Financial Innovation Now (FIN) submitted a public letter in December, contending that the Fed was best-positioned to operate a ubiquitous, interoperable real-time payments network. Innovation, flexibility and agility helped drive WEX’s acquisition of Discovery Benefits, Inc. (DBI). Mobile is expected to comprise more than half of eCommerce in the coming years. Online retailers are forecasted to open hundreds of stores, and Brandless has rolled out a subscription service.