March, 2025

• 1 March

  Payments Markets Sort Out the Winners

  

  Networks thrive or fail depending on how well they serve multiple constituencies. An evolving patchwork of more than 1,000 payment networks serves consumers, businesses, banks, and the economy. People take the reliability, convenience, security, and continued improvement of these systems for granted. Unless existing systems aren’t adequately serving consumers, businesses, …

February, 2025

• 1 February

  Intelligent Risk in Retail Payments

  

  More than ever, it’s crucial that sales and risk management collaborate. Every Saturday morning, I lace up my gloves and step into the ring for a Muay Thai session. While the world of combat sports and payments might seem worlds apart, there’s a surprising parallel to draw in the art …

January, 2025

• 1 January

  AI is Revolutionizing Payments Security

  

  With a constant threat of fraud, it’s past time to harness this technology. In an era when financial fraud is becoming increasingly sophisticated and prevalent, accounts payable departments find themselves on the front lines of a digital battlefield. With global losses from fraud schemes reaching a staggering $485.6 billion last …

December, 2024

• 1 December

  With Regulation, Less Is More

  

  Open banking has great potential, but regulators should keep their thumbs off the scale. In October, Rohit Chopra’s Consumer Financial Protection Bureau published its long-awaited Personal Financial Data Rights rule, implementing section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The CFPB’s open-banking rule mandates that banks, …

November, 2024

• 1 November

  Why Pay by Bank is Safer Than You Think

  

  Here’s why this efficient payment method is steadily overcoming doubts to establish itself as a safe, efficient—and fast—alternative to cards. From instant-payment processing times to real-time account access and the option to choose from multiple payment options, the modern digital economy is driven by demands to provide businesses and consumers …

October, 2024

• 1 October

  Merchants: Control Your Payments Destiny

  

  Tokenization is the key to reducing the risks posed by an ever-rising flood of data breaches. Mastercard recently unveiled plans to eliminate manual card entry for online transactions in Europe by 2030, marking another milestone for tokenization in payment processes. This change aims to not only bolster payment security, but …

September, 2024

• 1 September

  Are You in Control?

  

  If you control the payment, you control the loan, the deposit, and the entire customer relationship. I’ve echoed these same words you see in the headline to bank partners for over a decade, but never has this sentiment been more poignant than in today’s dynamic banking market. You see, for …

July, 2024

• 1 July

  The Ingredients of Success

  

  The contrast between the approach in the U.S. and that in Europe underscores the importance of competition and innovation. Many U.S.-domiciled payment networks are relevant, even dominant, globally, whereas few European payment systems are. Europe and the United States are both served by a patchwork of retail, peer-to-peer, and interbank …

June, 2024

• 1 June

  It’s Time for Digital Revolving Credit

  

  It isn’t a credit card and it isn’t BNPL. Instead, it’s the best of both worlds. As a provider of e-commerce financing solutions, we’ve watched with interest the latest calls for buy now, pay later (BNPL) transparency. We’ve also often seen this method of installment lending compared to traditional credit …

May, 2024

• 1 May

  PayTech Women 20 Years Later

  

  The PTW community helps women break through barriers to achieve career goals in the payments industry. Tiny ideas that are against the norm can take on a life of their own, leading to systemic change. Just ask Holli Targan, Diane Faro, Mary Gerdts, and Linda Perry, four women who came …