March, 2026

• 17 March

  What’s Driving Payment Innovation? Ask Higher Ed

  

  The student payments process influences far more than you think. The biggest force reshaping the payments landscape isn’t just technology, innovation, or regulation. It’s consumers. People expect more flexibility, more control, and more immediacy in how they pay. They’re trained by e-commerce, subscription services, retail checkout flows, travel apps, and …

February, 2026

• 1 February

  When Legacy Systems Hold You Back, Start Here

  

  Examples from the world of higher education shed light on how to do payments modernization right. Go back to college today, and it’s likely you’ll experience a split reality. Students tap their watches to pay at cafés, scan their palms at dining halls, or breeze through checkout lanes with “just-walk-out” …

November, 2025

• 1 November

  How to Tackle CEDP In the Age of Data

  

  There’s tighter data rules from Visa applying to more merchants. Here’s what to expect—and how to cope. In payments, data has always been the fulcrum that processing balances on. The quality of any transaction response utterly depends on the quality of the request. With its Commercial Enhanced Data Program (CEDP) …

October, 2025

• 1 October

  The Hidden Risks in BNPL

  

  Buy now, pay later is gaining in popularity—but that fast uptake may cause headaches down the road. FICO’s announcement earlier this summer that buy now, pay later (BNPL) loans will soon affect credit scores for millions of Americans signals the credit industry’s scramble to catch up with BNPL reality. Yet …

September, 2025

• 1 September

  In A Hard Economy, Leverage a Subscription Model

  

  Here’s how subscription payments can be a key contributor to building loyalty, reducing churn, and boosting cash flow. If you are a merchant, sell to merchants, or have a friend who is a merchant that sells subscriptions or recurring services, then this article is for you. When money is tight, …

August, 2025

• 1 August

  Making Gift Cards Thrive

  

  New data reveal how ease of access and thoughtful design drive gift card success. In today’s busy world, convenience isn’t just appreciated, it’s expected. Whether we’re ordering groceries, booking a ride, or sending a last-minute birthday gift, we want it done fast, easy, and without hassle. That’s why gift cards …

July, 2025

• 1 July

  Fighting Fire With Fire

  

  Bad actors are using AI to commit financial fraud. Financial institutions need to leverage AI tools to fight back. Bank fraud is at an all-time high. Roughly one in three adults in the U.S. were victims of financial fraud or a scam in 2024, with nearly 37% of them losing …

June, 2025

• 1 June

  Can A2A Go Mainstream?

  

  Its prospects look brighter, but formidable hurdles remain. For years, account-to-account (A2A) providers have been eyeing the holy grail of in-store payments—true contactless convenience—but have been held back by closed ecosystems and technical limitations. Now, the Apple Inc. decision opens the door for widespread rollout of A2A tap-to-pay across Europe. …

May, 2025

• 1 May

  Making Payments Data Pay Off

  

  Getting the most out of the data exhaust depends on an idea called analytics-as-a-service. In the fast-moving world of fintech, every swipe, tap, and online checkout generates more than just a payment. It generates data. And in today’s digital economy, that data exhaust is becoming one of the most valuable …

April, 2025

• 1 April

  How Digital Twins Unlock Innovation

  

  New services like real-time payments and open banking demand a real-time ledger alongside the core—a digital twin. Here’s why. The financial-services industry is at an inflection point, driven by the rapid rise of real-time payments and consumer expectations for 24/7 banking. Legacy core-banking systems, while reliable, were not designed to …