June, 2024

• 1 June

  How Fintech Can Cope With the Investment Crash

  

  The days of easy money may be over, but that doesn’t mean worthwhile startups can’t start up. “Hard times create strong men, strong men create good times, good times create weak men, and weak men create hard times.” So said author G. Michael Hopf in the quote which has become …

May, 2024

• 1 May

  Super Apps, Embedded Finance, And the Future of Payments

  

  For Payfacs and ISVs, the all-in-one platform is becoming essential for survival. You don’t need me to tell you the world is changing rapidly. The expectations held by consumers and businesses are skyrocketing, and the race to meet those expectations will bring us to a whole new level of service …
• 1 May

  Is Generative AI More Friend Than Foe?

  

  GenAI carries risks, some not yet well-known. But its potential to transform payments is too compelling to ignore. Generative AI has been described as a Gold Rush for businesses looking to cash in on the better user experiences and operating efficiencies it is said to create. It has also been …

February, 2024

• 1 February

  AI’s Time Has Come

  

  Machine learning has long been a tool used by payments companies. Now, artificial intelligence is poised to offer even more utility. Safeguards will be needed. Artificial intelligence is on the cusp of changing how payments companies interact with each other and extract insights from the billions of units of data …

January, 2024

• 1 January

  Digital Experience, Strategic Advantage

  

  Are you considering the advantages of digital card issuing? You can be sure your competitors are. People are permanently anchored to their mobile devices today. The average American spends more than five hours on their device each day, checking their phone on average 96 times, or approximately once every 10 …

November, 2023

• 1 November

  Can You Afford to Keep Your Back Office?

  

  Patches and updates won’t cut it in an increasingly competitive payments industry. Time to install modern computing power. While some financial institutions try to hang on to their legacy systems, the costs to manage, maintain, and repair these systems are rising. Many now spend more every year on patches, updates, …

October, 2023

• 1 October

  How FedNow Can Spur New Anti-Fraud Strategies

  

  The Fed’s new real-time payments platform will pose challenges for risk management. Here’s how to cope with that. The U.S. Federal Reserve made its FedNow instant-payments service live in July. It enables a faster flow of cash for companies and individuals, improving the overall flow of money through the U.S. …

June, 2023

• 1 June

  Faster Payments Mean Real Supply Chain Gains

  

  Real-time payments can bring much more flexibility—and potential profit—to businesses of all sizes. Following Covid’s chaos, that’s good news. Supply-chain chaos has forced many companies to adopt new strategies to keep goods moving and meet demands for fast funds. The financial-services industry is no exception to the growing demand for …

March, 2023

• 1 March

  What’s in Your Wallet?

  

  Whatever it is, seven big banks hope consumers will prefer their new app instead—which has no name and about which there are few details. The seven big banks that own Early Warning Services LLC—operator of the Zelle payments network—are hoping they can make inroads with a new digital wallet. It’s …

December, 2022

• 1 December

  Time to Reform the CFPB

  

  The Fifth Circuit’s ruling that the way the agency is funded is unconstitutional opens the door to rewrite its remit and take politics out of its decisions. Paraphrasing Leon Trotsky, payment systems, processors, fintechs, and financial-services firms may not be interested in the CFPB, but the CFPB is interested in …