Banks are making changes to improve their multifactor authentication processes.
Digital mobility and decision-support tools are creating in-house opportunities for financial advisors of varying backgrounds and expertise.
Financial institutions are increasingly focused on settlement efficiency; incoming market structure changes will add incentives to this end.
Online payment behaviors are more evident for consumers receiving electronic medical bills than for those receiving paper bills.
Providing ubiquity is the key to winning the U.S. digital P2P payments war.

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