PYMNTS queried 25 executives well-seasoned in tech, payments and commerce to gain insight on everything from A to Z ― from AML to Zelle, you might say ― and beyond.

How we buy, and sell, and keep track of it all, is also changing – not just for consumers, but also for businesses, and for the banks that cater to them. Treasury management professionals are finding value in the linkups between FinTech and traditional financial institutions, helping corporate customers of all sizes and across any number of verticals cut down on the paper chase. Executives also weighed in on how the regulatory landscape is changing, as watchdogs strive to combat illicit fund flows. Billions of dollars in fines have and are accruing, as legacy anti-money laundering systems failed to do what they were designed to do – and so firms must grapple with the challenge of innovation in the endeavor of staying one step ahead of the bad actors. GDPR and PSD2 are helping to shape data sharing.

New ways to pay – as in alternative payments? They’re discussed here, of course, bitcoin and cryptos among them. New ways to track data? Blockchain finds its way into consideration. All of this and more, as they say. Seems the more things change, the more things … change. So get ready for what’s next by reading about what happened over the rollicking dozen months of progress and surprises that was 2018.