PaymentsJournal - Podcast Details

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PaymentsJournal Beyond 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 min

PaymentsJournal What 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 min

PaymentsJournal How 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 min

PaymentsJournal How 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 min

PaymentsJournal Taking 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 min

PaymentsJournal Test 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 min

PaymentsJournal 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

2024-12-0420 min

PaymentsJournal Prepaid-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 min

PaymentsJournal Prepaid-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 min

PaymentsJournal How 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 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...

2024-11-1919 min

PaymentsJournal Taking 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 min

PaymentsJournal Very 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 min

PaymentsJournal Bank 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 min

PaymentsJournal Accountants 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 min

PaymentsJournal Prepaid 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 min

The PaymentsJournal Podcast Test, Test, Test: Setting Up to Succeed With Real-Time Payments With FedNow launching this July, successful implementation of real-time payments systems will require banks to test both the technical and operational side of their operations. In a previous discussion with PaymentsJournal, Form3 touched on the importance of banks having not only the technical aspects in place, but also transaction reporting and operational considerations. Testing early is key to ensuring that both real-time payments (RTP) and FedNow functionalities operate at their peak, delivering on the benefits they set out to bring. During a recent PaymentsJournal podcast, Miriam Sheril, Head of Product, US, at Form3, and Steve Murphy, Director...

2023-04-0420 min

The PaymentsJournal Podcast How Innovation and Collaboration Support Real-Time Payments Faster payments are the future of payments, full stop. The world operates at light-speed these days, and convenience and efficiency always win the day. Real-time payments (RTP) have seen steady growth since the technology was first introduced, and while RTP has seemed poised to explode for several years, it has not yet seen widespread adoption. Is the promise of faster payments finally coming to fruition? To learn more about how collaboration across all industry stakeholders will be key to the success and implementation of real-time payments, PaymentsJournal sat down with Will Graylin, Founder and CEO of OV L...

2022-01-1122 min

The PaymentsJournal Podcast Same Day ACH in 2020: Constant Growth & Continued Improvements With paper check use declining and electronic payment methods on the rise, the ACH Network has grown tremendously in recent years. A recent PaymentsJournal podcast unpacked how this growth continued into 2020, even as the pandemic disrupted regular economic activity. In fact, the pandemic underscored just how reliable and valuable the ACH Network is to commercial and economic activity. Part of the ACH Network’s continued success is tied to Same Day ACH, Nacha’s faster payment offering. First launched in 2016, Same Day ACH offers users the ability to compress the full cycle of an ACH payment into one...

2020-09-1726 min

The PaymentsJournal Podcast Meet the New Payments Technology That “Levels the Playing Field” for Brick and Mortar Merchants. E-commerce retailers are equipped with a range of tools and technologies that enable them to build detailed prospect and buyer behavior profiles for improving engagement. This gives them a significant advantage in terms of re-marketing, nurture campaigns, and promotional strategies over brick and mortar (B&M) merchants, which have historically struggled to personalize the in-store experience. Traditional loyalty programs have shortcomings, and many in-store shoppers can and do remain anonymous, making it seemingly impossible to gain insight into their shopping behaviors. But because of modern Payments Intelligence technology, this no longer has to be the case.

2020-09-0300 min

The PaymentsJournal Podcast A Conversation with Fiserv about Bill Pay The following is a transcript of the podcast episode between Matt Wilcox, SVP of Market Strategy of Innovation at Fiserv, and PaymentsJournal, where we discuss the First Data Fiserv acquisition and what this means for bill pay. PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac, and on today’s episode we’re going to be talking about payment capabilities. To help me with this conversation, I have Matt Wilcox, who is the SVP of Market Strategy and Innovation at Fiserv. During this conversation, we’re also going to be diving into the First...

2020-04-1707 min

The PaymentsJournal Podcast How the Payments Industry Is Changing: A Conversation with BHMI This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Marc Vaughn, Concourse Sales Director at BHMI. PaymentsJournal: Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac, and today’s episode was recorded at the Money 2020 event 2019. Now during this episode, I’m going to be speaking with Marc Vaughn who is the Concourse Sales Director at BHMI. Now, Marc has been in the payments industry for over 40 years. So we’re going to be taking a look at the evolutions and changes that he’s...

2020-02-1913 min

The PaymentsJournal Podcast Understanding Payments in the Gaming Industry: A Conversation with Global Payments This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Christopher Justice, president of Global Payments, to talk about payments in the gaming industry. PaymentsJournal: Christopher, thank you so much for joining me on today’s episode. For our first question here, Global Payments is a large multi-billion dollar brand. Can you tell me more about the gaming division’s role within the industry? Christopher Justice: Oh, absolutely. Thanks, Ryan. Global Payments is a $50 billion company operating in well over 100 countries with o...

2020-02-1322 min

The PaymentsJournal Podcast Sitting down with the CEO of Urjanet, a Utility Data Aggregator This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Sanjoy Malik, chairman and CEO of Urjanet. PaymentsJournal: Sanjoy, thank you so much for joining me on today’s episode. To start, let’s give our audience a little bit of an overview about your company, Urjanet. Sanjoy Malik: Yes, thank you. Urjanet is a utility data aggregator. We are connected to close to 7000 different electricity, gas, water, waste, and telecom utilities, and we provide information and data from these utilities to our...

2020-02-1007 min

The PaymentsJournal Podcast The Pain Points of Credit Card Disputes: A Conversation with Finscend This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Aaron Lazor, co-founder and CEO of Finscend, and Moshe Teren, co-founder and CTO of Finscend. Ryan Mac: Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac and in today’s episode, we’re going to be taking a look at credit card disputes during a conversation that I had with Aaron Lazor who is the co-founder and CEO of Finscend and Moshe Teren, co-founder and CTO of Finscend, during Money 2020. Now there’s certainly...

2020-02-0619 min

The PaymentsJournal Podcast Look Locally, Expand Globally: PPRO’s Advice to U.S. Merchants This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Steve Villegas, the VP of Partner Management and head of the U.S. Office at PPRO. PaymentsJournal: Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac, and on today’s episode we’re going to be talking about cross-border and e-commerce. To help me with this conversation, I have Steve Villegas, the VP of Partner Management and head of the U.S. office at PPRO. During our conversation, we’re going to be taking a l...

2020-01-3116 min

The PaymentsJournal Podcast Unpacking the 2019 Financial Services Fraud and Consumer Trust Report: A Conversation with iovation This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Molly Hetz, Product Marketing Manager at iovation. PaymentsJournal: Molly, thank you so much for joining me on today’s episode. So, iovation recently released a 2019 Financial Services Fraud and Consumer Trust Report. Would you mind giving our audience an overview of the findings from that report? Molly Hetz: Yeah, thanks so much for having me on the show with you today, Ryan. For the 2019 Financial Services Fraud and Consumer Trus...

2020-01-2713 min

The PaymentsJournal Podcast How Featurespace Is Helping Fight Fraud This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Dave Excell, founder of Featurespace. PaymentsJournal: Dave, thank you so much for joining me on today’s episode. To start off, can you give us a little background on Featurespace and how you help prevent fraud for your financial institution clients? Dave Excell: Great. Well, thank you for having me on the show today. I started Featurespace while I was studying at the University of Cambridge over in the UK, and was...

2020-01-2607 min

The PaymentsJournal Podcast Unpacking the Latest Trends in B2B Payments: A Conversation with MineralTree This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Vijay Ramnathan, president of MineralTree, Inc. PaymentsJournal: So, Vijay, thank you so much for joining me on today’s episode. To start things off, can you tell us about the latest trends in B2B payments? Vijay Ramnathan: Right. As you know, B2B payments has been evolving over the last few years, and we see emerging trends rapidly taking shape. The first that I want to highlight is the emergence of c...

2020-01-2510 min

The PaymentsJournal Podcast A Conversation with Marqeta, “The First Modern Card Issuing Platform” This episode was recorded at the Money 20/20 event in 2019. On this episode, PaymentsJournal’s editor-in-chief, Ryan McEndarfer, sat down with Vidya Peters, chief marketing officer at Marqeta. PaymentsJournal: Vidya, thank you so much for joining me on today’s episode. Could you give us a little bit of an overview of Marqeta to set the stage for our audience here? Vidya Peters: Absolutely. It’s a pleasure to be here, so thank you for having me on your podcast series. Marqeta is the first modern card issuing platform. We have improved how ph...

2020-01-1811 min

The PaymentsJournal Podcast BillGO Capitalizing On Current Bill Payment Experience The following is a transcript of the podcast episode between Kelly Seild, CTO and Co-founder at BillGO and Ryan McEndarfer Editor-in-chief at PaymentsJournal.com on capitalizing on the current bill pay experience. PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac. And today’s episode is going to be a conversation that I’ve had with Kelly Seidl who is the co-founder and chief technology officer at BillGO during the Money 2020 event now during this conversation, we take a look at the bank Bill Pay experience, and some of the new features that c...

2019-12-1809 min

The PaymentsJournal Podcast Is the Traditional ISO Model Outdated? This is a transcription of an interview between PaymentsJournal and Nicky Koopman, Senior Vice President of Content & Value Added Services at AEVI, at the Money 20/20 event: PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac, and today’s episode is a conversation that I had with Nicky Koopman, the SVP of Content and Value Added Services at AEVI, at Money20/20. Now during this conversation, we talked about the traditional ISO model being outdated, and how ISOs can become a merchant solution provider, as well as how AV was innovating in this space. So w...

2019-12-0610 min

The PaymentsJournal Podcast The Evolution of Hackers and Payments The following is a transcript of an interview between PaymentsJournal and Tia Ilori, VISA’s Senior Director of Global Fraud and Breach Investigations, at the Money 20/20 event: PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac, and today’s episode was recorded at the Money20/20 event in 2019. Now during this episode, I’m going to be joined with Tia Ilori, who is the Senior Director of Global Fraud and Breach Investigations for VISA around hackers. But more specifically, we’re going to be taking a look at hackers’ motivations, how they’ve evolved through...

2019-12-0504 min

The PaymentsJournal Podcast What Are the Biggest Hurdles for Merchant Acquirers and Their Merchants? The following is a transcript of an interview between PaymentsJournal and Bill Nichols, the Senior Vice President of Sales for America, AEVI, during the Money20/20 event: PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac, and today’s episode is a conversation that I had with Bill Nichols, who is the Senior Vice President of sales for America at AEVI during the Money20/20 event. Now during this episode, we take a look at the various hurdles for merchant acquirers and I also asked bill, what his key takeaways from Money20/20 are. So with...

2019-12-0508 min

The PaymentsJournal Podcast Not All Paydays Are Created Equal: How Same Day ACH and Direct Deposit Move Money Faster Following the Federal Reserve’s announcement that it will create a real-time payment network named FedNow, it became clear that there were misconceptions about how faster payments impact the speed with which people receive their paychecks. Faster payments does not mean payday will come earlier or that paper checks will clear in an instant. This belief was refuted in not one, but two PaymentsJournal articles by Sarah Grotta, director of Debit and Alternative Products Advisory Service at Mercator Advisory Group. But it is important to make the distinction that not all paydays are created equal. Wi...

2019-10-2119 min

The PaymentsJournal Podcast The Ripple Effect of Fraud on Payments Subscribe to our podcast via: The following is a transcript of the podcast episode with Patrick Davie, Vice President of Risk Solutions, Card Services at Fiserv, Aaron McPherson, VP, Research Operations at Mercator Advisory Group and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com. During the episode, they cover topics such as: Why are there more fraud cases this time of year Different types of scams being used by fraudsters How fraud effects card usage and cardholder loyalty How can financial institutions protect themselves this holiday season Common sense advice for protecting your data Ryan McEnd...

2018-12-2023 min

The PaymentsJournal Podcast Why Are Cyber Threats Becoming More Prevalent? Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Certainly glad to have you here and as we talk about cybersecurity, so one of the things I wanted to bring up is that one in three Americans experiences fraud or information theft every year. So, why are cyber threats becoming more prevalent? Paul Love, Chief Information Security Officer CO-OP Financial Services Consumers are using more and more technology and as it becomes more and more part of our lives, hackers have more opportunities to infiltrate right? So the more we use it the more...

2018-12-1312 min

The PaymentsJournal Podcast [PODCAST] An Important Lesson When It Comes To Machine Learning Subscribe to our podcast via: The following is a transcript of the podcast episode Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Luckily I’ve had the opportunity before for you and I to have a couple of conversations about DataSeers, and I was wondering if you could give our audience a brief overview of your organization and its role within the payments industry? Adwait Joshi, CEO, DataSeers As the name suggests, we are data seers, which means we see through data. If you look at the payments industry today, it is...

2018-12-0413 min

The PaymentsJournal Podcast [PODCAST] Artificial Intelligence, Fraud, and the Human Element The following is a transcript of the podcast episode host by Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Yvonne and Nish, Welcome to the podcast. Nish, I’d like to start with you. As we look forward, is 2019 shaping up to be such a transformative year for credit unions and financial institutions services in general? Nish Modi, Vice President, Strategy & Product at CO-OP Financial Services The way consumers engage with credit unions and financial institutions in general is rapidly 20 billion IoT devices globally, including wearables by 2020 changing with the changing demographics, with th...

2018-11-2918 min

The PaymentsJournal Podcast [PODCAST] Consumers Lack Awareness of How Much Personally Identifiable Information is Exposed Subscribe to our podcast via: The following is a transcript of the podcast episode Recently First Data produced a cybersecurity study that took a look at personally identifiable information. Can you give us a brief overview of this study or survey and what was its main focus? EJ Jackson – Head of Security and Fraud Solutions at First Data Happy to. The study explores the attitudes and actions of today’s consumers as how they secure their personal identifiable information, we’ll call it PII. It identifies trends that can give financial instit...

2018-11-1324 min

The PaymentsJournal Podcast What Makes A Successful P2PE Solution? Subscribe to our podcast: The following is a transcript of the episode between Scott Henry, Vice President of Product Management at Elavon and Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Could you give us a brief description of the company and your role for our listeners who might not be as familiar? Scott Henry, Vice President of Product Management at Elavon It would be my pleasure. Elavon is a global payments company. We are a subsidiary of U.S. Bank, which happens to be...

2018-10-1811 min

The PaymentsJournal Podcast PODCAST: The Rise and Success of Zelle The following is a transcript of the Zelle podcast episode Ryan McEndarfer Editor-in-chief at PaymentsJournal.com Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac and on today’s episode we’re going to be talking about Zelle, the digital payments network owned by Early Warning. Joining me is Vice President and Head of Sales and Customer Success at Early Warning, Ian Macallister. Ian, welcome to the podcast. Ian Macallister Vice President, Head of Sales and Customer Success at Early Warning Thanks. I appreciate it. Ryan McEndarfer Editor...

2018-09-1115 min

The PaymentsJournal Podcast PODCAST: How Prepaid Has Evolved For Commercial Application The following is a transcript of the podcast episode Ryan McEndarfer Editor-in-chief at PaymentsJournal.com Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac and on today’s episode we’re going to be talking about prepaid cards for commercial businesses with Jeff Johnson the Senior Vice President and General Manager, Commercial Prepaid, at NetSpend. Jeff, Welcome to the podcast. Jeff Johnson Senior Vice President and General Manager, Commercial Prepaid at NetSpend Thanks, Ryan. Thanks for having me on. Ryan McEndarfer Editor-in-chief at PaymentsJournal.com As pre...

2018-09-0409 min

The PaymentsJournal Podcast PODCAST: Capital One – Pros and Cons of Cash and Cards The following is a transcript of the podcast episode Ryan McEndarfer Editor-in-cheif of PaymentsJournal.com Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac and on today’s episode, we are going to talking about the evolution of payments with Donny Hoye, Vice President, Treasury Management Consultant at Capital One. Donny, welcome to the podcast. Donny Hoye, Vice President, Treasury Management Consultant at Capital One Thank you. Excited to be here. Ryan McEndarfer Editor-in-cheif of PaymentsJournal.com Now Donny, let’s get started. Can you give u...

2018-08-2812 min

The PaymentsJournal Podcast PODCAST: The Importance of Financial Literacy The following is a transcript of the podcast episode Ryan McEndarfer Editor-in-chief at PaymentsJournal.com I’m your host Ryan Mac. In today’s episode we’re going to be talking about financial literacy with Bill Handel, Vice President of Research and Chief Economist at Raddon. Bill, welcome to the podcast. Bill Handel, Vice President of Research and Chief Economist at Raddon Thank you, Ryan, Ryan McEndarfer Editor-in-chief at PaymentsJournal.com Now to get things started: I know that your organization recently put out a study on financ...

2018-08-2117 min

The PaymentsJournal Podcast PODCAST: Payment Processing with Clay Wilkes, CEO of Galileo Processing The following is a transcript of the podcast episode Ryan McEndarfer Editor-in-chief at PaymentsJournal.com Welcome to the payment journal podcast. I’m your host Ryan Mac and on today’s episode. We’re going to be talking about payment processing and to help me with that conversation, I have the CEO and Founder of Galileo Processing Clay Wilkes. Clay, Welcome to the podcast. Clay Wilkes CEO and Founder of Galileo Processing Thank you. Nice to be here. Ryan McEndarfer Editor-in-chief at PaymentsJournal.com To get things starte...

2018-08-1416 min

The PaymentsJournal Podcast PODCAST: Cross-border Payments for the Gig Worker The following is a transcript of the podcast episode Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac. On today’s episode, we’re going to be talking with Peter Shore, General Manager of Transpay, about the Digital Women Survey conducted by Transpay. Peter, welcome to the podcast. Peter Shore, General Manager of Transpay Thank you, Ryan. Happy to be here. Ryan McEndarfer, Editor-in-chief at PaymentsJournal.com Why don’t you give us an introduction to Transpay and its role withi...

2018-08-0712 min

The PaymentsJournal Podcast PODCAST: Outsourcing The following is a transcript of the PaymentsJournal podcast episode Ryan McEndarfer Editor-in-chief at PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host, Ryan Mac. On today’s episode we’re going to be talking about outsourcing, and to help me with that conversation I have Russell Bennett, the Chief Technology Officer from Fraedom. Russell, welcome to the podcast. Russell Bennett, CTO of Fraedom Thanks Ryan. Glad to be here. Ryan McEndarfer Editor-in-chief at PaymentsJournal Excellent. Now, when we’re talking about outsourcing, are there any trends t...

2018-07-3112 min

The PaymentsJournal Podcast PODCAST: Turning Card Program Managers into Processors Through the Cloud Get in touch to discover more about how TAS Group’s card management solutions can help your business. The following is a transcript of the podcast episode with TAS Group PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac. On today’s episode we’re going to be talking about turning card program managers into processors through the cloud, and to help me with that conversation I have Peter Caiazzi, Managing Director of TAS Group USA. I also have Ennio Ponzetto, SVP of Business Development at TAS Group USA. So Peter, I...

2018-07-2412 min

The PaymentsJournal Podcast PODCAST: How well do you really understand fraud? PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac. In today’s episode we’re going to be talking about fraud with Intellicheck’s CEO, Bryan Lewis. Bryan, welcome to the podcast. Bryan Lewis, CEO of Intellicheck Thank you very much, Ryan. I’m glad you having me on. PaymentsJournal Now, when we’re talking about fraud, can you talk to me about the scope and the life cycle of fraud? Bryan Lewis, CEO of Intellicheck Sure. According to research done by Jave...

2018-07-1010 min

The PaymentsJournal Podcast PODCAST: We Need to Speak the Same Language The following is a transcript of the podcast episode. PaymentsJournal: Welcome to the Payments Journal podcast. I’m your host Ryan Mac. On today’s episode, we are going to be talking about global payments acceptance standards, and to help me with that discussion I have Claude Brun, the Chairman of Nexo Standards.Claude, welcome to the show. Claude: Thanks to you. PaymentsJournal: Let’s give our audience a little bit of an introduction. Can you first tell us a little bit about yourself and then talk about...

2018-07-0317 min

The PaymentsJournal Podcast PODCAST: Protecting Account-Based Payments in the Real World The following is a transcript of the episode Ryan McEndarfer, Editor of PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac. On today’s episode we’re going to be talking about protecting account-based payments in the real world, and to help me with this conversation I have Dave Worthington, the VP of Payments at Rambus. David, welcome to the podcast. Dave Worthington, VP Payments at Rambus Ryan, pleasure to be here. Ryan McEndarfer, Editor of PaymentsJournal Excellent. Now to get things started, why don’t...

2018-06-2618 min

The PaymentsJournal Podcast PODCAST: Consumer Lending With MetaBank’s Brent Turner PaymentsJournal Welcome to the PaymentsJournal podcast. I’m your host Ryan Mac. In today’s episode we’re going to be talking about consumer lending. To help me with that conversation I have Brent Turner MetaBank’s Executive Vice President and Head of Consumer Lending. Brent, welcome to the podcast! Brent Turner MetaBank’s Executive Vice President and Head of Consumer Lending Thank you. PaymentsJournal Many of us in the industry have historically known MetaBank [Meta] as a prepaid company, but I know it’s grown to be a bit much more...

2018-06-2106 min

The PaymentsJournal Podcast Data Capture Devices The following is a transcript of the audio recording PaymentsJournal Data data everywhere and not a drop to spare. Hello, everyone. On this episode, we will be talking with Kevin Brown, VP of Marketing and Product at Wirecard North America, about how the industry needs to start thinking of payment-enabled devices not only as payment-capture devices but as data-capture devices. In our conversation we will be taking a look at some of the various ways that Wirecard uses this data to enrich its clients’ end customers’ experiences. Without further delay, let’s start the show. ...

2018-06-1214 min

The PaymentsJournal Podcast Payment Trends in India The following is a transcript of the recording. PaymentsJournal Welcome to the Payments Journal podcast. I’m your host Ryan Mac. On today’s episode, we’re going to be taking a look at payment trends in India, and to help me with this conversation I have Steve Powell, ACI Marketing SVP. Steve, welcome to the podcast. Steve Powell, ACI’s Marketing SVP Hello Ryan. Thanks. It’s good to be here with you. PaymentsJournal All right, now. ACI worldwide recently published Transactions 2025, a report that’s covering paym...

2018-06-0512 min

The PaymentsJournal Podcast Payments in the Healthcare Business On this episode, we talk with Jana Franks, Senior Vice President and General Manager of Elavon’s Healthcare business. In this episode we discuss the following topics: What are some of the opportunities and trends within healthcare payments? How are payments shaping and enhancing the patient experience? Elavon recently announced a partnership with RevSpring to help give providers better and more efficient paths to the overall patient experience. Can you tell me about the payment technology that this partnership brings to the healthcare industry? Why is it so important that the payments industry finds ways to support markets su...

2018-05-2907 min

The PaymentsJournal Podcast Intelligent Friction On this episode, we talk with Sherif Samy, SVP North America for Entersekt about intelligent friction. In this episode we discuss the following topics: Authentication is a balancing act – in the past consumers have wanted this to happen in the background – what are the dangers of this? Can getting consumers more involved in authentication and identity management reduce the risk of fraud? Are consumers are becoming more willing to play an active role in managing their digital security? What are the advantages of consumers being active in their fraud management? How much friction is too much for consumers? What...

2018-05-2215 min

The PaymentsJournal Podcast Alipay in the USA On this episode, we talk with Souheil Badran, President, Alipay -Americas about Alipay and mobile payments in the USA. In this episode we discuss the following topics: How is Alipay expanding its reach in North America? Provide some background on Alipay’s expansion here – which cities, merchants and partners have been a significant focus in North America? How is Alipay helping Chinese tourists as they travel overseas, from pre-trip to post-trip? What should North American retailers do to try to capture the influx of Chinese tourists? Why is this the right time for Alipay to build its presence here...

2018-05-1510 min

The PaymentsJournal Podcast Don’t Let Your Data Lake Turn Into The Dead Sea On this episode, we talk with Rob Hiser, CEO at Segmint about data, and how organizations can leverage their information to be truly data-driven. In this episode we discuss the following topics: Gathering data was just the first step Why organizations struggle with being data-driven given the amount of data they have access to How organizations can get the most out of their data investment What are ways that organizations can leverage the data they have If you are interested in learning more about the Segmint you can do so here If you are interested in...

2018-05-0816 min

The PaymentsJournal Podcast How AI and Machine Learning are Powering Fraud Prevention Across Payment Channels On this episode, we talk with Rich Stuppy, COO at Kount about AI, Machine Learning, and how they are powering fraud prevention. In this episode we discuss the following topics: The disadvantage that companies have currently against fighting fraud What is the difference between supervised and unsupervised machine learning models Why is fraud a good problem for machine learning to solve Why is it important for companies to have a layered approach to fraud prevention If you are interested in learning more about the Kount you can do so here If you are interested in being...

2018-05-0114 min

The PaymentsJournal Podcast Is Data The Modern Day Six Shooter For Fraud? On this episode, we talk with Lou Grilli, Director Payments Strategy at Trellance about the recent CULytics event. In this episode we discuss the following topics: An overview of what topics are discussed during the event What some the themes that emerged were What were some of the use cases for data analytics Surprising observations from the event If you are interested in learning more about Trellance you can do so here If you are interested in learning more about the CULytics event you can do so here If you are interested in being...

2018-04-2417 min

The PaymentsJournal Podcast Onmichannel Retail Movement On this episode we talk with Ryan Stewart Chief Commercial Officer North America from Bambora about the omnichannel retail movement in this episode we discuss the following topics: What is omnichannel retail? Why is there a shift towards omnichannel retail? Why should retailers jump on the wagon? What is the role of payments in this shift? How will omnichannel payments help retailers adopt an omnichannel approach? What are the challenges to synchronizing a consistent payments experience across all channels? What is the enabler of omnichannel payment processing that’s making it a reality? What is the current state of...

2018-04-1915 min

The PaymentsJournal Podcast An Arms Race at MRC On this episode, we talk with Raymond Pucci, Associate Director, Research Services at Mercator Advisory Group about the MRC event and take a deeper dive into some of the subcategories of payment related fraud. In this episode we discuss the following topics: What is the MRC event and when/where did you attend? What types of companies and attendees go to the MRC? What were some significant topics and themes that you saw at the event? Where do you see these types of topics heading? If you are interested in being on an episode of the PaymentsJournal...

2018-04-1812 min

The PaymentsJournal Podcast Exploring Contextual Banking with iGTB’s Herber’s De Ruijter In this episode of the PaymentsJournal podcast, we sit down with Herber’s De Ruijter, Head of Digital at iGTB, to dive into the evolving world of contextual banking. Together, we explore what contextual banking is, how it works, and the problems it solves for both banks and corporates. We also discuss its applications in cash management and payments, opportunities in the U.S. market, and iGTB’s vision for the future. What is Contextual Banking? How does it work? What problems does Contextual Banking solve? For banks? For corporates? How does Contextual Banking work in the context of C...

2018-04-1721 min

The PaymentsJournal Podcast Chargebacks On this episode we talk with Rafael Laurenco Executive Vice President of ClearSale about Chargebacks. During our conversation we cover topics such as: Define what a “chargeback” is, why merchants need to know this term and why they should worry about them? Discuss the current fraud prevention options available and the pros & cons of each Using a machine-learning and manual review combination for chargebacks Discuss why it’s important for merchants to find the right kind of fraud prevention solution that works for them Tips that merchants and/or consumers can take action on now to help protect themse...

2018-04-1212 min

The PaymentsJournal Podcast Time to Review the EMV Migration On this episode we talk with Stephanie Ericksen, VP of Global Risk Products at Visa about the EMV migration and credit card fraud. During our conversation we cover the following topics: In-store credit card fraud has dropped by more than 70% in less than two years. What are the reasons for the dramatic drop? What has been some of the biggest learning for your team through the EMV migration over the last few years? What are the some of the biggest trends in payment security today? What is the future of payment security? What are you most excited to...

2018-04-1013 min

The PaymentsJournal Podcast Crowdsourcing Your Fraud Solution On this episode we talk with the VP of Marketing and Strategy from Ondot, Gary Singh about crowdsourcing your fraud solution. During our conversation we cover the following topics: Changing the way customers interact with their FI’s. Utilizing their mobile banking app for more than balance checks. Becoming the first line of defense for fraud. Quick response allowing the customer to stop fraudsters in their tracks. Customers’ ability to customize how their cards are being used. If you are interested in learning more about Ondot you can do so here If you are interested in be...

2018-04-0524 min

The PaymentsJournal Podcast Shoptalk 2018 On this episode we talk with Mercator Advisory Group’s Associate Director of Research Services, Raymond Pucci about his experience at Shoptalk 2018. During our conversation we cover the following topics: Key topics and themes discussed at the event What are multi-modal payments What are the significant things mentioned at Shoptalk to note for the rest of the year If you are interested in being on an episode of the PaymentsJournal podcast please reach out to us here The post Shoptalk 2018 appeared first on PaymentsJournal.

2018-04-0312 min

The PaymentsJournal Podcast CFPB Prepaid Debit Regulations On this episode we talk with Mercator Advisory Group’s Director of Prepaid Advisory Service, Sue Brown about the Consumer Financial Protection Bureau (CFPB) final regulations on prepaid debit. During our conversation we cover the following topics: What is the definition of prepaid debit? What is excluded from the prepaid debit definition? What has changed as it relates to Error Resolution and Limited Liability for prepaid debit New changes as it relates to disclosures What was decided on the controversial credit provisions for prepaid debit Can you speak about the changes in the submission of Prepaid Agreements to th...

2018-03-2709 min

The PaymentsJournal Podcast The Customer Journey with Gift Cards On this episode we talk with Gerry Gilbert the Vice President Product, Merchant Commerce Solutions at Blackhawk Network . During our in-depth conversation we discuss the following topics : Customer experience across gifting ecommerce & ecommerce as a whole The omnichannel and mobile customer experience Expanded gift card payment options Cashless QSR and Amazon Go Payment trends such as Contextual Commerce If you are interested in learning more about Cashstar you can visit their site here If you are interested in being on an episode of the PaymentsJournal podcast please reach out to us here The po...

2018-03-2218 min

The PaymentsJournal Podcast Paytm Comes to Canada On this episode we sit down with the CEO of Paytm Canada Harinder Takhar to discuss Paytm in Canada. We also take an in-depth look at the following topics : What gaps Paytm plans to fill in the Canadian market Why Paytm decided to launch in Canada Why billers across Canada are partnering with Paytm What the feature of mobile wallets look like Does Paytm have any plans to launch in the U.S. If you are interested in learning more about Paytm you can visit their site here If you are interested in being on an...

2018-03-2010 min

The PaymentsJournal Podcast Unlocking Growth: Factoring in Latin America with Portal Finance In this episode of the PaymentsJournal podcast, we sit down with the team at Portal Finance to break down the fundamentals of factoring—what it is, why it matters, and how it’s reshaping access to capital across Latin America. We explore the specific challenges and opportunities in the region, why it’s become a hotspot for factoring innovation, and how Portal Finance is working to modernize and streamline the process. We also compare how the factoring industry functions in the U.S., giving you a clearer picture of where the global market stands. Whether you’re new to the conc...

2018-03-1311 min

The PaymentsJournal Podcast Ok Mastercard Tell Me About Natural Language Processing Natural language processing is becoming an ever increasing subject matter that payment professionals need to pay attention to. In this episode we talk with Kiki Del Valle the Senior Vice President for Commerce for Every Device at Mastercard and Tim Sloan the VP of Payments Innovation at Mercator Advisory Group about the following topics: Define what conversational commerce is and how NLP fits into it How aware are people of NLP and how frequently it is used Consumer opinions of improvements to be made to NLP and payments What are the top devices most likely to be used...

2018-03-0624 min

The PaymentsJournal Podcast Banking APIs In 2018 you can’t bring up open banking without talking about APIs. APIs are not a new technology but with open banking coming to light they will be flung back into center stage. In this episode we will be talking with Laurence Cooke the CEO of nanopay to get his thoughts on the following topics: Why are APIs important for open banking and what are some current use cases How APIs will impact financial partnerships What are the challenges organizations will face as opening backing spread internationally How regulations like PSD2 will impact the payments industry How APIs wil...

2018-03-0115 min

The PaymentsJournal Podcast Mercator Advisory Group’s Emerging Technologies Outlook for 2018 With technology moving at breakneck speed to change the payments industry keeping up with all the changes will be challenging for even the most astute of payment professionals. Luckily I sat down with Tim Sloane the VP of Payments Innovation at Mercator Advisory Group to discuss the main technology subjects payments professionals should pay attention to in 2018. In this episode we discuss the following topics: AI and machine learning as major drivers API and cloud computing use cases Tokenization and digital payments Changing authentication landscape Looking at blockchain If you are interested in downloading the complimentary outlook...

2018-02-2607 min

The PaymentsJournal Podcast Mercator Advisory Group’s 2018 Commercial and Enterprise Payments Outlook Commercial and Enterprise payment professionals will have their hands full in 2018. With new technologies and a new payments rail there will a lot of thing they will need to consider. in this episode I talk with Steve Murphy the Director of the Commercial and Enterprise Payments practice to discuss the following topics: The main focus for commercial payments in 2018 How payments efficiency will continue to be a key stone of opperations Trends forming with Fintech collaboration Should you adopt real-time payments How does fraud risk management take a role in all of this If you are interested...

2018-02-2324 min

The PaymentsJournal Podcast Mercator Advisory Group’s Credit Outlook for 2018 2018 has just started and there has already been some interesting things happening in the credit card industry and for companies to stay profitable this year there will be many things they need to consider. In this episode we will cover topics such as: What are the factors that will effect credit cards in 2018 Where are the risks in the US market What does Goldman Sachs play into the credit cards mean for the industry What regulations in Europe could mean for the US Brian Riley’s predictions for the 2018 credit card market If you are interested in do...

2018-02-2217 min

The PaymentsJournal Podcast Mercator Advisory Group’s Debit Outlook for 2018 This year in particular will be very interesting for the debit card market. While the debit card market starts to mature new technologies and a new payment rail are sure to keep industry professional on their toes. In this episode we will cover topics such as: This to consider as the debit card market matures What are push payments and why you should be paying attention to them P2P payments Faster Payments If you are interested in downloading the complimentary outlook document mentioned in this episode here If you are interested in being on...

2018-02-2112 min

The PaymentsJournal Podcast Mercator Advisory Group 2018 Payment Industry Outlook 2018 is going to be a very interesting year for payments between new innovations to new regulations or changing regulations there are going to be a lot industry professionals will need to focus on. But I am here today with Aaron McPherson to get his take on what are the key topics that payment professionals should focus on for 2018. In this episode we will cover topics such as: Mobile devices Open APIs Machine Leanring Faster Payments If you are interested in downloading the complimentary outlook documents mentioned in this episode here If you are interested in...

2018-02-2014 min

The PaymentsJournal Podcast Overview of the Worldpay Vantiv Merger On this episode of the PaymentsJournal Podcast we talk with Royal Cole, Executive Vice President and Head of the North American Region to discuss the recent Vantiv Worldpay merger. In our conversation we cover topics such as: Why the merger was the right move to make now What the merger means for the company What the merger means for the industry Why payment processors should look at Worldpay What looks to be the most exciting trends developing in 2018 If you are interested in learning more about Worldpay you can visit their website here If you...

2018-02-1508 min

The PaymentsJournal Podcast Digital Disruption from a Corporate Perspective On this episode of the PaymentsJournal Podcast we talk with Rick Burke Head of Corporate Products and Service at TD Bank to get his view on digital disruption from a corporate perspective. In our conversation we cover topics such as: What is his outlook on the payments industry for 2018 What are the explications for faster and real-time payments How is the industry preparing for the technological disruption Is there more cooperation between banks and fintechs What the implications should the industry not adapt to these new changes If you are interested in learning more about TD Bank...

2018-02-1318 min

The PaymentsJournal Podcast The Dynamic Landscape of Contactless Payments On this episode of the PaymentsJournal Podcast we talk with Paul Butterworth, Marketing Director at Trustonic the dynamic landscape of contactless payments. In our conversation we cover topics such as: An overview of the contactless payment landscape The risks associated with payment enabled connected devices What a Trust Execution environment or TEE is What are some current use cases for contactless payments What are some future use cases for contactless payments If you are interested in learning more about Trustonic you can visit their website here If you are interested in being on the podcast...

2018-02-0815 min

The PaymentsJournal Podcast Understanding Your Customer’s Debt On this episode of the PaymentsJournal Podcast we talk with Alex Johnson, Marketing Director at FICO about understanding your customer’s debt. In our conversation we cover topics such as: Insights from FICO’s recent 2017 Consumer Banking survey Solutions in the market place for assisting customers with debt Can a company be too flexible for consumers Do credit companies have a lack of transparency issue or do consumers have a lack of education issue How will AI have an impact on consumer debt If you are interested in learning more about the report mentioned in this episode you...

2018-02-0614 min

The PaymentsJournal Podcast BAI Banking Outlook On this episode of the PaymentsJournal Podcast we talk with Karl Dahlgren, Managing Director at BAI about their recently published BAI Banking Outlook. In our conversation we cover topics such as: Who participated in the survey Top takeaways from the outlook How Millennial’s behavior is changing the industry What opportunities present themselves with P2P Identifying the biggest gaps between consumer and financial service leaders survey responses Why is there such a big disconnect between customers willing to open an account online and customers actually opening an account online The announcement of the BAI Banking Outlook ca...

2018-02-0113 min

The PaymentsJournal Podcast The Innovation Of Fraud On this episode of the PaymentsJournal Podcast we talk with Monica Eaton-Cardone the COO of Chargebacks911 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 How eCommerce fraud cost and fraud multipliers compare against the retail industry as a whole 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 kind of...

2018-01-3023 min

The PaymentsJournal Podcast Q&A With Mike Camerling From AEVI On this episode of the PaymentsJournal Podcast we have a Q&A session with Mike Camerling, the Managing Director at AEVI. In our conversation we cover topics such as: An overview of the company looking back on the last 2 years The partnership with NetPay in Mexico What exciting things AEVI is seeing in the marketplace today What Fintech trends Mike sees that will be affecting the AEVI business A deeper look into open banking Mike’s thoughts on what he expects to see in retail payments in 2018 If you are interested in learning more about AEVI you ca...

2018-01-2309 min

The PaymentsJournal Podcast Biometric Smart Cards On this episode of the PaymentsJournal Podcast we talk with Michel Roig, Head of Sales & Customer Support in the Smartcard Business Line at Fingerprints about biometrics for smart cards. In our conversation we cover topics such as: The market for biometric smart cards Why fingerprint sensors on smart cards is a good idea What is the opportunity for banks and retailers What can we expect to see if the up coming months and years with biometric smart cards If you are interested in learning more about Fingerprints you can visit their website here If you...

2018-01-1807 min

The PaymentsJournal Podcast State of Mobile Payments On this episode of the PaymentsJournal Podcast we take a look at the state of mobile payments with Tim Sloane and Sarah Grotta from Mercator Advisory Group. In our conversation we cover topics such as: Tim and Sarah’s current perspective on the state of mobile payments The use of merchant provided apps Banks response to mobile payments Bank apps Wallets Cardless Cash Access An overview of the unique mobile application from PNC bank If you would like to discover more of the research conducted by Tim or Sarah you can do so with the following links:...

2018-01-0924 min

The PaymentsJournal Podcast Retail Banking On this episode of the PaymentsJournal Podcast we take a look at retail banking with Christian Ball who is the Head of Retail Banking at GFT. In our conversation we cover topics such as: What are the major trends in retail banking What are some of the challenges facing the banking industry Key insights from their recently published report “Digital Banking Expert Survey 2017“ Christian’s predictions for the industry in 2018 You can learn more about GFT here If you are interested in being on the podcast please reach out to us at info@mercatoradvisorygroup.com

2018-01-0314 min

The PaymentsJournal Podcast Mobile Order and Mobile Pay On this episode of the PaymentsJournal Podcast we talk with Raymond Pucci, Associate Director, Research Service at Mercator Advisory Group to discuss the topic of mobile order and mobile pay. During our conversation we cover topics such as: An overview of Verifone Retail Payments Conference Key take-aways from the conference Current state of mobile ordering and mobile paying Who are some of the key players in the mobile order mobile pay industry An overview of current research provided by Mercator Advisory Group on mobile ordering and mobile pay If you are interested in learning more about Raymond...

2017-12-2718 min

The PaymentsJournal Podcast FirstData’s Take on Gift Cards On this episode of the PaymentsJournal Podcast we talk with Dom Morea, Senior VP and head of Gift Solutions at First Data. During our conversation we cover topics such as: Key insights in their recently published whitepaper titled “2017 U.S. Consumer Insights Study-Key Trends“. Is there a shift towards e-gift cards? The reason behind the upward trend of consumers purchasing gift cards for themselves. A large percentage of millennial self purchasers still buy physical gift cards. Will that trend remain the same? Why should merchants consider offering gift cards? If you are interested in learning more about Firs...

2017-12-2214 min

The PaymentsJournal Podcast Relationship Between Brands and Gift Cards In this episode of the PaymentsJournal Podcast we talk with Teri Llach, CMO Blackhawk Network about the relationship between brands and gift cards. In our conversation we cover topics such as: An overview of new research from Blackhawk Network about consumer loyalty Current trends in the gift card market How businesses can embrace the power of gift cards How Blackhawk Network has helped it’s partners prepare for the 2017 holiday season What we can expect to see from Blackhawk Network in 2018 If you are interested to learn more about Blackhawk Network you can visit their site here...

2017-12-2110 min

The PaymentsJournal Podcast Closed-loop Gift Cards In this episode of the PaymentsJournal Podcast we talk with Colleen Dorwart, Chair of the Retail Gift Card Association and Erin Wood, Vice Chair of the Retail Gift Card Association to discuss closed-loop gift cards. During the episode we cover items such as: What advancements have been made in the closed-loop gift card market? What changes you can expect to see in 2018 for closed-loop gift cards. An overview of the RGCA Inaugural Forum and key take-aways from the event. What we can expect to see from the RGCA in 2018 If you are interested in learning more about...

2017-12-2012 min

The PaymentsJournal Podcast Reward Based Incentives In this episode of the PaymentsJournal Podcast we sit down with Theresa McEndree, VP of Marketing at Hawk Incentives and Yale Vinson, Product Manager at Blackhawk Network to discuss reward based incentives. In the episode we cover questions such as: How consumers look for deals and how it will impact holiday shopping What are the mobile must-have’s for gift cards What impact will gift cards have on mobile wallets What we can expect to see from Hack Incentives in 2018 If you would like to learn more about Hawk Incentives or download a copy of the report men...

2017-12-1912 min

The PaymentsJournal Podcast Customer Data and Security On this episode of the PaymentsJournal podcast we talk with Robbert Capps from NuData Security about: What is means when a consumers data has been compromised What hackers do with that information once they have obtained it Fraud and the holiday season The impact of fraud on retail sales What can e-commerce organization do to help protect consumers How biometrics is being used to help authenticate users If you are interested in learning more about NuData Security you can view their website here If you are interested in being on the podcast you can reach...

2017-12-1210 min

The PaymentsJournal Podcast Bonus Episode – Financial Inclusion and Financial Transparency On this bonus episode of the PaymentsJournal Podcast we talk with Thomas Brown, Senior Vice President, U.S. Commercial Markets and Global Market Development from LexisNexis Risk Solutions about financial inclusion and financial transparency. During our conversation we cover topics such as: How financial inclusion and financial transparency is defined The relationship between financial inclusion and financial transparency The role the payments industry plays in achieving financial inclusion and financial transparency A global and domestic perspective on the current state of financial inclusion and financial transparency The role data, advanced analytics, and technology plays in solving financial inclusion ...

2017-12-0717 min

The PaymentsJournal Podcast Credit Card RewardsIn this episode of the PaymentsJournal Podcast we talk with Ravi Acharya, Head of Consumer Lending and Innovation at Santander US about credit card rewards. In the episode we cover topics such as: Popular credit card rewards this holiday season The appeal of cash back rewards What to look for in a travel reward credit card Convince trends and implementations for credit cards Protecting yourself from fraud this holiday season If you are interested in learning more about Santander credit cards you can visit their site here If you are interested i...

2017-12-0513 min

The PaymentsJournal Podcast Canadian Prepaid Industry PaymentsJournal talks with Dave Esson from the Canadian Prepaid Organization to talk about: The Canadian prepaid industry compared to the United States The opportunity of prepaid in Canada Innovation within the prepaid industry What Canada needs to do in order to make the payments landscape better for innovation and consumer choice Looking ahead for the CPPO If you would like to learn more about the Canadian Prepaid Organization you can visit there website here If you would like to be on an episode of the PaymentsJournal podcast please reach out to us at info@mercatoradvisorygroup...

2017-11-2808 min

The PaymentsJournal Podcast Chatbots In this episode of the PaymentsJournal Podcast we sit down with James Ramey from DeviceBits to discuss chatbots. In our conversation we cover: How a machine learns over time How downloadable self materials help a machine learn How bots and people can help each other What information should be used to help train a machine for chatbot purposes You can learn more about DeviceBits here If you are interested in being on an episode of The PaymentsJournal Podcast please reach out to us at info@mercatoradvisorygroup.com The post Cha...

2017-11-2108 min

The PaymentsJournal Podcast The Evolution of Debit Cards PaymentsJournal sits down with Sarah Grotta, Director, Debit Advisory Service at Mercator Advisory Group to discuss the evolution of debit cards and the potential growth of decoupled debit, request for payment and we take a look at her recently published report ” Doing Well By Doing Good : Delivering Models and Channels Serving The Financially Undeserved“ If you are interested in any of the reports mentioned in this episode you can find the links here : The Evolution of Debit Cards Doing Well by Doing Good: Delivery Models and Channels Serving the Financially Underserved ...

2017-11-1511 min