April, 2024

• 1 April

  Get Set for the Passage to Passkeys

  

  The technology promises to thwart cyberthieves while simplifying authentication for consumers. In the ever-evolving landscape of online transactions, the banking and transaction experience is undergoing transformative shifts, focusing on regulatory compliance and fraud reduction, while creating optimal experiences for merchants and their customers. As the United States is the second-largest …

March, 2024

• 1 March

  What to Look for in the Coming Months

  

  Challenges abound for card managers. Here’s how to manage them more efficiently. The payments space is one arena in the financial services industry that is uniquely ripe for change and disruption. The growth of embedded finance, cross-border payments, blockchain technology, real-time transactions and more are all combining to create a …

February, 2024

• 1 February

  AI in Accounts Receivable in 2024

  

  Time to get serious about AI. The technology has bright promise in all sorts of applications. Given the exponential growth of adoption for artificial intelligence over the last 12 months, it’s only natural that leaders across industries are eager to map out how they might use (or continue to use) …

January, 2024

• 1 January

  Here’s Why COTS Is a Myth

  

  It’s a positive, hopeful one. But, for the time being, a myth just the same. The landscape of payments technology is rapidly evolving in many directions, serving previously unserviceable merchant environments and supporting electronic payments where they were once unsupportable. It’s easy to dismiss the role mobile technology plays in …

December, 2023

• 1 December

  Cutting Fraud Down to Size

  

  These days, fighting bad actors without automation is worse than useless. It’s dangerous to the bottom line. Automation is often thought of as a threat to humans’ jobs. I’d argue that mindset is very limiting. Technology and humans are complementary. Automation is here to enhance human actions and increase their …

November, 2023

• 1 November

  The Rising Tide in Digital Gift Cards

  

  Here’s how smart providers will ride the wave by pleasing customers. The gift card industry has significantly transformed over the past decade. With our modern world becoming more and more digital, brands must find ways to adopt the changing technology while keeping customer experience and protection at the center of …

October, 2023

• 1 October

  The Next (R)evolution in Embedded Services

  

  Here’s why more merchants and service providers are starting to embrace embedded finance. This year marks the 25th anniversary of PayPal. While e-commerce existed in some form as early as 1979 (once any new technology arises, it’s not long before someone monetizes it), PayPal changed the game for small- and …

September, 2023

• 1 September

  Miscoded Merchants Can Be a Seven-Figure Mistake

  

  Pay attention to your MCCs, or pay a hefty price later on. Merchant category codes (MCCs) play a central role in payments risk management, but too many service providers and acquirers take them at face value. Now, in the wake of renewed focus on MCCs by the payment networks, miscategorized …

July, 2023

• 1 July

  Leave E-Money to the Private Sector

  

  The case for the Fed running digital dollars is at best unclear, at worst unwise. Like many central banks, the Federal Reserve has been studying, and socializing, the idea of issuing digital currency, which in some form might be held and used by individuals, firms, banks, and other central banks. …

June, 2023

• 1 June

  When Payments Go to College

  

  Bringing digital technology to campuses can engender loyalty for a lifetime. Most businesses are facing the new normal of lean operating staff and growing overhead, but colleges and universities have an added hurdle. They must anticipate constantly changing needs and expectations for a tech-savvy and digital-native student market while navigating …