December, 2016

• 1 December

  Open Platforms And the IoT

  

  Our cover story this month describes the security issues surrounding the so-called Internet of Things. That’s the increasingly intricate network of devices using the Internet to control everything from garage doors to thermostat settings. In many cases, payments flow over this IoT, and therein lies the problem. As our story …

November, 2016

• 1 November

  A Way Forward?

  

  This month we present the 10th edition of our annual 10 Most Pressing Issues in E-Payments. We’re sure you’ll find this interesting, if somewhat unsettling, reading, and no doubt you can think of a few issues that aren’t in the current ranking. So can we. In fact, we can think …

October, 2016

• 1 October

  Is Same-Day Fast Enough?

  

  By the time you read this, the nation’s automated clearing house network will have been processing same-day credit settlements for a little more than a week. That may not sound revolutionary, but in many respects, it is. For one thing, the ACH has speeded up clearing time pretty significantly. Credit …

September, 2016

• 1 September

  Time to Get Past Passwords

  

  Who among us hasn’t, at one time or another, sat in abject frustration as a Web site demanded a user name and password that we simply can’t recall. Most of the time, the information we’re trying to access isn’t crucial, so we can simply move on to something else. But …

August, 2016

• 1 August

  Your Guide to Keeping up With Change

  

  If there is any certainty in today’s digital-payments arena, it’s that change is sweeping through the business at an ever-increasing pace. Just look at how the business has evolved over the past 30 years or so. In the 1980s, we were talking about the migration of debit cards from ATMs …

July, 2016

• 1 July

  The Networks’ Signature Moment

  

  Ever since Visa Inc. and MasterCard Inc. announced their plans five years ago to introduce EMV chip cards in the United States, controversy has dogged the U.S. market’s effort to wean itself off of the magnetic stripe. One of the biggest conflicts has to do with how EMV cardholders should …

June, 2016

• 1 June

  Durbin Redux

  

  U.S. Sen. Richard Durbin, D-Ill., is familiar to Digital Transactions readers as the author of the celebrated (or infamous, depending on your point of view) Durbin Amendment to the 2010 Dodd-Frank Act. That little cherry on top of the Dodd-Frank sundae put a cap on how much interchange big banks …