April, 2021

• 1 April

  A New Model for Value Exchange

  

  It’s time to replace interchange with a model that fairly represents the value each party receives. Fintechs have shown us the way to create exciting new forms of financial services. But we are merely scratching the surface of what the age of intelligent systems can do for the payments industry. …

February, 2021

• 28 February

  Covid’s Unexpected Upside

  

  By shifting stores and consumers to contactless payment, the pandemic made it easier to stop fraud.  One year into a global pandemic, and our lives will never be the same. The way we work, shop, travel, and entertain ourselves have all seen major changes during a year of living surrounded …

January, 2021

• 29 January

  Merchant Feedback: The Not-So-Secret Key to Success

  

  Payments providers must move beyond merely transactional relationships to build lasting business. The global payments market is becoming an increasingly attractive space for competition. In 2019, global payments revenue was a massive $2 trillion, which is drawing increasing attention from new players that wish to rapidly jump in the payments …
• 1 January

  Retail Payments in 2021—And Beyond

  

  New technologies like pay-by-link and click-to-pay will get a workout this year. With 2020 unlike any other year in our history, it is certainly challenging to predict what the future may hold. One thing is clear, though. There has been an extreme shift in consumer behavior, and that shift is …

December, 2020

• 1 December

  Time to Go Big(ger)

  

  A burgeoning opportunity awaits payments firms that can integrate with software houses to serve mid-market clients. Mid-market businesses are increasingly faced with the need to execute on multiple priorities at once, from enhancing customer experience to increasing back-office efficiency to finding ways to drive additional revenue. As a result, they …

November, 2020

• 2 November

  The Real Deal for Real-Time

  

  Multiple real-time services may flourish, but don’t discount the Fed’s ability to corner volume. Over the last several decades, there has been a crescendo of interest from regulators and the industry worldwide in real-time interbank payments. Instant interbank payments displace batch automated clearing house transfers and enable new use cases, …

October, 2020

• 1 October

  Do Rich People Pay Less?

  

  The Reverse Robin Hood hypothesis sounds compelling. Here’s why it’s wrong. Do rich people pay less for goods and services than the average person? This topic came up recently in The Wall Street Journal article “The Credit-Card Fees Merchants Hate, Banks Love and Consumers Pay.” The reporters quote Aaron Klein’s …

September, 2020

• 1 September

  Why Signatures Won’t Go Away

  

  The networks stopped requiring signatures two years ago. Something else is keeping them alive. “Just sign this receipt and you’ll be all set.” Not being a violent person by nature, it did cross my mind to take the pen and jam it into the checkout counter, glaring defiantly at the …

July, 2020

• 1 July

  How Fintechs Can Lower Liability

  

  The key is to review customer contracts at least annually. Here are three crucial reasons why. When used properly, litigation is an important and effective tool for enforcing a company’s contractual obligations and other rights. However, some individuals and entities misuse the legal process, bringing meritless lawsuits in an attempt …

June, 2020

• 1 June

  The Next Big Market for ISVs

  

  Here’s a look at the impact integrated payments can have on the vet industry. The global veterinary-services market is projected to reach $200 billion in 2020. Indeed, the landscape is quickly evolving, creating more demanding needs from practice managers looking to reduce costs, improve the customer experience, and generate revenue. …