk, because everyone is communicating with each other," says Andre McGregor, director of security at Tanium.

Innovative payment processing helps issuers deliver the right marketing messages at the right time, using insights from cardholder behavior. Watch this short video to learn how agile processing lets you quickly and cost-effectively deploy unique card products with the latest features your customers will want to use again and again.