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PaymentsJournal
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PaymentsJournal
ACH and the Path Toward Future-Ready Payments
ACH is a critical part of the U.S. payment infrastructure, driving a significant portion of transaction volumes and supporting important use cases such as supplier payments, payroll, and many others. Despite competition from newer rails that serve similar purposes, ACH continues to grow at a remarkable pace. In a PaymentsJournal Podcast, Radha Suvarna, Chief Product Officer of Payments at Finastra, and James Wester, Co-Head of Payments at Javelin Strategy & Research, examined why ACH payments have remained so resilient and valuable, and highlighted the benefits for financial institutions considering offering ACH payments to their customers. ...
2026-03-02
19 min
PaymentsJournal
Not Just Another Bank: How Credit Unions Can Reach Younger Members
Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the kind of guidance credit unions excel at providing, they often perceive credit unions as just another bank. In a recent PaymentsJournal podcast, Velera’s Tom Pierce, Chief Marketing and Communications Officer, and Carrie Stapp, Vice President of Marketing, along with Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, analyzed two Velera studies—Eye on Paymen...
2026-02-25
21 min
The PaymentsJournal Podcast
Not Just Another Bank: How Credit Unions Can Reach Younger Members
Credit unions have distinct hallmarks: they are not-for-profit and member-owned. Yet amid the flood of financial services companies in today’s digital landscape, these differentiators can be difficult to convey. While many younger consumers are actively seeking the kind of guidance credit unions excel at providing, they often perceive credit unions as just another bank. In a recent PaymentsJournal podcast, Velera’s Tom Pierce, Chief Marketing and Communications Officer, and Carrie Stapp, Vice President of Marketing, along with Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, analyzed two Velera studies—Eye on Paymen...
2026-02-25
21 min
The PaymentsJournal Podcast
Escalating Scams Demand a Dedicated Response
Scams have become universal, affecting all types of consumers and every kind of organization. This has placed tremendous pressure on financial services firms, which often bear the brunt of the financial losses, to develop strong fraud prevention strategies to protect their customers. In a recent PaymentsJournal podcast, Raj Dasgupta, Vice President of Product Marketing at BioCatch, and Suzanne Sando, Lead Fraud Analyst at Javelin Strategy & Research, discussed the evolving forms of scams, the varying global approaches to fraud prevention, and how financial institutions can develop a blueprint to combat these threats. Inundated at Every Turn
2026-02-24
29 min
PaymentsJournal
Escalating Scams Demand a Dedicated Response
Scams have become universal, affecting all types of consumers and every kind of organization. This has placed tremendous pressure on financial services firms, which often bear the brunt of the financial losses, to develop strong fraud prevention strategies to protect their customers. In a recent PaymentsJournal podcast, Raj Dasgupta, Vice President of Product Marketing at BioCatch, and Suzanne Sando, Lead Fraud Analyst at Javelin Strategy & Research, discussed the evolving forms of scams, the varying global approaches to fraud prevention, and how financial institutions can develop a blueprint to combat these threats. Inundated at Every Turn
2026-02-24
29 min
PaymentsJournal
How Developers Are Driving the Future of Embedded Payments
Every year, billions of dollars vanish at the final step of online shopping, not because consumers change their minds, but because of hurdles within the checkout experience. Despite decades of innovation in payments technology, many shoppers still walk away when checkout feels slow or overly complex, costing businesses an estimated $260 billion annually. The answer may lie in the growing influence of developers as companies build embedded payment platforms. In a PaymentsJournal Podcast, Bryan Long, Senior Director of Product Management at North, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed how developers are driving...
2026-02-19
17 min
The PaymentsJournal Podcast
How Developers Are Driving the Future of Embedded Payments
Every year, billions of dollars vanish at the final step of online shopping, not because consumers change their minds, but because of hurdles within the checkout experience. Despite decades of innovation in payments technology, many shoppers still walk away when checkout feels slow or overly complex, costing businesses an estimated $260 billion annually. The answer may lie in the growing influence of developers as companies build embedded payment platforms. In a PaymentsJournal Podcast, Bryan Long, Senior Director of Product Management at North, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discussed how developers are driving...
2026-02-19
17 min
The PaymentsJournal Podcast
The Gift Card Shift: From Convenience to Core Shopping Strategy
The past holiday season didn’t just test consumer wallets—it revealed how dramatically shopping behavior is evolving. As inflation-weary shoppers searched for flexibility, value, and convenience, gift cards emerged as a central tool in how consumers planned, budgeted, and ultimately gifted. From promotion hunting to increased reliance on AI, the behaviors that defined the season are poised to shape retail for years to come. In a recent PaymentsJournal podcast, Sarah Kositzke, Director of Research at Blackhawk Network (BHN) and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research discussed the accuracy of holiday shopping predictions, evolving cons...
2026-02-18
28 min
PaymentsJournal
The Gift Card Shift: From Convenience to Core Shopping Strategy
The past holiday season didn’t just test consumer wallets—it revealed how dramatically shopping behavior is evolving. As inflation-weary shoppers searched for flexibility, value, and convenience, gift cards emerged as a central tool in how consumers planned, budgeted, and ultimately gifted. From promotion hunting to increased reliance on AI, the behaviors that defined the season are poised to shape retail for years to come. In a recent PaymentsJournal podcast, Sarah Kositzke, Director of Research at Blackhawk Network (BHN) and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research discussed the accuracy of holiday shopping predictions, evolving cons...
2026-02-18
28 min
The PaymentsJournal Podcast
From Cross-Border Payments to Community Banks: The Future of Zelle®
In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities. In a PaymentsJournal Podcast, Tina Shirley, Senior Director of Product for Fiserv, and Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed how Zelle has become a prominent part of the U.S. financial landscape and how it’s positioned for even greater growth. A Strong Growth Story The numbers for Zelle tell an impressive story. In th...
2026-02-17
08 min
PaymentsJournal
From Cross-Border Payments to Community Banks: The Future of Zelle®
In just eight years, Zelle has revolutionized the way people send money. And the best is yet to come—peer-to-peer payments are expanding to small businesses and cross-border transactions, opening up a world of new possibilities. In a PaymentsJournal Podcast, Tina Shirley, Senior Director of Product for Fiserv, and Brian Riley, Co-Head of Payments at Javelin Strategy & Research, discussed how Zelle has become a prominent part of the U.S. financial landscape and how it’s positioned for even greater growth. A Strong Growth Story The numbers for Zelle tell an impressive story. In th...
2026-02-17
08 min
PaymentsJournal
Stablecoins and the Future of B2B Payments: Faster, Cheaper, Better
Paying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will settle. By contrast, stablecoin payments are immediate, transparent, and less expensive. Designed to maintain a consistent value and typically backed by U.S. dollar reserves, they combine the reliability enterprises expect from traditional currencies with the speed and transparency of digi...
2026-02-05
28 min
PaymentsJournal
Stablecoins and the Future of B2B Payments: Faster, Cheaper, Better
Paying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will settle. By contrast, stablecoin payments are immediate, transparent, and less expensive. Designed to maintain a consistent value and typically backed by U.S. dollar reserves, they combine the reliability enterprises expect from traditional currencies with the speed and transparency of digi...
2026-02-05
28 min
The PaymentsJournal Podcast
Stablecoins and the Future of B2B Payments: Faster, Cheaper, Better
Paying a supplier is a fundamental function for businesses, yet it’s often encumbered by a complex billing cycle. When the supplier is in a different jurisdiction, this complexity skyrockets, forcing organizations to navigate foreign exchange rates, bank intermediaries, local regulations, and opaque fees—all with limited visibility into where a payment is and when it will settle. By contrast, stablecoin payments are immediate, transparent, and less expensive. Designed to maintain a consistent value and typically backed by U.S. dollar reserves, they combine the reliability enterprises expect from traditional currencies with the speed and transparency of digi...
2026-02-05
28 min
PaymentsJournal
Multi-Acquiring Is the New Standard—Are Merchants Ready?
Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations. For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring is no longer just a European necessity. Many U.S.-based companies have embraced this model to support transactions across e-commerce, in-store, and mobile apps. Tier 1 US merchants are doing business across Europe, with many doing business worldwide, running into the same requirements a...
2026-02-03
24 min
The PaymentsJournal Podcast
Multi-Acquiring Is the New Standard—Are Merchants Ready?
Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations. For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring is no longer just a European necessity. Many U.S.-based companies have embraced this model to support transactions across e-commerce, in-store, and mobile apps. Tier 1 US merchants are doing business across Europe, with many doing business worldwide, running into the same requirements a...
2026-02-03
24 min
PaymentsJournal
Multi-Acquiring Is the New Standard—Are Merchants Ready?
Amid the rapid transformation of the payments industry, merchants have leveraged multiple acquirers to navigate new payment types, regulations, and consumer expectations. For example, operating across regions like the European Union often requires merchants to work with multiple acquirers to navigate the unique regulatory, payment, and consumer nuances of all 27 countries. Increasingly, however, multi-acquiring is no longer just a European necessity. Many U.S.-based companies have embraced this model to support transactions across e-commerce, in-store, and mobile apps. Tier 1 US merchants are doing business across Europe, with many doing business worldwide, running into the same requirements a...
2026-02-03
24 min
PaymentsJournal
What’s Driving the Rapid Growth in ACH Payments
The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%. This growth reflects the continued expansion of ACH use cases across the payments space. In a PaymentsJournal Podcast...
2026-02-02
15 min
The PaymentsJournal Podcast
What’s Driving the Rapid Growth in ACH Payments
The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%. This growth reflects the continued expansion of ACH use cases across the payments space. In a PaymentsJournal Podcast...
2026-02-02
15 min
PaymentsJournal
What’s Driving the Rapid Growth in ACH Payments
The ACH Network is reliable and ubiquitous. And over the past year, it continued to realize strong growth, both in the volume of payments and overall dollar amount. In 2025, ACH Network payment volume increased by roughly 1.6 billion, reaching a total of 35.2 billion, or an average of 141 million payments per day. In the same period, $93 trillion moved across ACH rails, up nearly $7 trillion from the prior year. While transaction volume grew by 4.9%, the total value of those payments increased by 7.9%. This growth reflects the continued expansion of ACH use cases across the payments space. In a PaymentsJournal Podcast...
2026-02-02
15 min
PaymentsJournal
Why the Future of Financial Fraud Prevention Is Passwordless
Fraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny. In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product and Innovation Officer at CompoSecure and Arculus, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, explored the rising fraud challenges facing financial institutions and how some of the latest solutions may be inspired by innovations in retail.
2026-01-29
14 min
The PaymentsJournal Podcast
Why the Future of Financial Fraud Prevention Is Passwordless
Fraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny. In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product and Innovation Officer at CompoSecure and Arculus, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, explored the rising fraud challenges facing financial institutions and how some of the latest solutions may be inspired by innovations in retail.
2026-01-29
14 min
PaymentsJournal
Why the Future of Financial Fraud Prevention Is Passwordless
Fraud is evolving faster than ever, with AI-powered scams, deepfake-enabled identity theft, and a surge in account takeovers putting financial institutions on high alert and accountholders at risk. As the most visible safeguard of the past few decades, the humble password is coming under increasing scrutiny. In a PaymentsJournal podcast, Dr. Adam Lowe, Chief Product and Innovation Officer at CompoSecure and Arculus, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, explored the rising fraud challenges facing financial institutions and how some of the latest solutions may be inspired by innovations in retail. ...
2026-01-29
14 min
PaymentsJournal
When Can Payments Trust AI?
Banks are no strangers to artificial intelligence. For years, machine learning and deep learning models have quietly powered fraud detection, transaction monitoring, and risk analysis. But the industry is now approaching a more consequential shift: agentic AI—systems that don’t just analyze data, but can act on it. With that shift comes a fundamental question about how much authority banks are prepared to give to machines. Trust sits at the center of the debate. Is AI ready to be trusted with decisions that carry financial and regulatory consequences? That question was featured prominently in a recent conv...
2026-01-28
26 min
The PaymentsJournal Podcast
When Can Payments Trust AI?
Banks are no strangers to artificial intelligence. For years, machine learning and deep learning models have quietly powered fraud detection, transaction monitoring, and risk analysis. But the industry is now approaching a more consequential shift: agentic AI—systems that don’t just analyze data, but can act on it. With that shift comes a fundamental question about how much authority banks are prepared to give to machines. Trust sits at the center of the debate. Is AI ready to be trusted with decisions that carry financial and regulatory consequences? That question was featured prominently in a recent conv...
2026-01-28
26 min
PaymentsJournal
Getting Out in Front of Instant Payments—Before It’s Too Late
In today’s world, nearly anything a business or individual desires is available instantly. Yet, for most, receiving a payment still takes two to three days to clear, despite the availability of instant payments networks such as FedNow. What will it take for instant payments to reach a tipping point and become a standard expectation? In a PaymentsJournal Podcast, Justin Jackson, Head of Enterprise Payment Solutions, Digital Payments at Fiserv, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed potential triggers for an inflection point for FedNow and other instant payment methods, and how financial in...
2026-01-21
25 min
PaymentsJournal
Faster Payments Demand Faster Fraud Detection
The rise of artificial intelligence is coinciding with a shift toward instant payments that are increasingly difficult to stop once fraud occurs. Real-time payments put a stopwatch on fraud prevention, leaving businesses with only moments to detect and respond to suspicious activity. Striking the right balance between frictionless customer experiences and strong controls is becoming a critical challenge for businesses. In a recent PaymentsJournal Podcast, Dal Sahota, Global Director of Trusted Payments at LSEG Risk Intelligence, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, discussed the importance of collaboration and highlighted how AI...
2026-01-13
26 min
PaymentsJournal
The Biggest Bottleneck in Commercial Banking? Onboarding
Digital banking has trained consumers to expect speed, simplicity, and instant results. Yet, when those same expectations reach the commercial side of the house, many financial institutions fall short—leaving business clients stuck in slow, manual onboarding journeys that drive up costs and frustration. In a recent PaymentsJournal podcast, Penny Townsend, Co-Founder and Chief Payments Officer at Qualpay, and Hugh Thomas, Lead Commercial and Enterprise Payments Analyst at Javelin Strategy & Research, discussed the common challenges that often hinder commercial banking onboarding and explored how organizations can meet rising customer expectations while still maintaining compliance. Bridging Gaps in...
2025-12-17
28 min
PaymentsJournal
Conversational Payments: The Next Big Shift in Financial Services
As payments have evolved from cash and checks to cards and digital payments, something essential has been lost: the human touch. Yet consumers are not data points—they crave payments experiences that’s fast, secure, and effortless, and when they do need support, they want it to shift seamlessly into something personalized and attentive to their needs. In a recent PaymentsJournal podcast, Robyn Burkinshaw, CEO and Founder at BlytzPay, and Christopher Miller, Lead Emerging Payments Analyst at Javelin Strategy & Research, discussed the current gaps in the payments landscape, what an ideal model for more human transactions could look like, and how organizations c...
2025-12-04
21 min
PaymentsJournal
Inside the Embedded Finance Shift Transforming SMB Software
Running a small business is hard enough—juggling operations, customers, and cash flow. Now imagine software that not only streamlines day-to-day work but also provides the financial tools needed to grow. That’s the promise of embedded finance. In a recent PaymentsJournal podcast, Ian Hillis, SVP of Growth at Worldpay, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, examined the emerging embedded finance landscape, the value it offers merchants and software providers, and what the future holds for small- to medium-sized businesses (SMBs) embracing this new paradigm. Speaking the Language Two forces are...
2025-12-03
20 min
The World Crypto Report
Lone Star Bitcoin Buy, Klarna's Stablecoin, a New Crypto Money-Laundering Playbook & the $11M Mission District Heist | November 26, 2025
Texas officials have begun purchasing Bitcoin ETFs, laying the groundwork for a formal state-level strategic reserve and potential future self-custody (1:05). Buy-now-pay-later powerhouse Klarna enters the crypto arena with a new stablecoin, KlarnaUSD (2:36). A new analysis reveals how criminal organizations are modernizing their financial pipelines, utilizing distinct "chain-hopping" techniques and underground brokers to bypass traditional banking stops (4:19). And San Francisco authorities probe a targeted home invasion reportedly linked to an $11M crypto theft, underscoring the rising intersection of wealth, visibility, and physical security (6:05). More on stories and articles discussed or referenced in this episode: ...
2025-11-26
09 min
PaymentsJournal
The Rise of Smarter Cybercriminals Demands Stronger Fraud Defenses
Creating a synthetic identity used to be the realm of seasoned hackers, but now it can be done with a few simple prompts. Just as artificial intelligence has fueled countless business innovations, it has also been a boon for bad actors—allowing cybercriminals to commit fraud at a fraction of the cost and with greater sophistication. In a recent PaymentsJournal podcast, Danica Kleint, Product Marketing Manager for Fraud Solutions at Plaid, and Jennifer Pitt, Senior Fraud Management Analyst at Javelin Strategy & Research, examined how AI is rendering fraud-fighting methods obsolete, and the tools and techniques organizations can use to defend ag...
2025-11-20
00 min
PaymentsJournal
The Information Age: How Credit Unions Can Maximize the Impact of Their Data
From transforming member experiences to building a culture of information literacy, data has become a catalyst for innovation at credit unions. New use cases are constantly emerging for organizations willing to explore them, and artificial intelligence will only increase their value. In a PaymentsJournal Podcast, Jeremiah Lotz, Senior Vice President of Experience Design and Enterprise Data at Velera, and Christopher Miller, Lead Analyst of Emerging Payments at Javelin Strategy & Research, explored how credit unions are collecting and leveraging data to improve efficiency and better serve their members. Data As an Asset Forward-thinking credit unions view t...
2025-11-13
22 min
PaymentsJournal
How FIs Can Prepare for the Surge in Agentic Commerce-Driven Disputes
The next iteration in the rapid evolution of artificial intelligence has arrived, and organizations are racing to harness the potential of AI agents to create a dynamic new shopping experience. However, as powerful as agentic commerce can be, the road to adoption won’t be without hiccups—many of which will lead to a surge in disputes. In a recent PaymentsJournal podcast, Joseph McLean, CEO and Co-Founder of Quavo, and Christopher Miller, Emerging Payments Analyst at Javelin Strategy & Research, discussed the challenges that can arise in the agentic commerce dispute process, the steps financial institutions can take to p...
2025-11-03
21 min
Upwardly Mobile - API & App Security News
App Store Revolution: Google Play Opens to Third-Party Payments (The Epic Games Aftermath)
Upwardly Mobile: Episode Notes Episode Title: App Store Revolution: Google Play Opens to Third-Party Payments (The Epic Games Aftermath) Summary: In this episode of Upwardly Mobile, we break down the monumental shift in the Android ecosystem following the Supreme Court’s refusal to hear Google's final appeal. Google has finally opened its Google Play app store to third-party payment options for U.S. developers, settling a multi-year legal battle initiated by Epic Games. We discuss what this means for developers seeking to maximize revenue, the new freedom to direct users to cheaper external payment options, and the resulting challenges in ma...
2025-11-03
10 min
PaymentsJournal
Driving Hyper-Personalization in Digital Banking using AI
Across shopping, streaming, and social media, consumers have grown used to receiving personalized recommendations powered by artificial intelligence. While some may feel less comfortable with AI taking on a similar role in their banking experience, a hyper-personalized digital banking platform can deliver far greater value than simply suggesting the next show to binge. In a recent PaymentsJournal podcast, Fiserv’s Whitney Stewart Russell, President of Digital and Financial Solutions, and Sean Calhoun, Vice President and General Manager of Digital Banking, along with Christopher Miller, Emerging Payments Analyst at Javelin Strategy & Research, discussed the evolving digital banking landscape, th...
2025-10-28
12 min
PaymentsJournal
Why Alternative Payment Methods Are No Longer “Alternative”
Different payment methods have gained popularity in different parts of the world. For example, buy now, pay later is widely used in Australia and the Nordics, while account-to-account payments lead the way in the Netherlands and Brazil. As commerce becomes increasingly globalized, merchants everywhere must adapt to these local payment preferences—or risk losing customers. In a PaymentsJournal Podcast, Tulio Gambogi, Head of Alternative Payment Methods at Worldpay, David Sykes, Chief Commercial Officer at Klarna, and Don Apgar, Director of the Merchant Practice at Javelin Strategy & Research, discussed the challenge of keeping pace with the wi...
2025-10-27
21 min
PaymentsJournal
How Dark Web Intelligence Is Key to the Fight Against Infostealers
Cybercriminals have been after personal data for years, but new technology is giving them a dangerous boost. Infostealers—malware that extracts sensitive data like passwords and credit card numbers—are becoming one of today’s biggest online threats because they are easy to use and hard to spot. While conversations about online safety often peak during Cybersecurity Awareness Month, the reality is that vigilance is needed year-round. In a recent PaymentsJournal podcast, Tracy Goldberg, Director of Cybersecurity at Javelin Strategy & Research, discussed the damage infostealers can cause, how consumers can protect themselves, and how dark web threat intell...
2025-10-24
13 min
The World Crypto Report
Trump Pardons CZ, Team $MELANIA Gets Sued, the EU Goes After Russian Gas & Crypto, T. Rowe Price Mulls a New ETF | October 24, 2025
A U.S. presidential pardon grants a second act to Binance's founder and sets off an ethical storm around exchange ties to a Trump-branded venture (1:00). A newly filed class action claims a memecoin promoted by Melania Trump was part of a coordinated "pump-and-dump" engine, with whistleblower receipts and big-name operators in the mix (2:42). In Europe, the EU's latest Russia package trains its sights on digital-asset channels thought to be helping skirt restrictions, while the U.S. targets oil giants to amplify pressure (4:23). Finally, T. Rowe Price leans into active management with a multi-coin ETF that...
2025-10-24
09 min
PaymentsJournal
What’s New at Nacha’s Smarter Faster Payments Conference
As dynamic technologies continue to revolutionize the payments space, conferences have become a critical way for payments professionals to stay informed and share their expertise. One of the signature events of the payments space is Nacha’s Smarter Faster Payments 2026, which will take place in San Diego from April 26-29, 2026. In a recent PaymentsJournal podcast, Stephanie Prebish, AAP, AFPP, APRP, CTP, Senior Managing Director of Association Services at Nacha, and Brian Riley, Director of Credit and Co-Head of Payments at Javelin Strategy & Research, discussed the wide range of educational tracks and networking opportunities available at the conference—and...
2025-10-23
08 min
PaymentsJournal
From Gift to Growth Engine: Exploring the Gift Card Evolution
Gift cards have evolved from being a thoughtful, last-minute birthday gift into a mature industry that’s helping companies build loyalty both inside and outside their organizations. Their use cases are expanding rapidly, offering innovative ways for business to not only reward employees but also strengthen their bottom line. In a PaymentsJournal Podcast, Samara Swenson, U.S. Senior Marketing Manager at Prezzee, and Jordan Hirschfield, Director of Prepaid at Javelin Strategy & Research, discussed how businesses can tap into this dynamic new landscape for prepaid cards. A Strong and Growing Market According to Javelin, the prepaid ma...
2025-10-22
17 min
PaymentsJournal
Making Cross-Border Payments Work at Smaller FIs—as Originating Institutions or Correspondent Banks
For decades, typically large regional or money center banks served as correspondent banks that enabled smaller banks to offer cross-border payments. It was rare for credit unions, community banks, and other smaller financial institutions to offer cross-border payments. And if they did, it was a money-losing proposition, offered out of necessity to prevent their customers from leaving for larger banks. It’s notable that the problem for originating institutions has become much worse. Over the past decade, the number of correspondent banks supporting originating institutions for cross-border payments has fallen by more than 25%, even as international bank tr...
2025-10-15
30 min
PaymentsJournal
Banking, Reimagined: The Role of ITMs
As more people choose to bank online, the role of the traditional branch has undergone a transformation. Once the go-to place for every financial need, the branch is now primarily a hub for more complex transactions that can’t be completed digitally or at an ATM. At the center of this evolution is the interactive teller machine (ITM), which enables customers to connect with a live teller at any time of day, regardless of their distance from a physical branch. In a PaymentsJournal Podcast, Fiserv’s Chris Geganto, Senior Director of Product Strategy, and Craig Demetres, Vice Pres...
2025-10-14
22 min
PaymentsJournal
The Invisible Checkout: Embedded Payments Transform Small Business
Almost without notice, disappearing payments have shifted from novelty to expectation in small business transactions. A traveler arrives at an airport, books a rideshare, and checks into a hotel—never pulling out a wallet or handing over a card. The transaction happens seamlessly, almost invisibly. The same technology fueling consumer-facing apps is now within reach for small businesses. Research from Worldpay shows that 90% of small businesses consider embedded finance—the integration of financial services, including payments, directly into non-financial offerings—essential to their growth. In a PaymentsJournal podcast, Matt Downs, Group President of Worldpay for Platforms, and Christ...
2025-10-01
22 min
The World Crypto Report
The GDLC ETF Levels Up, an NBA MVP Logs In, the RCMP Set a Record, and FC DOGE Take the Field | September 19, 2025
Banerjee, Neil. "Elon Musk's Favourite Cryptocurrency Completes 'Revolutionary' Takeover of Italian Side as House of Doge CEO Says Venture Goes 'Far Beyond Football' - but Club Have Just Been Deducted 13 Points." Goal, 18 September 2025, https://www.goal.com/en-us/lists/elon-musk-s-favourite-cryptocurrency-completes-revolutionary-takeover-of-italian-side-as-house-of-doge-ceo-says-venture-goes-far-beyond-football-but-club-have-just-been-deducted-points/blt543e145b7ac1dd55. Nawrocki, Tom. "Grayscale Gains Approval for First Crypto Mutual Fund." Payments Journal, 18 September 2025, https://www.paymentsjournal.com/grayscale-gains-approval-for-first-crypto-mutual-fund/. "RCMP Say $56-million Cryptocurrency Seizure Is Biggest in Canadian History." The Canadian Press, 18 September 2025, https://www.thecanadianpressnews.ca/business/rcmp-say-56-million-cryptocurrency-seizure-is-biggest-in-canadian-history/article_457ae977-f3dc-5942-999e-79d2368d485d.html.
2025-09-19
09 min
PaymentsJournal
With Rising Compliance Demands, Reconciliation and Reporting Take Center Stage
Many organizations treat their reconciliation and reporting as mere check-the-box activities, investing only the bare minimum to remain compliant. However, companies that deprioritize these critical back-office functions risk being caught unprepared when faced with a more stringent regulatory environment. In a recent PaymentsJournal podcast, Roger Binks, Chief Commercial Officer at Kani, and James Wester, Co-Head of Payments at Javelin Strategy & Research, explored the current state of the back office, the challenges organizations face, and how businesses can modernize their reconciliation and reporting functions amid regulatory headwinds. A Traceable and Consistent Baseline Research from Kani found...
2025-08-13
22 min
PaymentsJournal
What Texans Credit Union Learned from Upgrading its General Ledger
When credit unions look for ways to improve service for their members, accounting systems may not be the first thing that comes to mind. But when Texans Credit Union upgraded its accounting platform, the benefits cascaded throughout the organization—saving money, streamlining operations, and even boosting morale. In a PaymentsJournal Podcast, Tracy Montez, SVP, Controller at Texans Credit Union, and LaChrisha Dourisseau, Vice President of Solution Consulting at Fiserv, shared a behind-the-scenes look at their migration to a new account platform, Prologue Financials. They were joined by James Wester, Co-Head of Payments at Javelin Strategy & Research, who co...
2025-08-06
17 min
PaymentsJournal
Why More Merchants Are Centralizing Their Payments Infrastructure
As the technology behind payments processing accelerates, it’s also reshaping how merchants need to think about the ways their customers pay. Increasingly, acquirers are discovering that by focusing on areas like reconciliation and streamlining the payments workflow, they can build stronger relationships—not only with their customers, but also with their employees. In a PaymentsJournal podcast, Highnote’s Chief Revenue Officer, TJ Grissom, and James Wester, Co-Head of Payments at Javelin Strategy & Research, to explore how Highnote is helping drive the unification of the payments workflow and the benefits this trend is bringing to retailers and other...
2025-08-05
15 min
PaymentsJournal
Sorting the Scams: The Many Faces of Consumer-Engaged Fraud
A consumer purchases a product and receives exactly what was described. However, they experience buyer’s remorse and want to return it. Unsure if they’ll be refunded, they falsely report the transaction as fraudulent instead. This kind of misuse may seem minor on its own, but it is part of consumer-engaged fraud—a category often mislabeled and misunderstood. In a recent PaymentsJournal podcast, Nicole Reyes, Managing Vice President of Risk Operations at Velera, and Suzanne Sando, Lead Fraud Management Analyst at Javelin Strategy & Research, discussed how to differentiate types of consumer-engaged fraud, the emerging threat...
2025-07-31
23 min
PaymentsJournal
Turning Fraud Disputes Into a Win for Banks
Financial institutions are among the most trusted entities in the world. Consumers believe their banks act in their best interests—especially when it comes to protecting them from fraud. They expect strong, effective solutions that support their everyday financial activities, safeguard their accounts, and secure their identities. But trust isn’t automatic—it must be earned. Nowhere is this more true than in the fraud dispute process. In a PaymentsJournal Podcast, Ryan Sorrels, CRO at Quavo, and Suzanne Sando, Lead Analyst of Fraud Management at Javelin Strategy & Research, discussed how, instead of letting disputes drive customers away, banks...
2025-07-30
18 min
PaymentsJournal
Unlocking Profit: How Data Mining Transforms Card Portfolio Strategies
One of the most important resources for any card portfolio manager is understanding cardholders’ spending patterns. This requires not just full access to data, but also the ability to interpret what the data reveals. Growing business intelligence tools like Card ExpertSM from Fiserv are helping issuers gain deeper insight into their customer base, allowing them to serve cardholders more effectively. In a PaymentsJournal Podcast, Janine Wilson, Director of Data Solutions at Fiserv, discussed innovative ways financial institutions are now leveraging cardholder data. She was joined by Deana Bartel, Vice President of Payment Services at Randolph-Brooks Fe...
2025-07-29
20 min
PaymentsJournal
A 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...
2025-07-22
21 min
PaymentsJournal
Beyond 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...
2025-07-08
20 min
PaymentsJournal
What 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...
2025-07-01
17 min
PaymentsJournal
Don’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...
2025-06-30
15 min
PaymentsJournal
How 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 expense management pr...
2025-06-25
16 min
PaymentsJournal
How 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...
2025-06-24
17 min
PaymentsJournal
Taking 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...
2025-06-16
21 min
The World Crypto Report
Société Générale Bets on Stablecoins. Bullish Files for IPO. Trump Sells Crypto Stake? | June 11, 2025
Société 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.paymentsjournal.com/fran...
2025-06-11
08 min
Simply Crypto
Crypto Regulations Eased and Circle’s New Payment Network Unveiled
In 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...
2025-04-25
08 min
Simply Finance
Visa’s Bold $100M Bid for Apple Card Network
Visa 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...
2025-04-03
03 min
PaymentsJournal
Test XX As Payments Speed Up, Slowing Down Fraud Is More Critical
As 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
2024-12-05
20 min
PaymentsJournal
As Payments Speed Up, Slowing Down Fraud Is More Critical
As 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
2024-12-04
20 min
PaymentsJournal
Prepaid-Powered Test X-C Loyalty Programs Drive Customer Engagement for Merchants
Prepaid 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...
2024-12-04
23 min
PaymentsJournal
Prepaid-Powered Loyalty Programs Drive Customer Engagement for Merchants
Prepaid 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...
2024-12-03
23 min
PaymentsJournal
How FIs Can Get Ready for Nacha’s Upcoming New Rule
As 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...
2024-11-20
22 min
PaymentsJournal
During 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...
2024-11-19
19 min
PaymentsJournal
Taking On the AI-Assisted Fraudsters
Artificial 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...
2024-11-13
25 min
PaymentsJournal
Very Real and Very Here: The Proliferating Use Cases for Instant Payments
Instant 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.
2024-11-12
31 min
PaymentsJournal
Bank of Canada Takes Oversight of Payment Service Providers
In 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...
2024-10-17
15 min
PaymentsJournal
Accountants View AI as an Ally, not a Competitor
Artificial 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.
2024-10-15
21 min
PaymentsJournal
Prepaid Cards Are Essential Components of Rewards and Incentives Programs
When 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...
2024-10-10
19 min
PaymentsJournal
For ISO 20022, the Time Is Now
As 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...
2024-09-23
22 min
The Security Token Show
The 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...
2024-08-07
37 min
The Security Token Show
The 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...
2024-08-05
19 min
BIGcast
Algorithmic Discrimination- and Other Sci-Fi-Sounding Terms Relevant Today
So 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-settlement-unlikely-to-be-approved/ Marketing Dive summarizes Apple Intel...
2024-06-18
37 min
UBCNews - Cryptocurrency
Crypto Community Offers Web3 Training & ETH Rewards For Greek God NFT Holders
The 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...
2024-04-09
02 min
ACI Worldwide Podcast Series
Simplifying Payment Processing? Payment Orchestration Can Help
During 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.
2023-11-03
12 min
COMMERCE NOW
The Time to Revitalize Debit Rails is Now
Summary 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...
2021-11-02
17 min
COMMERCE NOW
Traditional Banks Are Getting a Digital Makeover
Summary 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...
2021-09-24
18 min
ACI Worldwide Podcast Series
Machine Learning is the Newest Leader in Fraud Prevention
Machine 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.
2021-07-23
18 min
ACI Worldwide Podcast Series
Strong Customer Authentication Makes Waves in the EU Payments Industry
SCA 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
2021-06-16
19 min
ChargeForward With Chargebacks911
The 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...
2020-08-19
23 min
Fintech Insider Podcast by 11:FS
365. 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...
2019-10-14
1h 02