November, 2025

• 1 November

  The Customer Experience Depends on Payment Orchestration

  

  Merchants must juggle in-store sales with e-commerce and mobile shopping. There’s tech for that. As e-commerce accelerates, many assume the retail future is fully digital. But 84.1% of total U.S. retail sales were made in-store during the first quarter of 2025, a reminder that brick-and-mortar isn’t going away. With in-store …

September, 2025

• 1 September

  Making Payments Part of the Conversation

  

  Allowing customers to pay via a text message is becoming reality faster than you might have supposed. Text messaging has been around for decades. It’s a simple tool for connecting. But what’s happening right now with the beginning of the widespread adoption of Rich Communication Services, or RCS, is nothing …

May, 2025

• 1 May

  The Turned-on Wallet

  

  With cards as the foundation, digital wallets are poised to capture more transaction share. Here’s what that means for merchants and acquirers. Digital wallets have been around in the U.S. market for about 10 years, yet they still may not be used by everyone for in-store and online purchases. But …

April, 2025

• 1 April

  Can Stablecoins Bridge the Payments Liquidity Gap?

  

  Digital currency could solve some knotty problems plaguing cross-border payments. A chasm persists within payments liquidity, posing a significant challenge for payments companies and fintechs providing cross-border transactions. Traditional models, which rely on prefunded accounts and correspondent banking networks, have demonstrated that they are often inefficient and costly. In 2023, …

January, 2025

• 1 January

  The Digital Evolution of Debit POS And ATM Cards

  

  Digital payments on debit are rising inexorably, but that doesn’t mean banks can’t leverage their strengths in ATM deployment. Debit cards are incredibly versatile.  What started as a device for initiating transactions at ATMs has morphed into a tool for in-store and online purchases, bill payments, money transfers, mobile-wallet funding, …
• 1 January

  How AI Is Transforming Payments

  

  With advances in artificial intelligence, developing more and better payments apps efficiently is no longer a pipe dream. Whether they’re automating repetitive tasks or predicting market trends and consumer behavior, payments companies are embracing artificial intelligence. A key driver, especially in the back office, is the technology’s ability to automate …

July, 2024

• 1 July

  The Dawn of the Digital Payment Identity

  

  In the Visa Flexible Credential, has the payments industry found its ultimately secure identity solution? New ways to use technology, changing consumer preferences, and comfort with digital payments may all be fostering the first steps toward a digital-payment identity. But is it time for a digital-payment identity? Visa must think …

April, 2024

• 1 April

  Five Ways AI Will Improve Bill Payments

  

  Artificial intelligence, once the stuff of science fiction, is coming fast to the business of bill payments. Here’s why—and how.  I recently turned on my smart speaker and enjoyed a music playlist curated just for my tastes and listening habits. When I scrolled through social media, I received customized shopping …

March, 2024

• 1 March

  Lessons Learned From the Chip Shortage

  

  Wide-ranging disruptions in microchip supply slammed the payments industry hard from 2020 to 2022. Now, are terminal makers better prepared? Back in 2020 and 2021, terminal makers were scrambling to get their hands on the microchips they needed to power their devices. Lead times on orders had stretched to 18 …

November, 2023

• 1 November

  Super Apps: The New Frontier—And the Risks Involved

  

  These apps are becoming more popular and encompassing more and more sensitive data—which is exactly why they’re attracting cyberthieves. In today’s highly competitive market, brands are tasked with providing a seamless, integrated, and convenient user-app experience to attract users. With the limited space on smart phone home screens, companies have …