Careers in IT security remain hot, says David Foote, noted researcher and analyst of IT workforce trends. But there's a disconnect between current job opportunities and the talent pool looking to fill them.

The future worth of payments will not rely so much on tangible currency, but more on digital value and data. And that means a stronger need for security and data management.

Facial recognition technology could prove to be an effective way to authenticate individuals seeking entry to secured buildings or databases storing sensitive information. But the biometric technology already is being abused, and IT security managers employing facial recognition should be careful to encrypt the biometric data, cautions a privacy rights leader.

Fraud is a global concern, and an area regulators and financial institutions the world-over are watching closely, says Bill Isaac. Whether a cyberthreat or mortgage fraud, investments in fraud prevention will continue, despite the state of the international economy.

ICBA's Chris Lorence says all financial institutions, especially community banks, should appreciate the positive and negative effects posts on social-networking sites can have on their reputations.

Former FDIC head Bill Isaac says U.S. banks have strengthened their financial footing since the market collapse of 2008, but the U.S. economy remains on the verge of a "double-dip" recession. The reason: poorly planned regulatory reforms.

As banks and credit unions assess online risk, in light of the updated guidance from the FFIEC, financial fraud analyst Tom Wills says they should consider mobile as a viable layer for out-of-band authentication.

Regulation and legislation are working in banking institutions' favor, helping them enhance fraud prevention and detection investments for debit and online banking.

Eduardo Perez says, simply, the "time was right" for Visa's introduction of chip-based payments incentives for U.S. merchants. Visa's new mobile-to-EMV program offers PCI-audit-compliance waivers to qualified merchants who implement dual-interface contact and contactless acceptance.

Bob Russo says the long-awaited PCI guidance on tokenization should provide merchants with a baseline for standardization and best practices, and serve as a roadmap for how tokenization can complement compliance with the PCI-DSS.