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PaymentsJournalPaymentsJournalA Fragmented Accounts Payable Process Is a Liability in More Ways Than OneAt best, an inefficient accounts payable process can result in delayed payments or limited visibility into spending. At worst, it could lead to misrouted payments and an increased probability of fraud. Yet many organizations still rely on outdated AP processes—jeopardizing relationships with the suppliers that keep their business moving. In a recent PaymentsJournal podcast, Marchelle Becher, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the obstacles businesses face in the AP process, the role of prepaid and virtual cards in payouts, and how a unified pa...2025-07-2221 minPaymentsJournalPaymentsJournalA Fragmented Accounts Payable Process Is a Liability in More Ways Than OneAt best, an inefficient accounts payable process can result in delayed payments or limited visibility into spending. At worst, it could lead to misrouted payments and an increased probability of fraud. Yet many organizations still rely on outdated AP processes—jeopardizing relationships with the suppliers that keep their business moving. In a recent PaymentsJournal podcast, Marchelle Becher, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the obstacles businesses face in the AP process, the role of prepaid and virtual cards in payouts, and how a unified pa...2025-07-2221 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastA Fragmented Accounts Payable Process Is a Liability in More Ways Than One At best, an inefficient accounts payable process can result in delayed payments or limited visibility into spending. At worst, it could lead to misrouted payments and an increased probability of fraud. Yet many organizations still rely on outdated AP processes—jeopardizing relationships with the suppliers that keep their business moving. In a recent PaymentsJournal podcast, Marchelle Becher, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the obstacles businesses face in the AP process, the role of prepaid and virtual cards in payouts, and how a unified pa...2025-07-2221 minPaymentsJournalPaymentsJournalBeyond Plastic: Why Digital Cards Are the FutureDigital cards saw a significant boost in adoption during the pandemic, initially driven by necessity. However, it quickly became clear that hygiene was just one of many benefits—and not even the most compelling one. Both consumers and retailers have found digital to be faster, more cost-effective, and more efficient than traditional physical options. In a PaymentsJournal podcast, Fiserv’s Wesley Suter, Senior Director of Product, and Kush Patel, Senior Product Advisor, as well as Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed the advantages digital cards offer over their physical counterparts, and how banks can...2025-07-0820 minPaymentsJournalPaymentsJournalBeyond Plastic: Why Digital Cards Are the FutureDigital cards saw a significant boost in adoption during the pandemic, initially driven by necessity. However, it quickly became clear that hygiene was just one of many benefits—and not even the most compelling one. Both consumers and retailers have found digital to be faster, more cost-effective, and more efficient than traditional physical options. In a PaymentsJournal podcast, Fiserv’s Wesley Suter, Senior Director of Product, and Kush Patel, Senior Product Advisor, as well as Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed the advantages digital cards offer over their physical counterparts, and how banks can...2025-07-0820 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastBeyond Plastic: Why Digital Cards Are the Future Digital cards saw a significant boost in adoption during the pandemic, initially driven by necessity. However, it quickly became clear that hygiene was just one of many benefits—and not even the most compelling one. Both consumers and retailers have found digital to be faster, more cost-effective, and more efficient than traditional physical options. In a PaymentsJournal podcast, Fiserv’s Wesley Suter, Senior Director of Product, and Kush Patel, Senior Product Advisor, as well as Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed the advantages digital cards offer over their physical counterparts, and how banks can...2025-07-0820 minPaymentsJournalPaymentsJournalWhat to Expect When Nacha’s Fraud Monitoring Rules Take EffectWhen a financial institution’s customer is tricked into sending a payment, there has often been little recourse for the victim. As credit push fraud becomes increasingly prevalent—amplified by sophisticated technologies—the financial services industry must strengthen its protections. This is why Nacha has developed a framework of fraud management rules that will go into effect next year. In a recent PaymentsJournal podcast, Devon Marsh, Managing Director, ACH Network Rules & Risk Management at Nacha, and Elisa Tavilla, Director of Debit Payments at Javelin Strategy & Research, examined the requirements of the new rules and the steps financial instit...2025-07-0117 minPaymentsJournalPaymentsJournalWhat to Expect When Nacha’s Fraud Monitoring Rules Take EffectWhen a financial institution’s customer is tricked into sending a payment, there has often been little recourse for the victim. As credit push fraud becomes increasingly prevalent—amplified by sophisticated technologies—the financial services industry must strengthen its protections. This is why Nacha has developed a framework of fraud management rules that will go into effect next year. In a recent PaymentsJournal podcast, Devon Marsh, Managing Director, ACH Network Rules & Risk Management at Nacha, and Elisa Tavilla, Director of Debit Payments at Javelin Strategy & Research, examined the requirements of the new rules and the steps financial instit...2025-07-0117 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastWhat to Expect When Nacha’s Fraud Monitoring Rules Take Effect When a financial institution’s customer is tricked into sending a payment, there has often been little recourse for the victim. As credit push fraud becomes increasingly prevalent—amplified by sophisticated technologies—the financial services industry must strengthen its protections. This is why Nacha has developed a framework of fraud management rules that will go into effect next year. In a recent PaymentsJournal podcast, Devon Marsh, Managing Director, ACH Network Rules & Risk Management at Nacha, and Elisa Tavilla, Director of Debit Payments at Javelin Strategy & Research, examined the requirements of the new rules and the steps financial instit...2025-07-0117 minPaymentsJournalPaymentsJournalDon’t Just React to What’s Next in Payments—Anticipate ItFor years, many businesses proclaimed they would never transition their payments to SaaS. Even as everything else moved to the cloud, financial professionals remained adamant that payment services and data would stay in-house. The data was considered highly sensitive, and few were willing to risk storing it outside their walls. But the benefits of Payments-as-a-Service (PaaS) have upended that thinking. More organizations are now realizing that leveraging external providers is transforming their payment structures—both for today and the future. In a Payments Journal Podcast, Mike Vigue, Head of Product at Finastra, and James Wester, Co-Head of Pa...2025-06-3015 minPaymentsJournalPaymentsJournalDon’t Just React to What’s Next in Payments—Anticipate ItFor years, many businesses proclaimed they would never transition their payments to SaaS. Even as everything else moved to the cloud, financial professionals remained adamant that payment services and data would stay in-house. The data was considered highly sensitive, and few were willing to risk storing it outside their walls. But the benefits of Payments-as-a-Service (PaaS) have upended that thinking. More organizations are now realizing that leveraging external providers is transforming their payment structures—both for today and the future. In a Payments Journal Podcast, Mike Vigue, Head of Product at Finastra, and James Wester, Co-Head of Pa...2025-06-3015 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastDon’t Just React to What’s Next in Payments—Anticipate It For years, many businesses proclaimed they would never transition their payments to SaaS. Even as everything else moved to the cloud, financial professionals remained adamant that payment services and data would stay in-house. The data was considered highly sensitive, and few were willing to risk storing it outside their walls. But the benefits of Payments-as-a-Service (PaaS) have upended that thinking. More organizations are now realizing that leveraging external providers is transforming their payment structures—both for today and the future. In a Payments Journal Podcast, Mike Vigue, Head of Product at Finastra, and James Wester, Co-Head of Pa...2025-06-3015 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastHow Embedded Payments Is Optimizing the Expense Management Process Organizations routinely ask employees to take clients out to lunch or attend industry conferences. Yet the expense management process designed to support these essential functions is often manual, time-consuming, and prone to delays, errors, and misuse. In a recent PaymentsJournal podcast, Susie Shyatt, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the common challenges businesses face in managing expenses—and how embedded payments can help streamline this inefficient process. Expense Reimbursement Vs. Corporate Cards One of the most common issues in the ex...2025-06-2516 minPaymentsJournalPaymentsJournalHow Embedded Payments Is Optimizing the Expense Management ProcessOrganizations routinely ask employees to take clients out to lunch or attend industry conferences. Yet the expense management process designed to support these essential functions is often manual, time-consuming, and prone to delays, errors, and misuse. In a recent PaymentsJournal podcast, Susie Shyatt, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the common challenges businesses face in managing expenses—and how embedded payments can help streamline this inefficient process. Expense Reimbursement Vs. Corporate Cards One of the most common issues in the ex...2025-06-2516 minPaymentsJournalPaymentsJournalHow Embedded Payments Is Optimizing the Expense Management ProcessOrganizations routinely ask employees to take clients out to lunch or attend industry conferences. Yet the expense management process designed to support these essential functions is often manual, time-consuming, and prone to delays, errors, and misuse. In a recent PaymentsJournal podcast, Susie Shyatt, Business Development Executive at B4B Payments, and Hugh Thomas, Lead Commercial Payments Analyst at Javelin Strategy & Research, discussed the common challenges businesses face in managing expenses—and how embedded payments can help streamline this inefficient process. Expense Reimbursement Vs. Corporate Cards One of the most common issues in the expense management pr...2025-06-2516 minPaymentsJournalPaymentsJournalHow Banks Can Bring Small Businesses Back to the FoldThe relationship between financial institutions and small businesses has grown increasingly strained. Many small businesses are becoming dissatisfied with their payment and banking services. In fact, more than half obtain their merchant payment accounts from providers other than their primary bank. In a PaymentsJournal podcast, Fiserv’s Tim Ruhe, Head of FI Payment Strategy, AJ Levin, Senior Director for Small Business Market Strategy, and Don Apgar, Director of the Merchant Payments Practice at Javelin Strategy & Research, discussed why small businesses are turning to fintechs for payment services and what banks need to do to remain competitive in th...2025-06-2417 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastHow Banks Can Bring Small Businesses Back to the Fold The relationship between financial institutions and small businesses has grown increasingly strained. Many small businesses are becoming dissatisfied with their payment and banking services. In fact, more than half obtain their merchant payment accounts from providers other than their primary bank. In a PaymentsJournal podcast, Fiserv’s Tim Ruhe, Head of FI Payment Strategy, AJ Levin, Senior Director for Small Business Market Strategy, and Don Apgar, Director of the Merchant Payments Practice at Javelin Strategy & Research, discussed why small businesses are turning to fintechs for payment services and what banks need to do to remain competitive in th...2025-06-2417 minPaymentsJournalPaymentsJournalHow Banks Can Bring Small Businesses Back to the FoldThe relationship between financial institutions and small businesses has grown increasingly strained. Many small businesses are becoming dissatisfied with their payment and banking services. In fact, more than half obtain their merchant payment accounts from providers other than their primary bank. In a PaymentsJournal podcast, Fiserv’s Tim Ruhe, Head of FI Payment Strategy, AJ Levin, Senior Director for Small Business Market Strategy, and Don Apgar, Director of the Merchant Payments Practice at Javelin Strategy & Research, discussed why small businesses are turning to fintechs for payment services and what banks need to do to remain competitive in th...2025-06-2417 minPaymentsJournalPaymentsJournalTaking the Check Out of Paycheck: The Role of Prepaid in PayrollThe traditional model of biweekly or monthly physical check payouts is rapidly becoming a thing of the past. For businesses, moving away from checks results in lower processing costs and a reduced risk of check fraud. While direct deposit offers clear benefits for employees, it’s not always their preferred method of receiving pay. In today’s competitive labor market, an organization’s compensation model can serve as a key differentiator. In a recent PaymentsJournal podcast, Kristin Ridgway, Vice President of Treasury and Payment Solutions at U.S. Bank, and Jordan Hirschfield, Director of Prepaid at Jav...2025-06-1621 minPaymentsJournalPaymentsJournalTaking the Check Out of Paycheck: The Role of Prepaid in PayrollThe traditional model of biweekly or monthly physical check payouts is rapidly becoming a thing of the past. For businesses, moving away from checks results in lower processing costs and a reduced risk of check fraud. While direct deposit offers clear benefits for employees, it’s not always their preferred method of receiving pay. In today’s competitive labor market, an organization’s compensation model can serve as a key differentiator. In a recent PaymentsJournal podcast, Kristin Ridgway, Vice President of Treasury and Payment Solutions at U.S. Bank, and Jordan Hirschfield, Director of Prepaid at Jav...2025-06-1621 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastTaking the Check Out of Paycheck: The Role of Prepaid in Payroll The traditional model of biweekly or monthly physical check payouts is rapidly becoming a thing of the past. For businesses, moving away from checks results in lower processing costs and a reduced risk of check fraud. While direct deposit offers clear benefits for employees, it’s not always their preferred method of receiving pay. In today’s competitive labor market, an organization’s compensation model can serve as a key differentiator. In a recent PaymentsJournal podcast, Kristin Ridgway, Vice President of Treasury and Payment Solutions at U.S. Bank, and Jordan Hirschfield, Director of Prepaid at Jav...2025-06-1621 minPaymentsJournalPaymentsJournalRemodeling Main Street: How Community Banks Can Leverage the Banking-as-a-Service ParadigmCommunity banks are the heart and soul of their localities, often providing the spark that helps small businesses achieve their goals. However, the emergence of new technologies in recent years means that more financial services companies are vying for a share of the smaller institutions’ markets. In a recent PaymentsJournal podcast, Matthew Wilcox, Deputy Head of Financial Institutions Group and President of Digital Payments at Fiserv, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed how community banks can select and implement relevant technologies and utilize the banking-as-a-service (BaaS) model to deliver a unique experience....2025-06-1214 minPaymentsJournalPaymentsJournalRemodeling Main Street: How Community Banks Can Leverage the Banking-as-a-Service ParadigmCommunity banks are the heart and soul of their localities, often providing the spark that helps small businesses achieve their goals. However, the emergence of new technologies in recent years means that more financial services companies are vying for a share of the smaller institutions’ markets. In a recent PaymentsJournal podcast, Matthew Wilcox, Deputy Head of Financial Institutions Group and President of Digital Payments at Fiserv, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed how community banks can select and implement relevant technologies and utilize the banking-as-a-service (BaaS) model to deliver a unique experience....2025-06-1214 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastRemodeling Main Street: How Community Banks Can Leverage the Banking-as-a-Service Paradigm Community banks are the heart and soul of their localities, often providing the spark that helps small businesses achieve their goals. However, the emergence of new technologies in recent years means that more financial services companies are vying for a share of the smaller institutions’ markets. In a recent PaymentsJournal podcast, Matthew Wilcox, Deputy Head of Financial Institutions Group and President of Digital Payments at Fiserv, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed how community banks can select and implement relevant technologies and utilize the banking-as-a-service (BaaS) model to deliver a unique experience....2025-06-1214 minThe World Crypto ReportThe World Crypto ReportSociété Générale Bets on Stablecoins. Bullish Files for IPO. Trump Sells Crypto Stake? | June 11, 2025Société Générale is preparing to launch a US dollar-backed stablecoin (0:57), Bullish is heading for a U.S. IPO (2:26), and a new court filing reveals Donald Trump offloaded part of his stake in a DeFi venture (3:55). Plus, former La Liga stars face fraud allegations over a defunct NFT platform (5:29). This is your essential update on the forces shaping what’s next in money. More on stories and articles mentioned or referenced in this episode: France’s Société Générale Launches USD Stablecoin. Wesley Grant. Payments Journal. https://www.payments...2025-06-1108 minPaymentsJournalPaymentsJournalHow FIs Are Cutting Through Subscription Clutter with PFM ToolsConsumers are inundated with accounts, apps, and subscriptions—often to the point where they lose track of what they’ve signed up for. This can be costly for consumers, but it also prevents financial institutions from gaining a clear view of a customer’s overall financial picture, limiting their ability to offer tailored services. In a recent PaymentsJournal podcast, Kevin Hughes, Director of Product Management, Aggregation and Information Services at Fiserv, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed how personal financial management (PFM) tools can help consumers stay on top of their accounts—and posi...2025-06-1018 minPaymentsJournalPaymentsJournalHow FIs Are Cutting Through Subscription Clutter with PFM ToolsConsumers are inundated with accounts, apps, and subscriptions—often to the point where they lose track of what they’ve signed up for. This can be costly for consumers, but it also prevents financial institutions from gaining a clear view of a customer’s overall financial picture, limiting their ability to offer tailored services. In a recent PaymentsJournal podcast, Kevin Hughes, Director of Product Management, Aggregation and Information Services at Fiserv, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed how personal financial management (PFM) tools can help consumers stay on top of their accounts—and posi...2025-06-1018 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastHow FIs Are Cutting Through Subscription Clutter with PFM Tools Consumers are inundated with accounts, apps, and subscriptions—often to the point where they lose track of what they’ve signed up for. This can be costly for consumers, but it also prevents financial institutions from gaining a clear view of a customer’s overall financial picture, limiting their ability to offer tailored services. In a recent PaymentsJournal podcast, Kevin Hughes, Director of Product Management, Aggregation and Information Services at Fiserv, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed how personal financial management (PFM) tools can help consumers stay on top of their accounts—and posi...2025-06-1018 minThe PaymentsJournal PodcastThe PaymentsJournal PodcastStranger Danger: Protecting Your Children from Identity Theft Although child identity theft has received increasing attention in recent years, most parents don’t discover it—let alone take action—until after experiencing a financial loss. Among families who reported a financial loss due to identity theft, roughly 96% did not have their children included in a family protection plan until after the breach had occurred. For the past four years, Javelin Strategy & Research has focused on the issue of child identity theft and the risks that threaten children. In a PaymentsJournal podcast, Tracy Goldberg, Director of Cybersecurity at Javelin, and Eva Velasquez, CEO of the Identity Theft...2025-06-0920 minPaymentsJournalPaymentsJournalStranger Danger: Protecting Your Children from Identity TheftAlthough child identity theft has received increasing attention in recent years, most parents don’t discover it—let alone take action—until after experiencing a financial loss. Among families who reported a financial loss due to identity theft, roughly 96% did not have their children included in a family protection plan until after the breach had occurred. For the past four years, Javelin Strategy & Research has focused on the issue of child identity theft and the risks that threaten children. In a PaymentsJournal podcast, Tracy Goldberg, Director of Cybersecurity at Javelin, and Eva Velasquez, CEO of the Identity Theft...2025-06-0920 minPaymentsJournalPaymentsJournalStranger Danger: Protecting Your Children from Identity TheftAlthough child identity theft has received increasing attention in recent years, most parents don’t discover it—let alone take action—until after experiencing a financial loss. Among families who reported a financial loss due to identity theft, roughly 96% did not have their children included in a family protection plan until after the breach had occurred. For the past four years, Javelin Strategy & Research has focused on the issue of child identity theft and the risks that threaten children. In a PaymentsJournal podcast, Tracy Goldberg, Director of Cybersecurity at Javelin, and Eva Velasquez, CEO of the Identity Theft...2025-06-0920 minPaymentsJournalPaymentsJournalThe Agentic Advent: How the Next Iteration of AI is Shaping CommerceAlthough generative artificial intelligence has powerful proficiencies, its limitations have become more apparent as the technology is deployed at scale. Now, however, Visa and Mastercard have unveiled platforms aimed at giving AI an even more prominent role—AI agents will soon be able to shop and make purchases with minimal consumer input. In a recent PaymentsJournal podcast, Christopher Miller, Lead Emerging Payments Analyst, Suzanne Sando, Lead Fraud Management Analyst, Don Apgar, Director of Merchant Payments, Jordan Hirschfield, Director of Prepaid, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed the barriers to agentic commerce, potential us...2025-06-0600 minPaymentsJournalPaymentsJournalThe Agentic Advent: How the Next Iteration of AI is Shaping CommerceAlthough generative artificial intelligence has powerful proficiencies, its limitations have become more apparent as the technology is deployed at scale. Now, however, Visa and Mastercard have unveiled platforms aimed at giving AI an even more prominent role—AI agents will soon be able to shop and make purchases with minimal consumer input. In a recent PaymentsJournal podcast, Christopher Miller, Lead Emerging Payments Analyst, Suzanne Sando, Lead Fraud Management Analyst, Don Apgar, Director of Merchant Payments, Jordan Hirschfield, Director of Prepaid, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed the barriers to agentic commerce, potential us...2025-06-0600 minPaymentsJournalPaymentsJournalFrom Underdogs to Industry Leaders: How Vertical SaaS Powers Mid-Sized FirmsFor mid-sized companies striving to compete with multinational giants, Vertical SaaS has become a game-changer, helping them bridge the gap in their software needs. One of the key factors driving this shift is outbound payments—empowering even the smallest businesses to process payments in real time, leveling the playing field. Vertical SaaS seamlessly integrates a range of essential functions, like payments, and tailors them to the unique language and regulations of each industry. By offering a suite of interconnected services designed specifically for one vertical, Vertical SaaS has become the go-to solutions for businesses looking to scale an...2025-06-0413 minPaymentsJournalPaymentsJournalFear and Friction in Cross-Border Payments: The Alternative to Correspondent BankingAs digital connections have fostered a global community, the demand for cross-border payments has surged. And yet, the cross-border payments paradigm—where correspondent and intermediary banks work with originating banks to process payments—has remained largely unchanged for the past 50 years. In a recent PaymentsJournal podcast, Gary Palmer, President and CEO of Payall Payment Systems, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed the limitations of global payments systems, the emerging solutions to cross-border payment challenges, and the potential impacts on the global payment landscape. Coining a Phrase The current model for cros...2025-05-2925 minPaymentsJournalPaymentsJournalThe Gift Card Boom—and What’s Driving ItFor the 18th year running, gift cards topped wish lists as the most requested holiday present—solidifying their role as a cornerstone of seasonal giving1. With more occasions to gift than ever before, demand is surging, and retailers can’t afford to miss the opportunity. Insights from the 2025 Best Digital Gift Card Programs, Consumer Experience Benchmark Report, conducted by NAPCO research in partnership with Blackhawk Network (BHN), look at the trends behind this booming market, exploring who’s buying and why, and the retailers that are staying ahead of the curve. In this PaymentsJournal Podcast, BHN’s Sarah Ko...2025-05-2125 minPaymentsJournalPaymentsJournalDriving Into Digital: How Modernized Payments Platforms Impact Fleet ManagementWhen a driver misplaces their fleet card or uses it to fuel a personal vehicle, the consequences can be significant for the organization. Shifting to digital payments can help alleviate these pain points, yet many fleet managers have been hesitant due to concerns about maintaining control. In a recent PaymentsJournal podcast, Parker Pierce, Senior Product Manager at Highnote, and Ben Danner, Senior Credit and Commercial Payments Analyst at Javelin Strategy & Research, discussed the challenges fleet managers face with current payment systems, the benefits of emerging technologies, and strategies for modernizing fleet payments. Tokenizing Payment Prompts ...2025-05-2017 minPaymentsJournalPaymentsJournalPlaying Offense and Defense: Why Now Is the Time for Payments ModernizationFinancial institutions have traditionally been risk-averse, relying on tried-and-tested products and services. However, transformative innovations—such as real-time payment rails, artificial intelligence (AI), ISO 20022 adoption, and increasing demands for cybersecurity and fraud management—along with a constantly shifting regulatory backdrop—are making it critical for organizations to adopt new technologies. In a recent Payments Journal podcast, Radha Suvarna, Chief Product Officer for Payments at Finastra, and James Wester, Co-Head of Payments at Javelin Strategy & Research, discussed the trends shaping the financial services industry and how organizations can seek new opportunities while keeping security and compliance top of mind.2025-05-1324 minPaymentsJournalPaymentsJournalBoosting Revenue for Merchants by Optimizing Authorization RatesA critical factor is often overlooked when focusing on improving the customer experience: ensuring payments go through successfully. A failed payment is more than simply a lost sale. It can lead to wider-scale revenue impacts and erode customer confidence over time. In a recent PaymentsJournal podcast, John Winstel, VP of Optimization Product at Worldpay, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed the factors influencing authorization rates and examined how even small improvements can drive gains in both revenue and customer satisfaction. The Four Pillars of Payments Authorization Why do payments...2025-05-1213 minSimply CryptoSimply CryptoCrypto Regulations Eased and Circle’s New Payment Network UnveiledIn today's episode, we explore the significant regulatory shift as U.S. banking regulators, including the FDIC and Federal Reserve, withdraw key crypto-asset guidelines, signaling a more open stance towards crypto activities. We also delve into Circle's launch of the Circle Payments Network, a groundbreaking initiative aimed at revolutionizing cross-border payments using stablecoins and blockchain technology. Join us as we discuss the potential impacts on the financial sector and the future of global transactions. Sources: https://www.fdic.gov/news/press-releases/2025/agencies-withdraw-joint-statements-crypto-assets https://bankingjournal.aba.com/2025/04/fed-fdic-withdraw-statements-on-managing-risks-for-crypto/ https://bpi.com/bpi-response-to-fed-and-fdic-withdrawal-of-joint-statements-on-crypto-assets/ https://www.pymnts...2025-04-2508 minSimply FinanceSimply FinanceVisa’s Bold $100M Bid for Apple Card NetworkVisa makes a strategic $100 million offer to acquire Apple's credit card payment network, aiming to outpace Mastercard and American Express. This move could redefine Visa's role in the tech-driven financial sector. Explore the implications for Apple and the competitive landscape in today's episode. Sources: https://www.mitrade.com/insights/news/live-news/article-3-735326-20250402 https://www.paymentsjournal.com/no-buyers-for-the-apple-card-but-the-technology-is-hot/ https://www.ibtimes.co.uk/visa-makes-77-million-pitch-run-apples-credit-card-goldman-sachs-bows-out-1732332 https://macdailynews.com/2025/04/02/visa-offers-roughly-100-million-to-take-over-apple-card-from-mastercard/ https://www.fstech.co.uk/fst/Visa_Offers_Apple_100m_To_Replace_Mastercard_As_Credit_Card_Partner.php https://9to5mac...2025-04-0303 minPaymentsJournalPaymentsJournalTest XX As Payments Speed Up, Slowing Down Fraud Is More CriticalAs the world hurtles headlong toward real-time payments, speed and efficiency have often been prioritized over security. However, with faster payments comes faster fraud, and just as organizations deploy technology to streamline their systems, criminals are deploying complex schemes on a global scale. In a recent PaymentsJournal podcast, Dal Sahota, Director of Trusted Payments at LSEG Risk Intelligence, and Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, discussed the prevalence of fraud, the challenges it presents as payments accelerate, and the ways organizations can defend themselves. Sophistication at Scale 2024-12-0520 minPaymentsJournalPaymentsJournalAs Payments Speed Up, Slowing Down Fraud Is More CriticalAs the world hurtles headlong toward real-time payments, speed and efficiency have often been prioritized over security. However, with faster payments comes faster fraud, and just as organizations deploy technology to streamline their systems, criminals are deploying complex schemes on a global scale. In a recent PaymentsJournal podcast, Dal Sahota, Director of Trusted Payments at LSEG Risk Intelligence, and Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, discussed the prevalence of fraud, the challenges it presents as payments accelerate, and the ways organizations can defend themselves. Sophistication at Scale 2024-12-0420 minPaymentsJournalPaymentsJournalPrepaid-Powered Test X-C Loyalty Programs Drive Customer Engagement for MerchantsPrepaid cards X-C are in the midst of a dramatic transformation. With the incorporation of digital wallets, contactless payments, and artificial intelligence, prepaid cards have quickly become one of the most popular payment tools. In a recent PaymentsJournal podcast, Mani Farhang, Vice President of Product at Fiserv Gift Solutions, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed the key innovations occurring in the prepaid space and the ways merchants can leverage them to drive customer engagement. A Generational Shift The prepaid card market was once dominated by financial giants like...2024-12-0423 minPaymentsJournalPaymentsJournalPrepaid-Powered Loyalty Programs Drive Customer Engagement for MerchantsPrepaid cards are in the midst of a dramatic transformation. With the incorporation of digital wallets, contactless payments, and artificial intelligence, prepaid cards have quickly become one of the most popular payment tools. In a recent PaymentsJournal podcast, Mani Farhang, Vice President of Product at Fiserv Gift Solutions, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed the key innovations occurring in the prepaid space and the ways merchants can leverage them to drive customer engagement. A Generational Shift The prepaid card market was once dominated by financial giants like Visa an...2024-12-0323 minPaymentsJournalPaymentsJournalHow FIs Can Get Ready for Nacha’s Upcoming New RuleAs fraudsters become more innovative in their schemes, Nacha is rolling out new rules to address emerging fraud risks, particularly scams involving business email compromise, vendor impersonation, and the increasing use of money mules. These key changes, centered around the ACH rules, began rolling out in October and will continue through 2026. In a recent PaymentsJournal podcast, Glenn Fratangelo, Head of Fraud Prevention Product Strategy and Marketing at NICE Actimize, and Suzanne Sando, Senior Analyst of Fraud and Security at Javelin Strategy & Research, discussed what financial institutions need to do to enhance their fraud detection programs...2024-11-2022 minPaymentsJournalPaymentsJournalDuring a Hectic Holiday Season, Gift Cards Continue to Be a Reliable Bet The holiday season is here, bringing with it a host of celebrations. From office parties to family gatherings, shoppers are navigating an evolving landscape of gift-giving traditions. In our latest podcast episode, we dive into how consumer trends, new technologies, and the timeless appeal of gift cards are shaping the way people are gifting this season. In a recent PaymentsJournal podcast, Sarah Kositzke, Director of Research, and Jonathan Soffin, VP of Global Brand & Product Marketing at Blackhawk Network (BHN), chatted with Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research. They discussed the results of BHN’s Hol...2024-11-1919 minPaymentsJournalPaymentsJournalTaking On the AI-Assisted FraudstersArtificial intelligence is fueling a major transformation in the financial fraud landscape. AI has democratized criminal sophistication and fraud at a very low cost of conducting business, generating more malignant actors that financial institutions have to fight against. What can these institutions do to mitigate increasingly sophisticated frauds and scams? In a recent PaymentsJournal podcast, Kannan Srinivasan, Vice President for Risk Management, Digital Payment Solutions at Fiserv, and Don Apgar, Director of the Merchant Payments Practice at Javelin Strategy and Research, discussed how fraudsters are using generative AI to hone social engineering and bypass authentication, and how...2024-11-1325 minPaymentsJournalPaymentsJournalVery Real and Very Here: The Proliferating Use Cases for Instant PaymentsInstant payments have been a global phenomenon, but the momentum for real-time payments  is building in the U.S. There is a growing expectation among both businesses and consumers that when they send funds, the recipient should be able to access them instantly. In a recent PaymentsJournal podcast, Justin Jackson, SVP, Head of Enterprise Payments, Fiserv, and Robert Clayton, Vice President of Product Management, as well as Albert Bodine, Director of Commercial and Enterprise Payments at Javelin Strategy & Research, discussed the increasing number of use cases for instant payments and the progress that has made toward adoption.2024-11-1231 minPaymentsJournalPaymentsJournalBank of Canada Takes Oversight of Payment Service ProvidersIn 2021, the Government of Canada passed the Retail Payments Activities Act, which required the Bank of Canada, the nation’s central bank, to begin overseeing payment service providers (PSPs). Under the legislation, Canadian PSPs—along with any entities involved in the electronic transfer or storage of funds—must register between November 1 and 15. In preparation of these new regulations, Ron Morrow, Executive Director of Payments, Supervision and Oversight at the Bank of Canada, spoke with Brian Riley, Co-Head of Payments at Javelin Strategy & Research in a recent PaymentsJournal podcast. They discussed how and why PSPs should ensure they are re...2024-10-1715 minPaymentsJournalPaymentsJournalAccountants View AI as an Ally, not a CompetitorArtificial intelligence has had a dramatic effect across industries in a short time. Accounting is no exception, but there has been speculation of whether AI would replace those working in the profession. In a recent PaymentsJournal podcast, Ted Callahan, Accountant Leader at Intuit, and Albert Bodine, Director of Commercial Payments at Javelin Strategy & Research, explored key findings from the 2024 Intuit QuickBooks Accountant Technology Survey and their implications for the accounting sector – including how accountants are interacting with AI. The survey gathered insights from 700 accounting leaders to assess the impact of AI and technology on their firms. 2024-10-1521 minPaymentsJournalPaymentsJournalPrepaid Cards Are Essential Components of Rewards and Incentives ProgramsWhen the topic is prepaid cards, the store-branded or general-purpose gift cards at grocery stores and retailers might come to mind. However, a substantial number of businesses and organizations continually use prepaid cards for a range of cases, including employee incentives and customer rebates. In a recent PaymentsJournal podcast, Sheryl Shewman, Vice President of Business Development at U.S. Bank, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed the types of incentive programs and how organizations can leverage them to maximize employee engagement. A Must-Have More companies are offering some...2024-10-1019 minPaymentsJournalPaymentsJournalFor ISO 20022, the Time Is NowAs of March 10, 2025, ISO 20022 will become the messaging standard for financial services in the United States. Yet adoption continues to be slow among large and small banks, with only about a quarter of American banks already using the new protocol. As some have put it, it’s like waiting until the last minute to do your Christmas shopping. Are financial institutions ready for this conversion? In a recent Payments Journal podcast, Laura Sullivan, Senior Product Manager at Form3, spoke with James Wester, Co-Head of Payments at Javelin Strategy & Research, about the challenges and benefits banks are facing. Th...2024-09-2322 minThe Security Token ShowThe Security Token ShowThe Year of the RWA; Special Coverage on the Tokenization Industry - Security Token Show: Episode 246#tokenization #digitalassets #securitytoken Tune in to this episode of the Security Token Show where this week Herwig Konings covers the industry leading headlines and market movements, including how this is the Year of the RWA and gives a special announcement around our State of the Tokenization Industry 2024 report. This is brought to you by SteelWave Digital - Thank you! This week Jason Barraza had a chance to sit down with Arnab Naskar from STOKR and James Macedonio from Blockstream to discuss the Blockstream Mining Note ($BMN1) token performance & redemptions and the launch of the $BMN2...2024-08-0737 minThe Security Token ShowThe Security Token ShowThe Year of the RWA; Special Coverage on the Tokenization Industry - Security Token Show: Episode 246#tokenization #digitalassets #securitytoken Tune in to this episode of the Security Token Show where this week Herwig Konings covers the industry leading headlines and market movements, including how this is the Year of the RWA and gives a special announcement around our State of the Tokenization Industry 2024 report. This is brought to you by SteelWave Digital - Thank you! Company of the Week - Herwig: OpenEden: https://openeden.com/  State of the Tokenization Industry 2024 Report Brought to You by SteelWave Digital: https://docsend.com/view/mz4vnrewwjxm9cnp  The Token Debrief 1. Bl...2024-08-0519 minBIGcastBIGcastAlgorithmic Discrimination- and Other Sci-Fi-Sounding Terms Relevant TodaySo much news, so little time: John and Glen unravel Colorado’s new Artificial Intelligence Act, Apple’s hookup with OpenAI to fuel its own systems and the apparent unraveling of Visa/Mastercard’s merchant settlement. Plus, watching Siri age in warp speed.   Links related to this episode:   Law Firm Mayer Brown’s synopsis of Colorado’s AI Act: https://www.mayerbrown.com/en/insights/publications/2024/06/colorado-governor-signs-comprehensive-ai-bill  Colorado Public Radio’s take on the state law: https://www.cpr.org/2024/06/17/colorado-artificial-intelligence-law-implementation-ramifications/  Javelin Research on the imperiled Visa/Mastercard settlement: https://www.paymentsjournal.com/visa-mastercard...2024-06-1837 minUBCNews - CryptocurrencyUBCNews - CryptocurrencyCrypto Community Offers Web3 Training & ETH Rewards For Greek God NFT HoldersThe Greek Mythology Club is looking to inspire the NFT space by offering a community you actually want to be part of. You're encouraged to hold onto your assets, building your portfolio, so you can unlock a range of great HODL rewards! The creators explain that they’re focusing on developing educational resources through the HODL rewards program because this is a key part of their initiative to combat scams and rug pulls within the NFT space. The need for such a movement has become increasingly apparent in the wake of a rise in crypto-related sc...2024-04-0902 minACI Worldwide Podcast SeriesACI Worldwide Podcast SeriesSimplifying Payment Processing? Payment Orchestration Can HelpDuring a recent PaymentsJournal podcast, Dan Coates, Principal Solution Evangelist at ACI Worldwide, and Daniel Keyes, Senior Analyst of Merchant Services at Javelin Strategy & Research, explored the complex payments ecosystem and how payment orchestration allows merchants and PSPs to tackle obstacles head-on. 2023-11-0312 minCOMMERCE NOWCOMMERCE NOWThe Time to Revitalize Debit Rails is NowSummary On this special episode of COMMERCE NOW, Steve Kremer, Director of Sales in the Payments division at Diebold Nixdorf, and Sarah Grotta, Director of Debit and Alternative Products Advisory Service at Mercator Advisory Group, sat down with PaymentsJournal to discuss the most popular payment method, both in the United States and globally: Debit.  Listen in for a  discussion of why modernizing debit payments is crucial in both the banking and retail sectors. Related Content:  https://www.dieboldnixdorf.com/en-us/banking/insights/blog/get-your-message-out https://www.dieboldnixdorf.com/-/media/diebold/fil...2021-11-0217 minCOMMERCE NOWCOMMERCE NOWTraditional Banks Are Getting a Digital MakeoverSummary On this episode of COMMERCE NOW Jens Audenaert, SVP/GM of Payments at Diebold Nixdorf, and Tim Sloane, VP of Payments Innovation at Mercator Advisory Group sat down with PaymentsJournal to discuss the current trends in the banking industry and how traditional banks can use these trends to remain relevant in an industry full of new technology. Related Content:  https://www.dieboldnixdorf.com/en-us/banking/insights/blog/blurring-the-line-between-transaction-and-payment  https://www.dieboldnixdorf.com/-/media/diebold/files/banking/insights/qa-faq/mindshare_cryptocurrency.pdf Related Links: https://www.pa...2021-09-2418 minACI Worldwide Podcast SeriesACI Worldwide Podcast SeriesMachine Learning is the Newest Leader in Fraud PreventionMachine learning is nothing new, but during the pandemic, fraudulent activity hit an all-time high, and its popularity soared. Now, it is the primary tool used for mitigating fraud, and companies like ACI Worldwide are leading the charge in developing algorithms and models to serve each and every one of their customers.   To further discuss the benefits of machine learning and how it can better serve institutions looking to improve their fraud prevention technologies, PaymentsJournal sat down with Patricia Rojas, Senior Manager Data Scientist at ACI Worldwide, and Tim Sloane, VP of Payments Innovation at Mercator Advisory Group.2021-07-2318 minACI Worldwide Podcast SeriesACI Worldwide Podcast SeriesStrong Customer Authentication Makes Waves in the EU Payments IndustrySCA Implementation for the European Union   With the deadline for merchants in the EU to implement strong customer authentication (SCA) swiftly approaching, merchants must identify key changes needed for compliance. But what exactly are they facing?   In this expert podcast presented by PaymentsJournal, ACI’s Kieran Mongey, manager of solution consulting, merchant retail, explores the challenges at stake for today’s merchants, including: Identifying issues critical to implementation success Ensuring a seamless transaction experience for customers Addressing authentication adoption and the potential increase in issuer-bank declines 2021-06-1619 minChargeForward With Chargebacks911ChargeForward With Chargebacks911The Innovation Of Fraud (Interview)This episode is from an earlier interview with Monica Eaton-Cardone the COO at Chargebacks911. She was interviewed by Ryan McEndarfer on the PaymentsJournal Podcast. On this episode, Monica talks about the innovation of fraud and what merchants can do about it. In our conversation we cover topics such as: How fraud costs as a percentage of revenue has changed over the years What challenges in-house fraud teams face What advantages loss prevention firms bring to the table How fraud solutions impact customer satisfaction What percentage of chargebacks are links to preventable merchant error What...2020-08-1923 minFintech Insider Podcast by 11:FSFintech Insider Podcast by 11:FS365. News: Free money! Our expert hosts, David Brear and Will White, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Nicolas Kopp - US CEO, N26 Asya Bradley - VP Partnerships, Socure Collin Galster - Head of Business Development at Nova Credit We cover the following stories from the fintech and financial services space: Samsung Pay launches US international money transfers (04:24) Credit Karma moves into savings (07:37) Brex’s launches its Cash management account (17:06) OakNorth appoint ex Google exec as their platform business CE...2019-10-141h 02