Innovation in mobile payments. Innovation in mobile payments. (Source: Shutterstock)

Retail banking and fintechs are the leading sectors when it comes to payments innovation, with regulation playing a key part in forcing industry change according to the "Culture of Innovation Index."

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Roy Urrico

Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).