The Money 20/20 conference, held in Las Vegas last week, always brings the best buzz in payments and security innovation. We cherry picked coverage from the conference in our must-reads below.

ATMs are far from a thing of the past. Cash remains king in America, and ATMs continue evolving to meet consumers’ changing needs.

We are living in exponential times. Just as we figure out a new technology, an even newer one comes on the scene. This is one of the many reasons why digital transformation experts advise business leaders to focus on the user, not the technology.

Is innovation really rampant in financial services? This week’s must-reads highlight global award-winners and Money 20/20 trends, but also pose the question of iteration vs. true innovation.

According to Marketwatch, the 2017 holiday shopping season promises to be the second best since the end of the great recession – growing by 5.7 over the 2016 season.

How can your credit union leverage this information to deliver even greater value to members, and in turn, achieve top of wallet status for your cards programs? Here are three ideas…

Several emerging trends point to the continued need for free checking. Here are just a few.

Consumers want to transact in a multitude of ways: by phone; at an ATM or shared branch kiosk; inside a credit union branch; by PC, tablet or smartphone; or using an IVR system.

How does an industry built on personalized human service maintain its relevance in a data-dominant world?

Visa’s recently released Digital Commerce App gives FIs of all sizes a new option for strengthening their mobile presence and achieving top-of-wallet status. TMG plans on making this app available to its clients in the coming months.

“Omnichannel” is more than just a recent buzzword. It represents an expectation consumers have from their experiences with their merchants and their FIs. By understanding what drives consumers in this omnichannel environment, FIs can work to optimize the path to purchase.

Already, advancements in authentication methods, such as tokenization, provide greater consumer security in mobile payments.

Visa’s Quick Chip and MasterCard’s M/Chip Fast give FIs another arrow in their quiver as they woo remaining EMV doubters into embracing the technology.

The migration to EMV chip cards has been a positive experience for some and a less-than-ideal experience for others. Because EMV in the U.S. is still in its early stages, there are many kinks to iron out.

To remain relevant, card issuers should offer consumers card conveniences and benefits that best meet their needs.

Financial institutions can leverage big data in order to improve their credit card portfolios.

With the expectation that the Federal Reserve will implement additional interest rate changes in 2016, financial institutions should be prepared to respond.

When deciding whether or not to offer a rewards option, credit card issuers would do well to choose rewards.

Although student loan debt routinely makes the news as being the most challenging debt factor facing Millennials, credit card debt surpasses student loans as the most common form of debt for Millennials.

While progress has been made on the U.S. EMV conversion, hurdles remain for many merchants.